My Account

Application for a Retirement Pension Under the Québec Pension Plan

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Before you file an application

Did you know that your pension is calculated based on your employment earnings and the age at which you begin to receive it? Consult your Statement of Participation in My Account for more information on the estimates of your retirement pension.

Access My Account This link will open a new window.
1 
Authentication

Authentication

You need a clicSÉQUR account to access My Account. To create your account, you will need a notice of assessment from Revenu Québec.

2 
Estimate

Estimate

Complete your application. An estimate of your pension amount will appear on-screen.

3 
Send

Send

Send your application and obtain an acknowledgment of receipt.

4 
Tracking

Confirmation

Consult the Notice of Decision in My Account.

5 
Tracking

Tracking

Choose to go 100% digital to not miss a thing thanks to notifications.

You will need:

  • the dates of birth of your children, if applicable;
  • your banking information to sign up for direct deposit.

When should you apply for your retirement pension?

At age 65, you can receive 100% of your retirement pension. If you apply for your pension after age 65, you will receive a higher pension for life. Your pension amount will reach its maximum when you turn 72. Therefore, it stops increasing after that age, even if you apply for your pension after that age. If you apply for it between ages 60 and 65, you will receive a lower pension for life. The earlier you apply for your pension, the lower your amount will be.

To determine the right time to retire, you can use CompuPension. With this tool, you can estimate the amounts to which you are entitled and compare several scenarios. This will help you make a better-informed decision.

You can apply for your pension up to 12 months before the time you wish to receive your first payment. You cannot receive your retirement pension before age 60.

If you are receiving a disability pension, you do not need to apply for a retirement pension because you will automatically receive it as of age 60. For more information, consult If you are already receiving a disability pension and you are under age 60 page.

How do you apply for your retirement pension?

Access My Account and choose of the following two options:

  • Pre-completed online application form

    • Once you have completed the form, an estimate of your pension amount will appear on-screen;
    • You will receive your pension as of the month following the month during which your application has been accepted. If you would like to receive your pension at a later time, you can enter a date on the form;

  • Simplified Spotlight on your retirement application

    • You can find the application in your digital file if you have reached age 64 and 6 months;
    • You will receive your pension as of the month following the month during which your application has been accepted. If you would like to receive your pension at a later time, you will receive it as of the month you have chosen.

Other way of applying for your retirement pension

You can also complete the Application for a Retirement Pension Under the Québec Pension Plan form and send it to us online.

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