What happens when you delay QPP?
Waiting just a few years to begin collecting your Québec pension can mean a much higher monthly payment. It can also impact how much you will have collected by the time you turn 90.
RETIREMENT
IMAGE: VERONICA PARK
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Disclaimer
If QPP is taken at age 60 which is five years before the standard retirement age of 65, total income is reduced by 36%. If QPP is taken at age 72, seven years after the standard retirement age of 65, total income increases by 58.8%. For illustrative purposes, 'Maximum Monthly Payment' figures do not reflect any increase to your QPP benefit due to indexing. For the purposes of calculating 'Total Collected at Age 90', we assume QPP is indexed by 2%, based on full annual payment up to and including age 90. The actual rate is adjusted annually. The calculation of the cumulative pension amount assumes no reinvestment. All figures are rounded and represent the maximum allowed QPP income but do not reflect the average benefit received. To find out what your payments could be, click Calculation of your retirement pension under the Québec Pension Plan.
Source: The Quebec Pension Plan, URL accessed September 19, 2025. https://www.rrq.gouv.qc.ca/en/programmes/regime_rentes/Pages/regime_rentes.aspx
MAXIMUM MONTHLY PAYMENT
TOTAL COLLECTED AT AGE 90
$917
$466K
$1,433
$639K
$2,276
$791K
september 2025