| Age bracket | McGill contributes % of basic earnings |
You contribute % of basic earnings |
QUÉBEC PENSION PLAN - QPP (2025) |
|---|---|---|---|
|
age 39 or less |
5.0% | 5.0% |
MUPP rates that apply on earnings > $81,200 after QPP stops for the year. |
|
age 40 to 49 |
7.5% | 7.0% | |
|
age 50 to 65 |
10.0% | 8.0% | |
|
age 39 or less |
3.2% |
3.2% |
MUPP rates that apply for earnings between the basic exemption ($3500) and <=$81,200 when you and the University contribute to the QPP. |
|
age 40 to 49 |
5.7% | 5.2% | |
|
age 50 to 65 |
8.2% | 6.2% | |
|
Tenure Stream Clinical |
plus 0.8% | plus 0.5% |
Learn more about how this works by watching a short video capsule.
| Defined Contribution | |||
|---|---|---|---|
Age bracket |
McGill contributes % of basic earnings less cost sharing |
You contribute % of basic earnings plus cost sharing |
QUÉBEC PENSION PLAN - QPP (2025) |
|
age 39 or less |
5.0% | 5.0% | MUPP rates that apply on earnings > $81,200 after QPP stops for the year. |
|
age 40 to 49 |
7.5% | 7.0% | |
|
age 50 to 65 |
10.0% | 8.0% | |
|
age 39 or less |
3.2% | 3.2% |
MUPP rates that apply for earnings between the basic exemption ($3500) and <=$81,200 when you and the University contribute to the QPP. |
|
age 40 to 49 |
5.7% | 5.2% | |
|
age 50 to 65 |
8.2% | 6.2% | |
| Tenure Stream Clinical | plus 0.8% | plus 0.5% | |
| Cost-Sharing | less 1.4% | plus 1.4% | |
| Defined Benefit | |||
| McGill assumes cost of going-concern plus degree of solvency | N/A | ||
Learn more about how this works by watching a short video capsule.
Members of the McGill University Pension Plan (“Plan”) who are over age 65 who continue to be employed by the University may elect make AVCs to the Plan and receive an immediate tax relief at source. It is important to note that the University does not match AVCs. For more information, please refer to the 
Additional Voluntary Contribution - Information Sheet
Additional Voluntary Contribution - Information Sheet