{"id":1171282,"date":"2020-06-04T13:40:03","date_gmt":"2020-06-04T17:40:03","guid":{"rendered":""},"modified":"2024-01-16T11:27:55","modified_gmt":"2024-01-16T16:27:55","slug":"je-veux-prendre-ma-retraite-ai-je-droit-aux-prestations-du-regime-de","status":"publish","type":"questions","link":"https:\/\/stepstojustice.ca\/fr\/questions\/income-assistance\/je-veux-prendre-ma-retraite-ai-je-droit-aux-prestations-du-regime-de\/","title":{"rendered":"Je veux prendre ma retraite. Ai-je droit aux prestations du R\u00e9gime de pensions du Canada?"},"content":{"rendered":"<p>Vous pourriez avoir droit \u00e0 des prestations de retraite du R\u00e9gime de pensions du Canada (RPC) si\u00a0:<\/p>\n<ul>\n<li>vous avez travaill\u00e9 au Canada;<\/li>\n<li>vous avez cotis\u00e9 au RPC durant cette p\u00e9riode.<\/li>\n<\/ul>\n<p>C&#8217;est le gouvernement f\u00e9d\u00e9ral qui g\u00e8re le RPC, un programme ouvert \u00e0 tous les Canadiens, sauf aux Qu\u00e9b\u00e9cois. Au Qu\u00e9bec, les travailleurs cotisent au <a class=\"links-link ext\" href=\"\/fr\/resource\/le-r-gime-de-rentes-du-qu-bec\/\" target=\"_blank\" rel=\"noopener\">R\u00e9gime des rentes<\/a>, dont les r\u00e8gles diff\u00e8rent du RPC.<\/p>\n<p>La plupart des gens commencent \u00e0 recevoir leurs prestations de retraite du RPC \u00e0 65\u00a0ans. Mais vous pouvez toucher\u00a0:<\/p>\n<ul>\n<li>une pension r\u00e9duite \u00e0 partir de 60\u00a0ans, ce qui veut dire que vos prestations mensuelles seront moins \u00e9lev\u00e9es; ou<\/li>\n<li>un montant plus \u00e9lev\u00e9 si vous attendez \u00e0 70\u00a0ans, ce qui signifie que vos prestations mensuelles seront plus \u00e9lev\u00e9es.<\/li>\n<\/ul>\n<p>Vous devez pr\u00e9senter une demande dans les 12\u00a0mois pr\u00e9c\u00e9dant le moment o\u00f9 vous pr\u00e9voyez commencer \u00e0 recevoir vos prestations.<\/p>\n<h3>Cotisations au RPC<\/h3>\n<p>En g\u00e9n\u00e9ral, lorsque vous travaillez au Canada, sauf au Qu\u00e9bec, et que vous gagnez plus de 3\u00a0500\u00a0$ par ann\u00e9e, vous devez cotiser au RPC. Vos cotisations vous serviront plus tard, lorsque vous prendrez votre retraite.<\/p>\n<p>Si vous <strong>avez un employeur<\/strong>, celui-ci paie la moiti\u00e9 de vos cotisations; le reste est normalement pr\u00e9lev\u00e9 directement sur votre salaire.<\/p>\n<p>Si vous \u00eates <strong>travailleur autonome<\/strong>, c&#8217;est vous qui payez la totalit\u00e9 des cotisations.<\/p>\n<p>Le montant de celles-ci d\u00e9pend de vos \u00ab\u00a0gains admissibles\u00a0\u00bb, c&#8217;est-\u00e0-dire la partie de votre revenu annuel qui se situe entre un minimum et un maximum d\u00e9termin\u00e9s. Le revenu minimal est 3\u00a0500\u00a0$, et le <a class=\"links-link ext\" href=\"\/fr\/resource\/taux-de-cotisations-au-rpc-les-maximums-et-les-exemptions\/\" target=\"_blank\" rel=\"noopener\">gouvernement fixe le revenu maximal chaque ann\u00e9e en janvier<\/a> en fonction de la hausse du salaire moyen au Canada.<\/p>\n<p>Par exemple, en 2024, les gains admissibles maximaux s&#8217;\u00e9tablissent \u00e0 68 500 $.<\/p>\n<p>Vos cotisations au RPC correspondent \u00e0 un pourcentage de vos gains admissibles. Par exemple, en 2024, un employ\u00e9 et son employeur doivent tous deux cotiser \u00e0 hauteur de 5,95 % des gains admissibles du travailleur.<\/p>\n<p>Parfois, l&#8217;argent que vous gagnez en travaillant \u00e0 l&#8217;<strong>ext\u00e9rieur du Canada<\/strong> compte pour vos prestations de retraite du RPC. Cela se produit si le Canada a un <a class=\"links-link ext\" href=\"\/fr\/resource\/personnes-ayant-v-cu-ou-vivant-l-tranger-pensions-et-prestations\/\" target=\"_blank\" rel=\"noopener\">accord de s\u00e9curit\u00e9 sociale<\/a> avec le pays o\u00f9 vous avez travaill\u00e9.<\/p>\n<p>Le Canada a conclu un accord de s\u00e9curit\u00e9 sociale avec 50 pays. Ces accords coordonnent les pensions gouvernementales pour les personnes qui vivaient ou travaillaient dans les deux pays.<\/p>\n<p>Si vous \u00eates membre des <strong>Premi\u00e8res Nations<\/strong>, l\u2019argent que vous gagnez en travaillant dans une r\u00e9serve <a class=\"links-link ext\" href=\"\/fr\/resource\/travailleurs-indiens-et-le-r-gime-de-pensions-du-canada\/\" target=\"_blank\" rel=\"noopener\">peut \u00e9galement compter dans vos prestations de retraite du RPC<\/a>.<\/p>\n<h3>Hausse des cotisations au RPC<\/h3>\n<p>En 2019, le gouvernement a apport\u00e9 des changements qui permettront d&#8217;augmenter graduellement les prestations du RPC. Donc entre 2019 et 2025, vous devrez cotiser davantage; en contrepartie, vos prestations seront plus \u00e9lev\u00e9es lorsque vous commencerez \u00e0 les recevoir.<\/p>\n<p>Ces changements, qu&#8217;on appelle la \u00ab\u00a0<a class=\"links-link ext\" href=\"\/fr\/resource\/bonification-du-r-gime-de-pensions-du-canada\/\" target=\"_blank\" rel=\"noopener\">bonification du RPC<\/a>\u00a0\u00bb, ne toucheront que les personnes qui travaillaient et cotisaient au RPC en 2019 et apr\u00e8s.<\/p>\n<h3>Autres prestations pour les personnes \u00e2g\u00e9es<\/h3>\n<p>Vous pourriez obtenir <a href=\"\/fr\/questions\/income-assistance\/a-part-la-securite-de-la-vieillesse-quels-sont-les-autres-types-de\/\">d&#8217;autres prestations gouvernementales si vous avez plus de 65\u00a0ans<\/a>, dont la pension de la S\u00e9curit\u00e9 de la vieillesse, le Suppl\u00e9ment de revenu garanti ou l&#8217;Allocation.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":3,"featured_media":0,"template":"","legal-topic":[42151,42427,45003],"class_list":["post-1171282","questions","type-questions","status-publish","hentry","legal-topic-income-assistance","legal-topic-canada-pension-plan","legal-topic-eligibility-3"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Je veux prendre ma retraite. 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