When an employee begins collecting Québec Pension Plan disability benefits, what happens to the employee's Québec Pension Plan contributions?

• A. The employee's contribution to the Québec Pension Plan will stop the first pay of the month following the month in which the employee is deemed to be disabled
• B. Contributions continue at the same rate
• C. Contributions decrease by half
• D. Contributions are redirected to disability benefits

Answer: (A)

When you begin collecting Québec Pension Plan disability benefits, your contributions stop because the disability benefit replaces part of your earnings and you’re no longer contributing to the plan on those wages. The rule is that the employee’s contribution ends starting with the first pay period of the month after you’re deemed disabled, so contributions cease promptly as you enter disability status. This aligns with how QPP is funded: once disability benefits are in place, there’s no ongoing earnings to base contributions on. The other options don’t fit this mechanism, since contributions aren’t continued at the same rate, aren’t halved, and aren’t redirected to the disability benefit.