Quebec Death Benefits – Retraite Québec Financial Support | Online Funeral Services

Quebec Death Benefits 

 Financial Support for Bereaved Families​ ​

Retraite Québec

One-Time Death Benefit​

If the deceased contributed sufficiently to the QPP, their family may receive a one-time death benefit of up to $2,500. This amount is typically paid to the person who covered the funeral expenses, within 60 days of the death. After this period, it may be paid to any legal heir or estate representative who applies.
  • Applications must be submitted within 5 years of the date of death.
  • The benefit is taxable and will generate a tax slip in the name of the estate.
  • Proof of death is not required if the person passed away in Quebec, as the civil registry automatically informs Retraite Québec.

​Survivor’s Pension for the Spouse​

A surviving spouse may be eligible for a monthly survivor’s pension based on the deceased's contributions to the QPP. Eligibility depends on legal status (married, civil union, or common-law) and duration of the relationship.
Key Details:
  • Payments start the month after the death.
  • The pension is taxable and indexed annually.
  • Applications should be submitted promptly, though retroactive payments are limited to 12 months.
  • Factors affecting the amount:
    • Deceased’s contribution record
    • Applicant’s age
    • Whether dependent children are involved
    • Disability status
    • Whether the survivor already receives retirement or disability benefits under the QPP or CPP

Orphan’s Pension​

Children under 18 may be eligible for the orphan’s pension if their deceased parent contributed to the QPP.
Eligible children include:
  • Biological or legally adopted children
  • Children who lived with the deceased for at least one year and were treated as their own
Payments:
  • Start the month following the death
  • Are taxable and declared under the child’s income
  • Indexed annually
  • Limited to 12 months of retroactive payments
Important Note
These benefits can make a significant difference for grieving families, offering vital financial stability in a challenging time. We encourage families to consult with Retraite Québec or reach out to us for assistance with applications.

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