Simulation of Partition of QPP Contributions
When spouses divorce, they are entitled to the partition of the contributions they have made to the Quebec Pension Plan for the period they were married and cohabiting. This partition has a direct impact on the government benefits to which you will be entitled to receive upon retirement. The greatest benefit is to the stay-at-home spouse who would otherwise have no sums credited to his or her name for retirement; the least impact is in relationship where both spouses work full-time and have already have made maximum contributions to the QPP.
Renunciation to the partition of QPP contributions must be expressly stated in an agreement (i.e. opting out must be a clear choice), and the Court will only accept this is if the spouses know the impact of the renunciation.
For the year 2011, maximum pensionable earnings for a person working in Québec is $ 48,300 per annum, in which case the QPP contribution is $ 2,217.60.
To know precisely what the impact will be of the partition of QPP contributions, you must apply for a simulation of partition. The form below will open in your brower, and you may fill it out on-line. Then print it out and mail it to: Régie des rentes du Québec, C.P. 5200, Québec, Québec, G1K 7S9. You will eventually receive a report explaining how you and your spouse will be affected by the partition!
You can consult the Act Respecting the Québec Pension Plan, R.S.Q., c.R-9 directly!
