Quebec

The Québec Pension Plan

Easy application

Need you to file taxes and apply separately

The Québec Pension Plan is a compulsory public insurance plan for workers age 18 and over whose annual employment income is greater than $3500. Its purpose is to provide persons who work in Québec (or have worked in Québec) and their families with basic financial protection in the event of retirement, death, or disability.

On 1 January 2019, the Québec Pension Plan was enhanced with an additional plan. The enhancement, which increases progressively, will help future generations of retirees improve their financial security in retirement. Their retirement pension will increase based on the number of years of contributions they make to the additional plan. The full effect of the changes will be achieved in roughly 40 years. Persons who are no longer contributing to the Plan because they stopped working before 1 January 2019 will not be affected by the changes.

Québec Pension Plan Figures gives basic information on the Québec Pension Plan and the maximum monthly amounts of pensions paid under the Plan in 2024.

The plan is a compulsory public insurance plan for workers age 18 and over whose annual employment income is greater than $3500.

For Quebeckers working abroad, a worker and his or her spouse may be entitled to a retirement, disability, surviving spouse's or orphan's pension paid by a foreign country. However, the following conditions must be met:

A certificate of coverage for work abroad can be obtained from our Bureau des ententes de sécurité sociale (BESS).

You can apply to receive your retirement pension 1 to 3 months before the date on which you would like to receive your first payment.

You can also use the Application for a Retirement Pension form to submit your application by mail. However, you should expect longer processing time.

To apply you will need:

  • To sign up for a clicSÉQUR account
  • The dates of birth of your children, if applicable.
  • Your file number with the Société de l'assurance automobile du Québec (SAAQ), if you are receiving an indemnity.
  • Your banking information to sign up for direct deposit.

The online service may contain barriers to accessibility. You can call for assistance.

Last updated: January 1, 2024