Quebec Community Group Pension Plan

The Community and Women’s Groups Member Funded Pension Plan is a collective tool for improving salaried community workers’ income security upon retirement and, consequently, enhancing the sustainability of group action.

Who can become a member of the Pension Plan?

The Plan is open to community and women’s groups across Québec, including social economy and cultural-sector groups. The pension committee approves the participation in the Plan of each eligible group, based on a set of predetermined criteria.

What are the advantages of participating in the Pension Plan?

• Members are assured of a decent, lifelong retirement income.
• Joining the Plan is a wise decision, seeing that unlike RRSP income, the Plan benefits are guaranteed.
• The Plan administration is aligned with values emphasizing respect for democracy and people’s rights. Plan investments are aimed at generating the necessary returns to pay the promised pension benefits, while complying as closely as closely as possible with the community sector’s social, environmental and governance values.
• The Plan is flexible. Each participating organization sets its total contribution rate (between 2% and 18% of salary). The rate can be raised or lowered on a annual basis.

Participating in the Plan also allows you to help improve the working conditions of people in the community sector and, by extension, facilitate employee recruiting and retention.