Calculation of your disability pension under the Québec Pension Plan
A portion of your disability pension under the Québec Pension Plan (QPP) is calculated based on the employment earnings entered in your file under the QPP.
The employment earnings used for the calculation of your pension are those you earned between the month during which you turned 18 and the end of the month before payment of your disability pension began.
Only your employment earnings that exceed $3500 per year are taken into account in the calculation. However, if you did not work for a year, this could decrease the average used to calculate your pension.
If your earnings for the year are higher than the
maximum pensionable employment earnings, the maximum will be used to calculate your pension.
Which earnings are not used for the calculation of your disability pension under the QPP?
We do not take into account the months during which you did not have earnings when you were entitled to, as applicable:
- a
disability pension under the Québec Pension Plan or Canada Pension Plan;
- an
unreduced income replacement indemnity from the Commission des normes, de l'équité, de la santé et de la sécurité du travail (CNESST) for at least 24 consecutive months;
-
family benefits paid by the Québec or Canadian government for a child under age 7. This period may extend to the end of the year during which the child turns 18. This is the case if you receive the Supplement for Handicapped Children Requiring Exceptional Care for the child.
In addition, if this benefits you, we do not take into account the months during which you earned lower employment earnings during the same periods.
We can also exclude up to 15% of your lowest employment earnings from the calculation of your pension.
Why are these earnings not used to calculate your pension?
Avoiding taking into account these earnings increases the average used to calculate your pension. Therefore, your disability pension could be higher. This measure could also allow you to obtain certain benefits under the Québec Pension Plan or increase their amounts.
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