Québec Parental Insurance Plan

Frequently Asked Questions

General Questions

No. You choose when you wish to receive your benefits. You can therefore have your benefit payments interrupted and have them restarted later. You must, however, respect the period within which they can be paid, depending on the type of benefit.

You must agree on the time of leave with your employer. The Act respecting labour standards contains provisions governing leave for family events. For more information, see Commission des normes, de l’équité, de la santé et de la sécurité du travail (CNESST) website or contact their staff at the Service des renseignements de la CNESST at the following number: 1 844 838-0808 (toll free).

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Receiving vacation pay can result in a reduction in your benefits. This applies regardless of your worker status (wage earner or wage earner who is also self-employed) and the type of benefits you receive. You must therefore declare vacation pay.

You can declare the amounts easily through your online file. Simply select the file number and choose the “Declaration of income” tab.

Please note that everyone who receives parental insurance benefits has an online file, even if he or she filed the application by telephone and sent it in by mail.

Important

If you have made arrangements with your employer to take paid vacation days within the first 18 weeks following the birth of your child, please note that you could lose maternity benefit weeks under the Québec Parental Insurance Plan. As a rule, maternity benefit weeks cannot be paid later than the 18th week following the week of the birth. It is therefore preferable to make arrangements with your employer to schedule such paid vacation days for after your parental leave period.

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Earnings subject to contributions to the QPIP are taken into account, namely:

  • the gross weekly amount earned by a wage-earning applicant
  • net business income in the case of a self-employed worker
  • remuneration insurable for the purposes of the QPIP obtained as a family-type resource or an intermediate resource
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Yes. If you are receiving maternity benefits, each dollar earned or received is deducted from your benefit.

If you are receiving paternity benefits, parental benefits or adoption benefits, each dollar earned or received that is over 25% of your gross weekly benefit is subtracted from your benefit.

If your gross weekly benefit is less than $200, you have a right to up to $50 in income without any deduction from your benefit, but each dollar earned or received over $50 will be deducted from your benefit.

You must declare income promptly, to avoid having to reimburse overpayments.

If you earn or receive income such as those listed above during your benefit period, it could be more advantageous for you to have your next benefit payment suspended. For information about this, please contact the Centre de service à la clientèle.

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Depending on your worker status, a number of factors determine the date you can apply for benefits:

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Maternity benefits are exclusively for the mother. They cannot be shared between the parents.

As for parental leave, the total number of parental benefit weeks can be taken by either parent or shared between them as they see fit. In addition, parents can take the weeks simultaneously or in succession.

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No. The choice of benefit plan is determined by the first of the two parents to receive benefits. This decision binds the other parent, even in cases of shared custody. The choice of plan is irrevocable and applies for the full duration of the benefit period.

For example, if the first parent chooses the basic plan for maternity benefits, the basic plan will also apply for the paternity and parental benefits.

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No. The stoppage in earnings can be due to a reason other than the birth or adoption of a child. For example, a person could have been laid off due to lack of work in December 2007, yet file an application for benefits in April 2008 for the birth of a child.

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You must provide your employer with the Benefit Calculation Report (PDF, 203 KB) that we sent you. Your employer will use the Benefit Calculation Report to determine the amount of the supplemental indemnity he or she must pay to you. (Employer information in French only.)

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Commission des normes, de l’équité, de la santé et de la sécurité du travail

You may file your application as of the fourth week preceding the expected week of delivery. The CNESST will stop paying you indemnities as of that date if you are eligible for the Québec Parental Insurance Plan (QPIP).

Precautionary program Pour une maternité sans danger (French only).

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Once your physician confirms that you are capable of working but that the working conditions pose risks to the child you are nursing, you may be eligible for CNESST indemnities. You will then have the option of suspending your QPIP benefits to receive the CNESST indemnities.

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Self-employed workers

Yes. Wage earners, self-employed workers and employers must all contribute to the Québec Parental Insurance Plan.

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If your benefit period begins Sunday, January 4, 2009, or later, the insurable earnings taken into consideration are those for 2009: your net business income (profit or loss) and your employment income (salary), as the case may be, for 2009.

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If your benefit period begins Sunday, January 6, 2008, or later, your insurable earnings from 2007 are taken into consideration whether it is your net business income (profit or loss) and your employment income (salary).

If your benefit period begins on a Sunday in 2007 (including December 31, 2007), your insurable earnings for 2006 are taken into consideration whether it is your net business income (profit or loss) and your employment income (salary).

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If your benefit period begins Sunday, January 6, 2008, or later, the insurable earnings taken into consideration are those for 2007: your net business income (profit or loss) and your employment income (salary), as the case may be, for 2007.

If your benefit period begins on a Sunday in 2007 (including December 31, 2007[J1]), your insurable earnings for 2006 are taken into consideration whether it is your net business income (profit or loss) and your employment income (salary).

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Farm workers

A person wishing to receive benefits under the QPIP must be eligible. The Plan does not provide for a guaranteed minimum income, but is rather a financial support for low-income families. If net family income (for the reference year) is less than $25,921, you may be granted an increase in benefits.

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If you declare to Revenu Québec net income from a farming business, whether as a sole proprietor or as part of a partnership operating a farming business, the Plan considers you to be a self-employed worker.

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Wage earners, self-employed workers and employers must all contribute to the QPIP.

Wage earner's contribution
A wage earner in a farming business must pay contributions to the QPIP in the capacity of employee. The employer deducts this contribution at source. It is calculated on the basis of his or her salary.

Employer’s contribution
The owner of a farming business with employees must deduct QPIP contributions at source from the wages paid to the employees and must also base his or her own employer contribution on the employees' salaries.

Self-employed worker's contribution
A self-employed worker must pay into the QPIP when preparing his or her Québec income tax return. The contribution is based on net business income (income from self-employed worker activities). Workers required to pay tax instalments must also make instalments to the QPIP.

For more information on the QPIP contribution, please visit the Revenu Québec website.

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No. If you have neither a business income nor a salary from the farm or from some outside employment, you are not entitled to QPIP benefits. Since it is an income replacement plan, you have to have declared income to be eligible for it.

Your spouse, however, may be eligible for paternity, parental or adoption benefits, as the case may be.

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Pay equity

By telephone:
Call the QPIP's Centre de service à la clientèle, at the following numbers:

  • Throughout North America, toll-free: 1 888 610-7727
  • Overseas: 1-418-643-7246 (Charges apply)

By Internet:
Access your file online and change it: declare the amount under “Other income” in the “Income type” column, specifying that it is pay equity. This income must be declared for the week it was received.

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Generally, yes, if you received your retroactive pay increase (pay equity) in the 26 weeks preceding your parental insurance benefit period.

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No. The amount of your parental insurance benefits will not be reduced for the week you received the retroactive pay increase. However, you must declare this income, at the latest, by the Saturday of the week in which you receive it.

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Yes, if you are currently receiving parental insurance benefits.

To request a re-evaluation of your parental insurance benefit amount, first send us an amended Record of Employment. A pay statement or T4 slip, for example, cannot replace a Record of Employment.

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Closely spaced pregnancies or adoptions

Given the particularities surrounding closely spaced pregnancies or adoptions, we invite you to contact the Centre de service à la clientèle for more information.

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Given the particularities surrounding closely spaced pregnancies or adoptions, we invite you to contact the Centre de service à la clientèle for more information.

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