The application for Pension Benefits

What must employees do to receive their pension?

They must contact the CCQ’s Customer Services to apply for pension benefits and obtain their personalized Option Form and the accompanying documents.

Employees must contact the CCQ during the month preceding the date on which they wish to begin their retirement. For example, an employee eligible for an unreduced pension on October 1 may apply for pension benefits on any day in September.

The Option Form presents the different pension options for which employees are eligible and the corresponding amounts payable. If an employee is eligible for partial retirement, the choice of full or partial retirement will be offered. To receive their pension benefits, employees must indicate their choice on the form and return it to the CCQ before the deadline indicated. The form must be duly signed and accompanied by the documents requested.

The first payment will be made within three months following receipt by the CCQ of all the documents required. This first payment will include all payments due since the first day of the month following the date of the application.

If an employee misses the deadline, what should he do?

The form is valid for 60 days from the date of the application (90 days if the partial retirement option is offered). Employees who do not meet the deadline and still wish to retire must contact Customer Services to make a new application for pension benefits and obtain a new Option Form. The retirement date will then be the first day of the month following this new application, and the amounts payable and options offered may be different.

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.