Retirement Pension Supplement

Are you already receiving your retirement pension under the Québec Pension Plan (QPP)? You can work and continue to receive it.

These contributions entitle you to an increase in your retirement pension: the retirement pension supplement. You do not need to file an application for it, because you will receive it automatically as of the year following the one during which you made contributions. If you are age 65 or over, you can choose to stop contributing to the QPP. As of 1 January of the year following your 72nd birthday, you automatically stop contributing to the Plan. However, if your birthday is in December, you will contribute for one additional year.

Calculation of the retirement pension supplement

Only your employment earnings that exceed $3500 per year are taken into account in the calculation of the retirement pension supplement. If your earnings for the year are higher than the maximum pensionable earnings, the maximum will be used to calculate your pension.

Contributions and retirement pension supplement
Pensionable earningsContributionsRetirement pension supplement (per year, for life)
EmployeesSelf-employed workers
$10 000$416$832$43
$25 000$1376$2752$142
$40 000$2336$4672$241
$65 000$3936$7872$406

The supplement paid to you for a given year is equal to 0.66% of the earnings on which you contributed for the previous year.

Example of the supplement increase in the long term

Guylaine, age 65, pays $1000 in contributions to the QPP in 2025. As of 2026, she will receive $103 per year ($9 per month), which will be added to her retirement pension. The amount will increase each year because it is adjusted to the cost of living. If the increase is 2% each year, Guylaine will receive $105 the following year, then $107 the year after, etc.

Thanks to the contributions paid in 2025, Guylaine will have received in total:

  • $1000 after 9 years;
  • $2000 after 17 years;
  • $3000 after 23 years;
  • $4000 after 29 years.

Therefore, if Guylaine lives at least until age 74, her contribution will have been worth it. The longer she lives, the more her contribution will pay off.

Payment

You will receive the supplement for the rest of your life. To calculate the supplement you will receive for a given year, we use the information provided to us by Revenu Québec on your employment earnings for the previous year. We receive that information a few months after you filed your income tax return. You will receive a notice of change when your pension amount will be adjusted. Then, we will pay you the amounts to which you have been entitled for the past months since 1 January.

Each year, you will receive new supplements that will increase your pension as long as you make new contributions.

Canada Pension Plan

 

You are entitled to a pension supplement if you work in Québec, even if you are receiving a retirement pension under the Canada Pension Plan.

In the event of death

 

A portion of your pension supplement will increase your spouse's surviving spouse's pension if he or she receives one.

Other useful information