As a teacher in one of Quebec’s public schools you contribute to a pension plan called RREGOP that will provide you with a guaranteed benefit when you retire. For many teachers, their pension is their most valuable financial asset by the end of their careers. For this reason, it is important to be aware of your pension plan and its provisions.
The Quebec Provincial Association of Teachers (QPAT) will be holding pension information sessions in the fall of 2026. These sessions will be offered on-line through the Zoom meeting platform. Both sessions are intended primarily for teachers approaching retirement, but they may be of general interest to QPAT members, especially part 1.
Part 1 of the presentation will focus on the basic structure and determination of RREGOP, QPP and OAS benefits as well as pension integration.
Part 2 will focus on how RREGOP and QPP benefits are affected by absences, survivor benefits and indexation, as well as discussing group insurance for QPAT retirees and introducing individuals to the process for retiring.
As a teacher in one of Quebec’s public schools you contribute to a pension plan called RREGOP that will provide you with a guaranteed benefit when you retire. For many teachers, their pension is their most valuable financial asset by the end of their careers. For this reason, it is important to be aware of your pension plan and its provisions. This information document provides essential basic information to help you understand your plan.
The negotiations for the 2023-2028 collective agreement produced two changes regarding the RREGOP which are fully in effect as of January 1, 2025. This summary document is designed to clarify those changes and to whom they apply.
Contact: Retraite Québec 1-800-463-5533
This sequence is based on information available on the Retraite Québec website and adapted for QPAT members.
RREGOP benefits are paid on the 15th of each month.
*The 3–month timeframe is to ensure immediate payment from Retraite Québec in the first month of retirement. It is possible to decide to retire less than three months prior to your retirement, but this may lead to a delay on Retraite Québec’s part in issuing your first payment. In such a case, the pension should be retroactive to the last day of work.
Contact Retraite Québec 514-873-2433 or 1-800-463-5185
Receiving the Quebec Pension Plan (QPP) requires a separate application process from the RREGOP; each pension is administered separately by Retraite Québec. Applications for the QPP can be made online or with a hard copy form. Retraite Québec indicates that requests should be made 1 to 3 months prior to the effective date of the pension. Online requests require a Click-sécur access code. Teachers should contact Retraite Québec directly to obtain information about their file or an estimate of their QPP pension benefit.
Benefits are paid at the end of the month.
Follow the links below for details about how to apply online or to access a hard copy form.
Contact: OAS 1-800-277-9914
Most people will be contacted by Service Canada soon after their 64th birthday by letter indicating their eligibility for Old Age Security (OAS) as of age 65. Individuals who do not receive such a letter should contact Service Canada directly to enquire about their status or to fill out an application form, if necessary.
Benefits are paid at the end of the month.
Contact: QPAT 514-694-9777 or 1-800-361-9870
When you retire, you must decide whether or not to join the QPAT retiree health insurance plan held with Industrial Alliance (IA). QPAT will provide you with information regarding this plan to help you decide.
Make sure to notify QPAT of your retirement date as soon as you have submitted your letter of resignation to your board. QPAT will send you an information kit regarding the retirees’ insurance plan with IA. This kit will inform you about coverage, premiums, and the application process with the necessary forms.
Complete this form and return it to QPAT if you know you are retiring in the current school year. An insurance package will be sent to you.
If you do not join the QPAT plan with IA, you must register with the Régie de l’assurance maladie du Québec (RAMQ) for prescription medication coverage (Quebec residents). You can find more information on the RAMQ prescription program at RAMQ prescription coverage and follow the links for information that may apply to you.
Retirees who are already 65 at the time of retirement will continue with RAMQ for prescription medication coverage. Their choice is whether or not to join the QPAT plan with IA for supplemental health coverage.
There is no dental insurance coverage available to retirees through the QPAT plan with IA.
Redeemable sick leave days (moneyable sick days) are paid at retirement based on the daily rate at that time.
Under Revenue Canada’s “Retiring Allowance” provisions it is possible to have the value of these sick days transferred into a RRSP, subject to your available RRSP contribution room, to avoid immediate taxation. Your school board will provide you with forms.
If you were an employee with your board or a predecessor board prior to 1996, you may be eligible for extra RRSP contribution room. For more information on retiring allowance provisions, see Revenue Canada and retiring allowance.
The school board must pay out remaining salary owed due to the 10-month adjustment at the time of departure. The most common situation is for a teacher who retires at the end of June; they will receive the deferred salary usually paid in July and August (so-called “summer pays”) as a lump sum at the time of departure.
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