Financial assistance — before birth

Québec Parental Insurance Plan

Services Québec

The Québec Parental Insurance Plan (QPIP) pays benefits to all eligible wage earners and self‑employed workers who take maternity, paternity, parental or adoption leave. Since this is an income replacement plan, you must have earned income from employment or a business in order to be eligible.

QPIP benefits equal up to 75% of your average weekly earnings calculated on the basis of your maximum insurable earnings, which cannot exceed the maximum insurable earnings in effect on the date when benefits begin.

To find out the maximum insurable earnings currently considered in calculating benefits, or to learn more about the QPIP, visit the QPIP website at www.rqap.gouv.qc.ca.

Eligibility conditions

To be eligible for the QPIP, you must:

  • be a resident of Québec on the start date of the benefit period
  • have paid or be required to pay premiums under the QPIP during the qualifying period, that is, the period during which your insurable earnings are considered in calculating your benefits
  • have minimum insurable earnings of $2,000 during the qualifying period

If you are a wage earner, you must also:

  • have stopped working or seen a reduction of at least 40% in your usual weekly employment income (wages).

If you are a self-employed worker, you must also:

  • have resided in Québec on December 31 of the year preceding the beginning of the benefit period
  • have ceased your business activities or reduced the time spent on them by at least 40%

If you are a wage earner as well as a self-employed worker, you must also:

  • have resided in Québec on December 31 of the year preceding the beginning of the benefit period
  • have ceased your business activities or reduced the time spent on them by at least 40% and have stopped working or seen a reduction of at least 40% in your usual weekly earnings

Types of benefits

Four types of benefits are available under the QPIP:

  • maternity benefits for the mother
  • paternity benefits for the father only
  • parental benefits, which can be received by either parent or shared between the parents
  • adoption benefits, which can be received by either parent or shared between the parents

You must choose between two options: the basic plan, which pays lower benefits over a longer period, or the special plan, which pays higher benefits over a shorter period.

The first parent to receive benefits chooses the plan. For more information on the terms and conditions applicable to the choice of plan, or to learn more about the QPIP, visit the QPIP website at rqap.gouv.qc.ca.

The following table indicates the maximum number of benefit weeks and the percentage of average weekly income for each type of benefit under each plan.

Types of benefits

Basic plan

Maximum number of benefit weeks

Basic plan

Percentage of average weekly income

Special plan

Maximum number of benefit weeks

Special plan

Percentage of average weekly income

Maternity

18

70%

15

75%

Paternity

5

70%

3

75%

Parental

7
25
(7 + 25 = 32)

70%
55%
 

25

75%

Adoption

12
25
(12 + 25 = 37)

70%
55%
 

28

75%

How to apply

You have the option of completing an application for benefits on the QPIP website rqap.gouv.qc.ca, or with the help of a QPIP customer service agent by calling 1-888-610-7727.

For more information, visit the QPIP website or call the customer service number.

Special pregnancy benefit

Ministère du Travail, de l’Emploi et de la Solidarité sociale

If you are pregnant and receive benefits under the Social Assistance or Social Solidarity programs or Aim for Employment Program, you are eligible for a special pregnancy benefit of $55 per month in addition to your monthly financial assistance.

This special benefit, which is paid each month until you give birth, is designed to help you buy healthy food during your pregnancy.

To receive the special pregnancy benefit, you must, as soon as possible, provide your local employment centre (CLE) or to a Services Québec office with a written attestation signed by a physician, a midwife, or a clinical nurse, certifying that you are pregnant and indicating the number of weeks of pregnancy and the expected date of delivery.

You are also eligible for this special benefit if you have a dependent child who is pregnant and you receive benefits under the Social Assistance or Social Solidarity programs or Aim for Employment Program.

Tax credit for the treatment of infertility

Revenu Québec

A refundable tax credit is an amount that may be granted to you even if you have no income tax payable. As a rule, the amount of the tax credit is determined on the basis of your annual income tax return.

You may be able to claim the refundable tax credit for the treatment of infertility if you incurred expenses for in vitro fertilization treatments. Certain conditions apply. This tax credit is equal to a percentage of eligible expenses paid by you or your spouse during the year. The percentage varies according to family income. Eligible expenses are limited to $20,000.

To claim this tax credit, you must enclose the duly completed Tax Credit for the Treatment of Infertility form with your Québec income tax return.

You may also receive advance payment of the tax credit for treatment of infertility if you meet certain conditions.

To apply for advance payment of your tax credit, you must send the duly completed Tax Credit for the Treatment of Infertility: Application for an Advance Payment form to Revenu Québec, along with the required documents.

For more information, contact Revenu Québec.

Online
revenuquebec.ca

By telephone
Québec area: 418-659-6299
Montréal area: 514-864-6299
Elsewhere in Québec: 1-800-267-6299

TTY (Teletypewriter)
Montréal area: 514-873-4455
Elsewhere in Québec: 1-800-361-3795

Student financial assistance

Ministère de l’Éducation et de l’Enseignement supérieur

Under the Loans and Bursaries Program, various measures have been put in place to help balance studies and family obligations. For example, as soon as a mother is 20 weeks pregnant, living expenses for a child are recognized when assessing the amount that could be awarded to her.

If you are a part-time student and have parental responsibilities, you could be eligible for the Loans and Bursaries Program, usually reserved for full-time students.

If you interrupt your studies because of a pregnancy or following a birth or an adoption, you may be temporarily exempted from repaying your student loans.

To find out more on the subject, you can contact Aide financière aux études or consult its website.

Online
www.afe.gouv.qc.ca

By telephone
Québec area: 418-643-3750
Montréal area: 514-864-3557
Elsewhere in Québec: 1-877-643-3750