Québec Parental Insurance Plan

Declaring Income While You Are Receving Benefits

If you have income during your benefit period, you must declare it without delay!

All income earned or received while you are receiving benefits must be declared without delay, as it could affect the amount of your benefits.

If you are receiving parental insurance benefits, some of your income could reduce the amount of your benefits. You have the right to earn a set amount without any reduction in your benefits. To determine the amount of income you can to earn without affecting the amount of your benefits, calculate the difference between your average weekly earnings and the benefit amount.

Example 1:

Your child is born on January 11, 2021.

Your average weekly insurable earnings are $1,000.

For the period from January 10 to February 13, 2021, you receive $700 per week in paternity benefits, or 70% of your average weekly insurable earnings of $1,000.

For the week of January 24 to 30, 2021, your gross employment income is $450.

For the same week, you will receive a gross parental benefit amount of $550, calculated as follows:

  • $1,000 - $700 = $300 (amount of income you are allowed to earn without any reduction in your weekly benefit amount)
  • $450 - $300 = $150 (amount of income over the amount you were allowed to earn without any reduction in your benefit amount)
  • $700 - $150 = $550 (benefit amount after the amount of income over the amount you are allowed to earn has been deducted)

Example 2:

Your child is born on January 11, 2021.

Your average weekly insurable earnings are $1,000.

For the period from April 4 to September 25, 2021, you receive a gross parental benefit amount of $550 per week, that is, 25 weeks at a rate of 55% of your average weekly insurable earnings of $1,000. For the week of July 4 to 10, 2021, your gross employment income is $600.

For the same week, you will receive a gross parental benefit amount of $300, calculated as follows:

  • $1,000 - $550 = $450 (amount of income you are allowed to earn without any reduction in your weekly benefit amount)
  • $600 - $450 = $150 (amount of income over the amount you were allowed to earn without any reduction in your benefit amount)
  • $550 - $150 = $300 (benefit amount after the amount of income over the amount you are allowed to earn has been deducted)

Income that may affect your benefit amount includes:

  • Employment income, such as wages, amounts paid for days off (including vacation pay, statutory holidays and sick days), performance bonuses, etc.
  • Income replacement indemnities from the Société de l’assurance automobile du Québec, the Commission des normes, de l’équité, de la santé et de la sécurité du travail, an insurance company, etc.
  • Income from self-employment

To avoid having to reimburse any overpayments, be sure to declare all of your income without delay.

Declaring Income

Changing the Distribution of Your Weeks of Benefits

Please note that if you earn or receive income while you are receiving benefits, it could be more advantageous for you to change the distribution of your benefit weeks if your income reduces the amount of benefits granted to you.

You can change your benefit weeks by accessing your online file and clicking on the “Benefits” tab or by contacting the Centre de service à la clientèle.

Last update: December 23, 2020