OAS Guides

Eligibility checks

Do I qualify for a Quebec Pension Plan (QPP) retirement pension?

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The Quebec Pension Plan (QPP) retirement pension is a monthly pension for people who worked in Quebec. Retraite Québec runs it. It does not start on its own: you must apply. This check tells you whether you are likely to qualify, where to apply and how your start age changes the amount.

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How old are you?

Do you already get a QPP or CPP retirement pension?

Where do you live now?

Where you live when you apply decides which plan you apply to.

Which was the last province you lived in before you left Canada?

Have you paid into the QPP for at least one year?

QPP contributions are taken from your pay when you work in Quebec. Self-employed people pay them on their tax return. Your Statement of Participation shows your record.

Which age group are you in?

Likely not eligible

Not yet. The QPP can start at 60.

Why

The earliest you can start a QPP retirement pension is 60. You cannot apply more than 12 months ahead. Retraite Québec suggests applying about 3 months before the month you want your first payment.

What to do next

  1. Sign in to My Account on the Retraite Québec website and look at your Statement of Participation.
  2. Come back to this check when you are close to 60.

More help

This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.

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Likely eligible

You already get a pension. Check these extras.

Why

Your pension has started, so eligibility is settled. There are other things people often miss.

What to do next

  1. If you work and keep contributing, you earn a retirement pension supplement on top of your pension.
  2. From 65, while you get a pension, you can choose to stop contributing.
  3. Couples can share their QPP retirement pensions, which may lower their taxes.
  4. If your spouse has died, ask Retraite Québec about the surviving spouse's pension and the death benefit.

More help

This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.

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We cannot tell from your answers

You likely apply to the Canada Pension Plan, not Retraite Québec.

Why

If you worked in Quebec and in other provinces, you get one pension that counts both QPP and CPP contributions. Where you apply depends on where you live when you apply. If you live in Canada outside Quebec, or Quebec was not the last province you lived in, you apply under the CPP through Service Canada.

What to do next

  1. Run our CPP check.
  2. Tell Service Canada about the years you worked in Quebec.
  3. Call Service Canada with questions. The number is in our CPP guide.

More help

This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.

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We cannot tell from your answers

Your pension likely comes from your CPP work, but you apply to Retraite Québec.

Why

The QPP is for work done in Quebec. Work in other provinces counts for the Canada Pension Plan (CPP). You get one pension that counts both. If you live in Quebec, or Quebec was the last province you lived in before leaving Canada, you apply to Retraite Québec.

What to do next

  1. Apply to Retraite Québec and tell them about the provinces where you worked.
  2. Read our CPP guide to understand how the pension is worked out.
  3. Call Retraite Québec at 1-800-463-5185 if you are not sure where to apply.

More help

This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.

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Likely not eligible

You likely do not qualify for a QPP retirement pension.

Why

A QPP retirement pension needs enough contributions for at least one year, and contributions come from work.

What to do next

  1. Check Old Age Security (OAS). It does not depend on work. Quebec residents get it through Service Canada.
  2. If your spouse has died, ask Retraite Québec about the surviving spouse's pension.

More help

This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.

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We cannot tell from your answers

Your Statement of Participation decides this.

Why

You need enough QPP contributions for at least one year. Your Statement of Participation shows every year you paid in.

What to do next

  1. Sign in to My Account on the Retraite Québec website and look at your Statement of Participation.
  2. Or call Retraite Québec at 1-800-463-5185 (418-643-5185 in the Québec City area, 514-873-2433 in the Montréal area).

More help

This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.

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Likely eligible

You are likely eligible for a QPP retirement pension.

Why

You are 60 or older and have paid into the QPP. If you start before 65, your pension goes down by 0.5% to 0.6% for each month before your 65th birthday, for life. In 2026, the maximum is $964.90 a month at 60 and $1,507.65 a month at 65. Most people get less.

What to do next

  1. Decide when you want your pension to start. Waiting raises your monthly amount for life.
  2. Apply in My Account on the Retraite Québec website, or with form B-001A. Apply about 3 months before you want your first payment, and no more than 12 months ahead.
  3. The pension is taxable. You can ask Retraite Québec to take off tax at source.
  4. Make sure you are enrolled with Service Canada for OAS at 65, and the GIS if your income is low.

More help

This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.

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Likely eligible

You are likely eligible for a QPP retirement pension.

Why

You are 65 or older and have paid into the QPP. Your pension goes up by 0.7% for each month after 65 that you wait, until 72. In 2026, the maximum is $1,507.65 a month at 65 and $2,394.15 a month at 72. Most people get less.

What to do next

  1. Apply in My Account on the Retraite Québec website, or with form B-001A.
  2. Instead of the monthly increase, you can ask for back payments. Your pension will then be lower for life, and back payments cannot start before age 65.
  3. Waiting past 72 gains nothing. Make sure your pension has started by then.
  4. Make sure you are enrolled with Service Canada for OAS, and the GIS if your income is low.

More help

This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.

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Likely eligible

You are likely eligible. Apply now.

Why

You have paid into the QPP. There is no increase for waiting after 72. In 2026, the maximum for a pension started at 72 is $2,394.15 a month. Most people get less.

What to do next

  1. Apply now in My Account on the Retraite Québec website, or with form B-001A.
  2. Call Retraite Québec at 1-800-463-5185 if you need help applying.
  3. Make sure you are enrolled with Service Canada for OAS, and the GIS if your income is low.

More help

This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.

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Where these rules come from

  1. Can you receive a retirement pension? (Retraite Québec)
  2. Québec Pension Plan figures (Retraite Québec)
  3. Calculation of your retirement pension (Retraite Québec)
  4. How to apply for your retirement pension? (Retraite Québec)
  5. You worked elsewhere in Canada (Retraite Québec)

All eligibility checks