{"id":10515,"date":"2025-04-27T15:26:40","date_gmt":"2025-04-27T19:26:40","guid":{"rendered":"https:\/\/www.fiqsante.qc.ca\/pratico-pratique-temps-supplementaire-et-retraite\/"},"modified":"2025-11-06T11:37:41","modified_gmt":"2025-11-06T16:37:41","slug":"pratico-pratique-temps-supplementaire-et-retraite","status":"publish","type":"post","link":"https:\/\/www.fiqsante.qc.ca\/en\/pratico-pratique-temps-supplementaire-et-retraite\/","title":{"rendered":"Practical information: overtime and retirement\u202f"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text css=””]<\/p>\n

Practical information: overtime and retirement<\/h1>\n

The Act respecting the Government and Public Employees Retirement Plan (RREGOP)<\/em> stipulates that only base salary is eligible for the calculation of the retirement pension. Overtime is not taken into account, even for a healthcare professional working overtime at a single rate for less than 40 hours a week.<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=””]<\/p>\n

Why isn’t overtime eligible?<\/h4>\n

RREGOP uses the average salary of an employee\u2019s best five years to calculate their pension. By including overtime, which can vary from year to year, the calculation of the pension could be inequitable between plan members. So, a healthcare professional could work more or less overtime during her best five years and get a higher or lower pension than what she contributed during her career.<\/p>\n

[\/vc_column_text][vc_column_text css=””]<\/p>\n

How is the base salary calculated?<\/h4>\n

For a healthcare professional with a regular 37.5-hour workweek and whose hourly rate is $40, the annual base salary is:<\/p>\n

37.5 h x $40 x 52 weeks = $78,000<\/p>\n

This is the base salary used to calculate the amount of the pension, nothing else.[\/vc_column_text][vc_column_text css=””]<\/p>\n

A tip<\/h4>\n

Save a portion of your gross income above your base salary in retirement savings, for example with your financial institution or with the Fonds de solidarit\u00e9 FTQ, to balance your income throughout your life.<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text css=”.vc_custom_1762447006598{border-top-width: 20px !important;padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 20px !important;padding-left: 10px !important;background-color: #EAEAEA !important;border-top-style: solid !important;border-radius: 20px !important;border-color: #009FE3 !important;}”]<\/p>\n

1973<\/h3>\n

Following the provincial negotiations, the creation of RREGOP guaranteed a life-long pension for employees of the government and eligible public organizations.[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text css=”.vc_custom_1762447012350{border-top-width: 20px !important;padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 20px !important;padding-left: 10px !important;background-color: #EAEAEA !important;border-top-style: solid !important;border-radius: 20px !important;border-color: #009FE3 !important;}”]<\/p>\n

1987<\/h3>\n

Union battles made it possible to include occasional employees in RREGOP.<\/p>\n

[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_column_text css=”.vc_custom_1762447039677{border-top-width: 20px !important;padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 20px !important;padding-left: 10px !important;background-color: #EAEAEA !important;border-top-style: solid !important;border-radius: 20px !important;border-color: #009FE3 !important;}”]<\/p>\n

RREGOP is in good financial standing.<\/h3>\n

The schedule increase for all healthcare professionals to 37.5 hours in 2021 and the cumulative salary increases are beneficial for retirement.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

The Act respecting the Government and Public Employees Retirement Plan (RREGOP) stipulates that only base salary is eligible for the calculation of the retirement pension. 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