Teachers in Quebec benefit from stable and secure retirement plans under two primary programs—the Régime de retraite des employés du gouvernement et des organismes publics (RREGOP) and the Quebec Pension Plan (QPP). While all Quebec residents contribute to the QPP, public sector employees, including teachers, contribute to the RREGOP, which provides defined pension benefits after retirement.
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If you’re an educator in Quebec, this guide covers everything you need to know about your RREGOP pension contribution rate and the Quebec Teacher Pension Payment Dates for 2025.
Quebec Teacher Pension Payment Dates 2025 (RREGOP)
Pension payments under the RREGOP are issued on the 15th of each month. If the 15th falls on a weekend or a statutory holiday, the payment is advanced to the previous business day.
Here is the full list of RREGOP pension payment dates for 2025:
- January 15, 2025 (Wednesday)
- February 14, 2025 (Friday)
- March 14, 2025 (Friday)
- April 15, 2025 (Tuesday)
- May 15, 2025 (Thursday)
- June 13, 2025 (Friday)
- July 15, 2025 (Tuesday)
- August 15, 2025 (Friday)
- September 15, 2025 (Monday)
- October 15, 2025 (Wednesday)
- November 14, 2025 (Friday)
- December 15, 2025 (Monday)
These regular deposits are vital for retired teachers, offering dependable income throughout the year to manage day-to-day living expenses.
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What Is the RREGOP Contribution Rate for 2025?
Teachers in Quebec who are members of RREGOP contribute a percentage of their salary to the plan throughout their career. For 2025, the RREGOP contribution rate is 9.09% of pensionable earnings.
This contribution goes toward building a secure pension that provides income for life upon retirement, along with potential cost-of-living adjustments and survivor benefits.
Understanding RREGOP vs. QPP
While all Quebec workers contribute to the Quebec Pension Plan (QPP), teachers also contribute to the RREGOP, which is a separate plan offering more robust retirement benefits for public sector employees. Here’s a quick breakdown:
- QPP: Covers all workers in Quebec, offers base-level retirement income
- RREGOP: Exclusive to public sector employees like teachers, provides additional defined pension income
When you retire, your RREGOP pension is calculated using a formula based on your salary and years of service, offering a reliable monthly income that’s not dependent on market fluctuations.
Final Thoughts
If you’re a teacher in Quebec, your pension under RREGOP provides a secure foundation for your retirement. By understanding your Quebec teacher pension payment dates for 2025 and staying informed about your contribution rate, you’re taking a key step toward financial peace of mind.
Have questions about how RREGOP works with QPP, or what your future pension might look like? Let me know—I’m here to help!