A person under age 65 who is unable to work because of his or her state of health, and a child of that person, where applicable, may be entitled to disability benefits if the person has contributed sufficiently to the Québec Pension Plan. The disability benefits paid under the Plan are the following:
Disability pensionA disability pension may be paid to a person if Retraite Québec recognizes that the person has a severe and permanent disability. A disability is not considered severe by Retraite Québec if the person can do work, taking his or her limitations into account, for which he or she earns more than $15,489 a year. A disability is not considered permanent if improvement is possible. The fact that an insurance company considers a person to be disabled does not necessarily give entitlement to a disability pension. If a beneficiary of a retirement pension paid under the Québec Pension Plan becomes disabled before age 65, the beneficiary may cancel his or her retirement pension in order to receive a disability pension, provided that this is done within the prescribed time limits. However, a retirement pension cannot be cancelled if it has been received for more than 18 months or if the Retraite Québec cannot determine that the start date of the disability falls within six months after the first retirement pension payment. Additional amount for disabilityAn additional amount for disability may be granted to a beneficiary of a retirement pension under the Québec Pension Plan who cannot cancel his or her retirement pension to receive a disability pension.
The amount is added to the retirement pension. Pension for a disabled person’s child The pension for a disabled person’s child is paid to
Return to work or increased incomeThe beneficiary of a disability pension or an additional amount for disability must inform Retraite Québec if he or she returns to work, even temporarily or part time, or if his or her income increases. This could spare the beneficiary from receiving amounts he or she is not entitled to and, consequently, from having to repay those amounts. A beneficiary should inform Retraite Québec of a return to work or of an increase in income when monthly employment earnings exceed $1000. Retraite Québec does not automatically stop paying benefits at the time of a return to work or an increase in income. First, it determines whether the conditions for receiving benefits are still being met. If such is not the case, the Retraite Québec will stop paying benefits three months after the date of the return to work or the increase in income. Inability to continue working after returning to workA worker who stopped receiving disability benefits because he returned to work and who once again leaves his employment for health reasons may file a new application with Retraite Québec.
Contributory periodPeriod that begins in the month following a person’s 18th birthday and ends in the month as of which the Retraite Québec determines the person to be disabled.
The clientele and the conditions are indicated individually for each service, since they may differ in each case.
Disability benefits are payable as of the fourth month following the month in which the person is recognized as disabled by Retraite Québec. This is called the waiting period. Disability pensionThe monthly amount of the disability pension consists of a base amount to which is added a variable amount determined in accordance with the employment earnings registered in the person’s name under the Québec Pension Plan. In 2017, the monthly amounts are:
The disability pension ends when one of the following situations occurs:
Additional amount for disabilityThe additional amount for disability is a set monthly amount that is added to the retirement pension. In 2017, the monthly amount is $478. The additional amount for disability stops being added to the retirement pension as soon as one of the following situations occurs:
Pension for a disabled person’s childThe pension for a disabled person’s child corresponds to a set monthly amount that is added to the amount of the disability pension. In 2017, the monthly amount is $76.52 for each eligible child. The pension for a disabled person’s child ends when the child reaches age 18, or before, in the following cases:
Retroactive paymentDisability benefits may be retroactively paid for a maximum of eight months from the date of receipt of the application, on the condition that all criteria are met. Tax treatmentDisability benefits are taxable. The pension for a disabled person’s child must be reported in the child’s income. IndexingDisability benefits are indexed in January of each year. Terms of payment Disability benefits are paid on the last working day of the month. Monthly payment datesIn 2016, the monthly payments of disability benefits will be made on the following dates:
The additional amount for disability has been in effect since January 1, 2013.