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Provincial Program · Quebec

Quebec Pension Plan Disability Benefit

QPP-D

Quebec's disability pension for people who stop working or whose earnings drop considerably because of their health. In 2026 it is made up of a flat $610.43 a month for all beneficiaries plus an amount based on your earnings, to a maximum of $1,737.67 a month, indexed each January. It is taxable.

Last reviewed: November 2026

Useful Tips for Applying

Work adapted to your limitations means you are not considered severely disabled, and earning $1,882 or more gross a month in 2026 also disqualifies you. A private insurer's decision does not entitle you to the QPP pension, and temporary disability is not covered. Traffic accidents go through SAAQ and work injuries through CNESST. Between 60 and 65 you receive the $610.43 disability component plus a QPP retirement pension. Check your Statement of Participation in My Account to see whether you have enough contributions, and request source deductions if you do not want a tax bill at filing.

Who May Qualify

You may apply if you stopped working or your earnings dropped considerably, you earn less than $1,882 gross a month in 2026, and you are under 66. To be accepted you must be deemed disabled by Retraite Québec's medical advisors before age 65, with a severe condition preventing any full-time work that is permanent and of indefinite duration; have contributed sufficiently to the QPP (for example two of the last three years, or five of the last 10); not be entitled to an unreduced CNESST income replacement indemnity; and not be receiving a CPP retirement pension. Between 60 and 65 you may also qualify if your health prevents you from doing your usual work or requires reduced hours for at least three months.

Required Documents

- Medical report(s) documenting your disability. - Employment history and records. - Financial information regarding your income and earnings. - Completed application form provided by Retraite Québec.

How to Apply

1. Verify your eligibility and contribution status via your Statement of Participation in your Retraite Québec 'My Account'. 2. Obtain the application form from the Retraite Québec website or by calling 1-800-463-5185. 3. Have your physician complete the required medical documentation. 4. Submit the completed application and supporting documents to Retraite Québec by mail or online. 5. Await review by Retraite Québec's medical advisors, who will determine if your condition meets the criteria for a severe and permanent disability.

Common Mistakes to Avoid

• Applying to CPP-D (federal) instead of QPP-D — Quebec workers must apply to QPP-D through Retraite Québec • Not having adequate medical documentation of a 'severe and permanent' condition • Exceeding the employment income threshold ($1,882 gross per month in 2026) without notifying Retraite Québec • Not appealing a denial — if you believe the decision is wrong, you can ask for a review. Check the deadline in your decision letter.

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