Retraite Québec - Benefits amounts and key data

The amount of Family Allowance payments varies from one family to another. It is adjusted to the cost of living each year, in January.

Maximum and minimum yearly amounts – 2025
Maximum amount
Indexation rate for benefits as at 1 January 2025	2.85%
Per child	$3006
Single-parent family	+ $1055
Minimum amount
Per child	$1196
Single-parent family	+ $421

Yearly amount for the purchase of school supplies – 2025
Supplement for the Purchase of School Supplies	$124

Yearly amounts for a handicapped child – 2025
Supplement for Handicapped Children	$2832
Supplement for Handicapped Children Requiring Exceptional Care
Tier 1	$14 292
Tier 2	$9504

The amount is also updated each year in July depending on:

the number of dependent children under age 18 living with the family;
the number of children in shared or sole custody;
the conjugal status (single or with a spouse);
the family income, which is calculated based on one of the following situations:
- the combined income of the two parents who form a couple;
- the combined income of the two spouses who form a blended family;
- the parent's personal income in the case of a single-parent family.

It is possible to see the new amounts of the payments each year in mid-June on the annual notice uploaded to My Account.

Basic information for 2025
Contribution rate Employers and workers each pay half of the contribution to the Plan. Self-employed workers pay both shares of the contribution, that is, the employer's share and the worker's share.
Basic exemption	$3500
Yearly maximum pensionable earnings, also called maximum pensionable earnings (MPE)	$71 300
Additional maximum annual pensionable earnings, also called additional maximum pensionable earnings (YAMPE)	$81 200
On earnings between $3500 and $71 300
Base plan	10.8%
Additional plan	2%
On earnings between $71 300 and $81 200
Additional plan	8%
Maximum contribution for workers and employers
On $67 800 (earnings between $3500 and $71 300 [MPE])
Base plan (5.4%)	$3661
Additional plan (1%)	$678
On $9900 (earnings between $71 300 and $81 200 [YAMPE])
Additional plan (4%)	$396
Maximum contribution for self-employed workers
On $67 800 (earnings between $3500 and $71 300 [MPE])
Base plan (10.8%)	$7322
Additional plan (2%)	$1356
On $9900 (earnings between $71 300 and $81 200 [YAMPE])
Additional plan (8%)	$792
Indexation rate for benefits as at 1 January 2025	2.6%

Maximum amount for single payment
Maximum amount for death benefit	$2500

Maximum monthly amounts
Pensions are calculated by using the average maximum pensionable earnings for the last five years. The amounts paid under the additional plan are included in the maximum amounts shown and were updated on 1 January 2025.
Retirement pension
At age 65 (100% of the maximum pension)	$1433.00 See ^(Note 1)
At age 60 (64% of the maximum pension)	$917.12
At age 72 (158.8% of the maximum pension)	$2275.60
Disability benefits
Disability pension for persons aged 18 to 59	$1672.62
Disability pension for persons aged 60 to 65	$598.46
Additional amount for disability for beneficiaries of the retirement pension	$598.46
Pension for a disabled contributor's child	$95.82
Survivors' benefits
Orphan's pension	$301.77
Surviving spouse's pension It is the pension calculated for contributors who were not receiving a retirement pension.
Beneficiary under age 45, not disabled, without dependent children	$689.43
Beneficiary under age 45, not disabled, with dependent children	$1091.84
Beneficiary under age 45, disabled, with or without dependent children	$1134.61
Beneficiary between ages 45 and 64	$1134.61
Beneficiary age 65 or over	$844.24

Note 1 The maximum retirement pension at age 65 for the base plan is $1387.08. Back to reference

Key data for 2025
Contribution rate:
Rate of increase of the Pension Index (This rate is used according to the indexation formula for each plan.)	2.6%
Maximum pensionable earnings (MPE)	$71 300
Basic exemption under the QPP	$3500
Plan exemption (RREGOP, PPCT)	$17 825 See ^(Note 1)
Plan exemption (PPMP, RPSO)	$24 955
Reduction factor (RREGOP, PPCT)	0.0152
RREGOP and PPCT (U See ^(Note 2))	9.09%
PPCT (NU See ^(Note 3))	8.09%
RPCHCN	N/A
PPFEQ	0%
PPFEQ (NU)	0%
PPEMO	4.81%
PPCJBJ	N/A
PPCJQ	9% and 1% after 21.7 years
PPMNA	9%
SPMSQ	11.50%
PPMP	12.67%
RPSO	12.67%
PPPOCS	10.73%
PPPOCS (QP See ^(Note 4))	11.73% See ^(Note 5)
Maximum pensionable salary:
RREGOP, PPMP, TPP, CSSP, PPCT See ^(Note 6), PPFEQ, RPCHCN	$212 789
PPCJBJ	$250 445
PPCJQ	$269 411
PPMNA	$214 667
SPMSQ, PPEMO, RPMCM	$187 834
PPPOCS	$205 659
RPSO See ^(Note 7)	$220 981
Interest rate (from 1 June 2024 to 31 May 2025) for the plan established based on rates of return:
RREGOP, PPCT	3.28%
PPPOCS	3.48%
PPMP, RPSO	3.21%
Interest rate (from 1 June 2024 to 31 May 2025) administrative established based on an external rate	3.65%
Maximum annual amount of a pension granting entitlement the payment of its actuarial value	$2079
RRSP contribution ceiling	$32 490
Maximum pension adjustment (PA)	$33 210
Maximum defined benefits	$3756.67
Buy-back ceiling for years prior to 1990	$2504.44

Note 1 No contributions are payable if the salary is $24 955 or less (35% of the MPE). Return to reference
Note 2 U : unionized. Return to reference
Note 3 NU : non-unionized. Return to reference
Note 4 Person eligible for the PPPOCS whose employment is covered by the RREGOP or PPMP. Return to reference
Note 5 The member contribution must correspond to the lesser of the following amounts: [pensionable earnings – the lesser amount between (pensionable salary x 25%) and (25% of the MPE x harmonized service)] x rate of contribution. Return to reference
Note 6 The maximum pensionable salary for years subject to a rate of 1.6% is $265 986. Return to reference
Note 7 The maximum pensionable salary used to limit the benefit for years subject to a rate of 2% is $187 834. Return to reference

Data for 2025
Prescribed rate for 2025 relating to the calculation of the upper limit of the life income for those under age 55	6%
Maximum pensionable earnings (MPE) See ^Note 1	$71 300
Maximum temporary income (50% of the MPE)	$35 650
Maximum monthly temporary income under age 55	$2970.83

Data for 2025
Maximum pensionable earnings (MPE) See ^Note 1	$71 300

Required fees per member or beneficiary
As of 31 December 2024	$12.75 per member or beneficiary
The fee schedule lists the fees for the annual information return and to register or terminate a pension plan.

Data for 2025
Default member contribution rate (section 22 of the Regulation respecting voluntary retirement savings plans )	4% of gross
Maximum pensionable earnings (MPE)See ^Note 1	$71 300

Required fees per member
Annual statement as at 31 December 2024 (section 11 of the Regulation respecting voluntary retirement savings plans	$6.25 per member

Obligation of employers
By 31 December 2025	The employer must offer a VRSP or another plan allowed under the Voluntary Retirement Savings Plan Act if it has: 5 or more eligible employees on 31 December 2024, and 10 or more eligible employees on 30 June 2025.

2025 Benefit amounts and key data