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Pension Plan of Management Personnel

The PPMP Condensed

Legislative and regulatory amendments have been made to certain public-sector pension plans. The changes have been included in this publication and can be identified easily by looking for this symbol.

For further information, visit the Retraite Québec website This link will open in a new window..

What is the PPMP?

It is the Pension Plan of Management Personnel. Created on 1 January 1997, the PPMP covers non unionized employees who hold a non-unionizable position and have the required classification.

How did the PPMP come about?

The PPMP succeeded the Government and Public Employees Retirement Plan as it pertained to non-unionized personnel (commonly referred to as the RREGOP 02). On 1 January 1997, special provisions of the Government and Public Employees Retirement Plan (RREGOP) affecting management personnel in the public service, education, and health and social services sectors took effect. For administrative purposes, those provisions were called the Pension plan of Management Personnel (PPMP).

The special provisions form the basis of the Act respecting the Pension Plan of Management Personnel, which came into force on 1 January 2001. The Act dissociated employees in a non-unionizable position from unionized employees covered by the RREGOP.

In addition, all non-unionized employees who stopped contributing to the RREGOP 02 prior to 1 January 1997 and are entitled to a pension under that plan have been receiving benefits under the PPMP since 1 January 2001.

In accordance with the Act respecting the Pension Plan of Management Personnel, the contributions made to the RREGOP by non-unionized employees were transferred to the PPMP employees' contributions fund.

How much does my plan cost?

In 2021, the PPMP contribution rate is 12.29%.

Due to integration with the Québec Pension Plan (QPP), you contribute only on the portion of your pensionable salary that exceeds the exemption under the PPMP. In 2021, the exemption is $21 560. Pensionable salary is the salary used for pension calculation purposes.

As a result, if you work full time, you save $2649.72 in contributions ($21 560 × 12.29%), regardless of your pensionable salary.

In 2021, the maximum pensionable salary on which you can contribute is $183 838.

How can I obtain details on my membership in the plan?

For more details, you can consult your Statement of Participation under the PPMP online, in My Account.

What if I take a sabbatical leave with deferred pay?

A sabbatical leave with deferred pay has no effect on your pension.

You will be credited the service and the salary that you would have been credited had you not been on leave. However, your contributions are calculated on the salary you actually received.

How is my pension calculated?

Your basic pension is calculated as follows:

 Annual pension accrual rate (2%)
×Service credited for the calculation of your basic pension (maximum 40 years of service)
×Average pensionable salary of your 5 best-paid years of service, whether or not your additional period of membership is completed.

The following can be added to your basic pension: pension credits resulting from buy-backs, transfers from supplemental pension plans or transfer agreements, or additional pensions arising from the associated pension credit service. However, the total amount of your pension is capped by fiscal rules.

When can I receive an immediate pension?

An immediate pension is a pension that is usually payable as of the day after your membership in the pension plan ends.

Unreduced immediate pension

If your qualification period and any additional membership period are over, you will generally be entitled to an unreduced immediate pension provided you meet one of the following three eligibility requirements:
  • You are at least age 61.
  • You are at least age 56 and have 35 years of service credited for eligibility purposes.
  • You are at least age 58 and meet the 90 factor requirement
    (age + years of service credited for eligibility purposes).

If you have not completed the additional membership period (if required), you will be entitled to an unreduced immediate pension provided you meet one of the following eligibility requirements:

  • You are at least age 61.
  • You have at least 35 years of service credited for eligibility purposes.
  • You are at least age 60 and meet the 90 factor requirement (age + years of service credited for eligibility purposes).

Reduced immediate pension

Even if you do not meet any of the eligibility requirements for an unreduced immediate pension (e.g., the 90 factor requirement), you can retire provided you are at least age 55.

However, if you do so, you will be eligible for a reduced immediate pension. This means that your basic pension will be reduced permanently by 0.5% for each month of early retirement (6% per year). The reduction applies because you will receive your pension over a longer period than if you had waited until you were eligible for an unreduced immediate pension.

Can the reduction be reduced or cancelled?

Yes. This is what we call the compensation of the reduction due to early payment of a pension. It consists of transferring to the PPMP the amount necessary for you to be paid each year under your plan an amount equal to the reduction you wish to have decreased or eliminated.

The funds must be transferred from your registered retirement savings plan (RRSP) or a registered pension plan (RPP), in accordance with tax rules, within 60 days of the end of your membership. Your employer may also pay the amount required to reduce or eliminate the reduction of your pension, at the latest on the date on which you cease your employment under the plan.

What if I stop working before I am eligible for an immediate pension?

You can receive a refund of your contributions (plus interest) if you are under age 55 and have less than two years of service credited for eligibility purposes (excluding periods of service credited to complete years during which you worked part time or only part of a year). You must not have had any employment ties for at least 210 days when you send us your Application for a Retirement Pension Under a Public-Sector Pension Plan This link will open in a new window. (form RSP-079A), available on our website.

If you are under age 55 and have at least two years of service credited for eligibility purposes when you cease your employment, you can choose between:

  • receiving a deferred pension, either reduced or unreduced, depending on your age at the time you begin receiving it; or
  • requesting that we transfer the value of the benefits you have accrued under your plan to a locked-in retirement account (LIRA) or a life income fund (LIF).

Deciding to retire

What do I have to do once I have decided to retire?

In order to receive your pension under the Pension Committee of the Superannuation Plan for the Members of the Sûreté du Québec (SPMSQ), you must file your Application for a Retirement Pension Under a Public-Sector Pension Plan This link will open in a new window. (RSP 079A) and send it to Retraite Québec. The form is available on our website.

We recommend that you send it to us at least 90 days before the month of your retirement. That period includes a 30 day time limit, which allows you to inform us of your choices regarding payment of your benefits on the Your Options reply form you will receive.

If you do not meet the deadline, the default option indicated on the Your Options document will apply to determine the amount of your pension.

Save time and make the steps you take for retirement easier and log in to My Account whenever it is convenient for you. You can:

  • consult your information and your personalized documents
  • make calculations using tools for financial planning for retirement
  • see your estimated retirement pension and the amounts you could receive in the event of death or disability
  • file and track certain applications
  • sign up for notifications to receive a notice by email and/or text message in case of changes made to your file or when a document has been uploaded.
  • receive and consult your documents online rather than by mail.

Going digital, it's simple, fast and secure!

Is my pension indexed?

Yes, it is indexed each year on 1 January based on the increase in the cost of living.

  • The portion of your pension that corresponds to service accrued prior to 1 July 1982 will be fully indexed using the rate of increase of the Pension Index (PI), determined in accordance with the Act respecting the Québec Pension Plan and applied to take into account the increase in the cost of living.
  • The portion of your pension that corresponds to service accrued from 1 July 1982 through 31 December 1999 will be indexed using the rate of increase of the PI minus 3%. If the rate of increase of the PI is 3% or less, that portion of your pension will not be indexed.
  • The portion of your pension that corresponds to service accrued since 1 January 2000 will be indexed using the more advantageous of the following formulas: 50% of the rate of increase of the PI, or the rate of increase of the PI minus 3%.

Additional pensions are indexed using the rate of increase of the PI minus 3%.

In 2021, the rate of increase of the PI is 1.0%.

Why is my pension reduced when I turn 65?

The PPMP is integrated with the Québec Pension Plan (QPP). This means that under the PPMP, you are exempt from contributions to take into account your contributions to the QPP. When you turn 65, your pension under the PPMP will be reduced to take into account your pension under the QPP.

The reduction is calculated as follows:

 

QPP annual pension integration rate (0.7%)

×

Service credited for the calculation of your basic pension (35 years maximum)

×

The lesser of:

  • the average maximum pensionable earnings (MPE) for your last 5 years; and
  • the average pensionable salary for your last 5 years.
Please note

The introduction of the additional plan under the QPP as of 1 January 2019 does not change the existing provisions of public-sector pension plans. Therefore, only the Québec Pension Plan's base plan is taken into account to calculate the amount of the reduction as a result of integration.

To find out more about integration of the PPMP with the Québec Pension Plan, you can consult our leaflet entitled Integration of your public-sector pension plan with the Québec Pension Plan (QPP) This link will open in a new window., available on our website.

What are the advantages of a buy-back?

A buy-back could increase your retirement income. If you want to retire earlier, you can buy back only certain periods of service or absence.

However, if you are nearing the maximum number of years of service (40 years) for pension calculation purposes, buying back service might not be to your advantage. Consult the pension plan administrator at your place of work for further details.

What are the most common types of buy-back?

The main periods of service that can be bought back are:

  • years of service accrued as a casual employee for an employer subject to the plan:
    • from 1 July 1973 to 31 December 1986, for casual employees on a recall list in the health and social services sector;
    • from 1 July 1973 to 31 December 1987, for all other casual employees in the education, public service and health and social services sectors.

Since 1 January 1988, all casual employees in the education, public service and health and social services sectors working on a part-time or full-time basis have been covered by pension plans that we administer. Therefore, it is no longer necessary to buy back service for periods worked since that date because those employees have already made contributions to their plan.

The main periods of absence that can be bought back are:

  • full-time or part-time absences without pay that began after you became a member of the RREGOP or the PPMP and that have not been credited under your plan;
  • maternity leaves prior to 1 January 1989 or that were underway on that date. Different conditions apply depending on the periods.

An absence can be considered an absence without pay provided all the following conditions are met:

  • It must be provided for in your conditions of employment.
  • It must be authorized by your employer, except for absences resulting from a strike, a lock-out or a disciplinary suspension.
  • You must not have received any remuneration during the period in question.
  • You would or could have worked had it not been for the absence.

Years of service refunded under the PPMP or RREGOP cannot be bought back.

If your new Statement of Participation shows that you have days of absence that can be bought back, buying back those days could increase the amount of your retirement pension or allow you to retire earlier.

Use our online Estimate of the cost of a buy-back under the RREGOP and the PPMP This link will open in a new window. tool to assess how a buy-back of your days of absence will affect your pension.

How do I apply for a buy-back?

To file an application for a buy-back, you must complete one of the two following forms, or both, and send it or them to Retraite Québec, based on your situation:

The forms are available on Retraite Québec's website and can be sent using the Sending a document online service.

What is phased departure?

Near the end of your career, you can reduce your work hours before you retire.

You and your employer must come to an agreement concerning phased departure. The agreement must last at least 1 year, but not more than 5.

Your new work schedule must not be less than 40% of a full-time schedule, and you must retire at the expiry of the agreement.

You will be credited the service and the salary that you would have been credited had you not reduced your work hours. Your contributions will be calculated on the basis of your unreduced salary.

Seasonal or occasional employees are not eligible for phased departure.

Will the legislative amendments to the PPMP have an effect on my phased departure?

The legislative amendments brought about by the Act to foster the financial health and sustainability of the Pension Plan of Management Personnel and to amend various legislative provisions, which was assented to in May 2017, apply even if you came to an agreement concerning phased departure before the Bill was tabled. One of the measures in the Act provides for the temporary suspension of indexation of basic pensions and certain additional pensions. Furthermore, there is no measure to maintain the provisions in effect prior to the legislative amendments with regard to phased departure agreements ending after 30 June 2019.

However, transitional measures are in place for phased departure agreements that began before 8 February 2017. If this applies to you, you can choose between:

  • postponing the end date of your phased departure agreement;
  • continuing to work after the agreement ends.

To take advantage of either of these measures, you must notify your employer in writing at least 12 months before your agreement ends. Your employer must respect your choice.

If your agreement ends in less than 12 months and you would like to take advantage of either of the measures, you must obtain your employer's written authorization before the agreement ends.

Note that if you have not completed your additional period of plan membership, different transitional measures apply to phased departure agreements that took effect before 11 May 2016 or between 11 May 2016 and 7 September 2016. The measures were brought about by the Act to amend certain Acts establishing pension plans applicable to public sector employees and, under certain conditions, allow for the eligibility criteria for unreduced immediate pensions (i.e., be age 60 or have accrued 35 years of service) and the annual reduction of 4% applicable to reduced immediate pensions to be maintained.

Can I return to work after I retire?

Yes. If you return to work in employment covered by RREGOP, the PPMP, or the PPPOCS, you must inform your employer that you are receiving a pension under the PPMP. In addition, you must inform us as soon as possible of your return to work and specify whether you intend to contribute to a plan by filing form 202A This link will open in a new window., Return to Work of a Pensioner. The form is available on our website.

If you decide to contribute to a pension plan, contributions will be deducted from your salary, and payment of your pension will be suspended.

As of 1 March 2020, new dispositions apply to beneficiaries under the PPMP who decide not to participate in the plan again when they return to work. The financial impact regarding returning to work differ if the position held is covered by RREGOP, the PPMP or the PPPOCS.

The content of this section does not take into account the information regarding the provisions applicable when returning to work. If you would like to find out more on this matter, please consult the You receive a pension under the PPMP and want to go work in the public or parapublic sector section.

What benefits are payable in the event of death?

You are not eligible for an immediate pensionYou are eligible for an immediate pensionYou are retired

You have accrued less than 2 years of service

Contributions are refunded (with interest) to your spouse or, if you do not have a spouse, to your heirs.

You have a spouse

50%Voir la Note 1of your pension integrated with the QPP and of the life annuity arising from your pension credit service. If your spouse dies, the guaranteed minimumVoir la Note 2 applies.

You have a spouse

50%Voir la Note 1 or 60%Voir la Note 3of your pension integrated with the QPP and of the life annuity arising from your pension credit service. If your spouse dies, the guaranteed minimumVoir la Note 2 applies.

You have accrued 2 years of service or more

The greater of the total contributions (with interest) or the actuarial value of the indexed deferred pension are refunded to your spouse or, if you do not have a spouse, to your heirs.

You do not have a spouse

Contributions are refunded (with interest) to your heirs.

You do not have a spouse

Guaranteed minimum.Voir la Note 2

Can my spouse renounce his or her rights?

Yes. Your spouse This link will open in a new window. can waive his or her spousal benefits in favour of your heirs. Your spouse could also revoke that waiver at a later time by informing us in writing. In both cases, we must receive that information before your death.

To serve you better

Retraite Québec is committed to:

  • offering high-quality services that meet your expectations. To find out more about our commitments, consult our Service Statement online.
  • handling complaints and comments with complete independence and confidentiality. The Commissaire aux plaintes et à l'amélioration des services can make recommendations to improve our services and programs. You can phone us to leave a comment or file a complaint with the Commissaire. For more information, refer to our website.

Protection of personal information

We obtain personal information from citizens, government departments and public agencies. We protect that information and make sure that it is used by duly authorized personnel in carrying out their duties.

However, we can release the information to certain government departments and public agencies in accordance with written agreements approved by the Commission d'accès à l'information du Québec.

How to reach us

Online
retraitequebec.gouv.qc.ca

By telephone
418 643-4881 (Québec region)
1 800 463-5533 (toll-free)

By mail
Retraite Québec
Régimes de retraite du secteur public
Case postale 5500, succursale Terminus
Québec (Québec)  G1K 0G9

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To find out more about your pension plan, you can contact your employer. The publication is a summary of the provisions of your pension plan. The information it contains does not supersede the legislation governing your pension plan or pertaining orders or regulations.

  1. If you have a pension credit as a result of a transfer from a supplemental pension plan or a transfer agreement, your spouse will generally be entitled to 50% of the credit. However, if you have a pension credit resulting from a buy-back, we will refund, with interest, the amount paid for the credit, minus any benefits already paid to the pensioner. Revenir à la référence
  2. The heirs are refunded the difference between the total contributions with interest and the benefits already paid.Revenir à la référence
  3. In order for your spouse to be entitled to 60% of your pension, you must choose that option on the reply form provided with the document entitled Your Options, which you will receive after you file an application for a pension. Your pension will be permanently reduced by 2%. Your choice becomes irrevocable once payment of the pension begins. Revenir à la référence