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Membership starting after 2004

At what age may an employee retire?

  • Starting at age 55

    Employees are eligible for retirement starting at age 55, no matter the number of hours worked.

  • Starting at age 50

Employees are eligible for retirement starting at age 50 if:

age + (hours worked divided by 1,400) = 60 or more

The table below illustrates this condition for different ages.

Employee age

Minimum hours required

Calculation

50

14,000

14,000 ÷ 1,400 = 10     10 + 50 = 60

51

12,600

12,600 ÷ 1,400 =   9    9 + 51 = 60

52

11,200

11,200 ÷ 1,400 =   8    8 + 52 = 60

53

 9,800

9,800 ÷ 1,400 =   7    7 + 53 = 60

54

 8,400

8,400 ÷ 1,400 =   6    6 + 54 = 60

No pension is payable below 50 years of age.

The pension from the Complementary Account is calculated based on the employee’s age and the value of his or her Complementary Account on the first day of the month following the date of application for retirement.

Payment of the pension is not automatic. Employees must contact the CCQ to apply for Retirement.

Payment of the pension must start no later than December 1 of the year in which the employee turns 71. If the employee has not yet applied for retirement, the CCQ will send the Application for Pension Benefit form to the employee's last known address.

Particular conditions, limitations, or exclusions other than those mentioned above may apply to the payment of certain benefits; only the Règlement sur les régimes complémentaires d'avantages sociaux dans l'industrie de la construction, published by the Éditeur officiel du Québec, has official and legal force.Nevertheless, the provisions that apply to a specific event are those in force at the time of this event. 

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