Payment of your retirement pension under the Québec Pension Plan
Start of the payment of your retirement pension
Before age 65, your pension will begin on the latest of the following dates:
- the month following your 60th birthday;
- the month following the date on which we received your application for a pension;
- the month you chose on your application for a pension.
After age 65, your pension will begin on the latest of the following dates:
- the month following your 65th birthday;
- the 11th month before the one in which we received your application, if you want a retroactive pension;
- the month you chose on your application for a pension.
Retroactive pension
If you would like to, you can apply for a retroactive pension for up to a maximum of 12 months, including the month in which we received your application. You will therefore receive a single payment equal to the pension you would have received had you applied up to 12 months earlier. The retroactive pension can only begin after your 65th birthday. However, the monthly amount will be lower for life, compared to a pension you would have received later.
Frequency of your payments
You will receive your pension on the last working day of the month.
Sign up for
direct deposit to receive your payments in your bank account.
Do you live outside Canada?
In certain cases, you can receive your pension by direct deposit in the currency of your country of residence. Consult the
list of countries or territories where this service is currently offered.
You cannot request provincial income taxes to be deducted from your pension. The income tax rate that applies to your income is determined by the Canada Revenue Agency.
For more information or to request a change regarding an income tax deduction, consult the Taxes on Pensions and Benefits for those outside Canada 
page on the Government of Canada's website.
Other useful information