Canada and Québec Pension Plans

For your information

The Québec Pension Plan is the equivalent of the Canada Pension Plan in all other provinces and the benefits are virtually the same.  Both are contributory plans and the benefits are based on the number of years and the amount of contributions.  These plans have nothing to do with the Old Age Security Pension Plan.  The maximum retirement (CPP or QPP) pension is paid at 65 and can be taken as early as 60 but reduced by 6% per year (0.5% per month).

For more information:

Government of Québec           

Government of Canada           


Québec Pension Plan In 2017, generally, your pension will be paid the last working day of each month.


31 January 2017 31 July 2017
28 February 2017 31 August 2017
31 March 2017 29 September 2017
28 April 2017 31 October 2017
31 May 2017 30 November 2017
29 June 2017 28 December 2017
Basic information on the Québec Pension Plan in 2016
Maximum Pensionable Earnings 54 900 $
Basic exemption 3 500 $
Contribution rate 10,65%
Maximum contribution for workers (5,325%) and employers (5,325%) 2 737,05 $
Maximum contribution for self-employed workers (10,65%) 5 474,10 $
Indexation rate for benefits as
at 1 January 2016


Maximum amount for lump-sum
Death benefit 2 500 $


Maximum monthly amounts See note(1)
Retirement pension
Age 65 (100% of the maximum pension) 1 092,50 $
Age 60 (64% of the maximum pension) 699,20 $
Age 70 (142% of the maximum pension) 1 551,35 $
Disability benefits
Disability pension 1 290,78 $
Additional amount for disability for retirement pension beneficiaries 471,40 $
Pension for a disabled person’s child 75,46 $
Survivors’ benefits
Orphan’s pension 237,69 $
Surviving spouse’s pension See note(2)
Beneficiary under age 45, not disabled, without dependent children 530,42 $
Beneficiary under age 45, not disabled, with dependent children 847,39 $
Beneficiary under age 45, disabled, with or without dependent children 881,09 $
Beneficiary between ages 45 and 64 881,09 $
Beneficiary age 65 or over 655,50 $
  1. Note 1 Pensions calculated using the average of maximum pensionable earnings for the last 5 years.
  2. Note 2 Pension calculated with respect to contributors who were not receiving a retirement pension.



Government Income-Security Program

Old Age Security and Canada Pension Plan payments are automatically deposited into bank accounts in Canada and the United States on the following dates for the year 2017:

27 January 2017 27 July 2017
24 February 2017 29 Aug 2017
29 March 2017 27 September 2017
26 April 2017 27 October 2017
29 May 2017 28 November 2017
28 June 2017 20 December 2017

Public pensions 

Information on the Canada Pension Plan, Old Age Security pension and related benefits, the Canadian retirement income calculator and retirement planning.

When clicking on the blue title it will direct you to government of  Canada.


Canada Pension Plan retirement pension

Includes eligibility criteria, deciding when to take your pension, how to apply online and amounts.

Canada Pension Plan disability benefits

Information on a taxable benefit you may be eligible for if you are unable to work because of a disability.

Old Age Security pension

Information on a pension you can receive if you are 65 years of age or older and have lived in Canada for at least 10 years – even if you have never worked.

Guaranteed Income Supplement

Information on a benefit you may be eligible to collect if you are an Old Age Security recipient with low income.

Allowance for people aged 60 to 64

Learn about this benefit available to the spouses or common-law partners of Guaranteed Income Supplement recipients.

Benefits for Canadians living abroad

Includes information on Employment Insurance (EI), pensions, benefits and taxes, for those who work or live outside of Canada.

Retirement planning

Information to help you plan for retirement, including where your retirement income may come from, and what benefits you may be eligible for when you retire.

Allowance for the Survivor

Find out how to receive a benefit if you are a low-income widow and are not yet eligible for Old Age Security.

Survivor’s Pension

Includes information on eligibility criteria, how to apply and amounts.