{"id":14919,"date":"2023-03-20T09:54:40","date_gmt":"2023-03-20T13:54:40","guid":{"rendered":"https:\/\/csdconstruction.qc.ca\/member\/group-benefits\/regime-de-retraite\/"},"modified":"2023-05-03T11:49:33","modified_gmt":"2023-05-03T15:49:33","slug":"retirement-plan","status":"publish","type":"page","link":"https:\/\/csdconstruction.qc.ca\/en\/member\/group-benefits\/retirement-plan\/","title":{"rendered":"Retirement plan"},"content":{"rendered":"\n<div class=\"wp-block-group section-top\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"font-style:normal;font-weight:300;text-transform:uppercase\">Retirement plan<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-transform:uppercase\">An easy way to save for retirement<\/h3>\n\n\n\n<p>As soon as you start working on a construction site, no matter your employee status, you&#8217;re eligible for the construction industry retirement plan. Your contribution amount is set by your <a href=\"https:\/\/csdconstruction.qc.ca\/en\/construction-industry\/collective-agreements-rates-and-salaries\/\" data-type=\"page\" data-id=\"14714\">collective agreement<\/a>. It&#8217;s the Commission de la construction du Qu\u00e9bec (CCQ) that administers the retirement plan&#8217;s funds.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Are you planning your retirement?<\/h4>\n\n\n\n<p>Many factors must be analyzed when establishing the retirement age: your age, the total number of hours worked, and the number of years you&#8217;ve participated in the retirement plan.<\/p>\n\n\n\n<p><strong>Eligibility of a worker who starting contributing to the retirement plan prior to 2005<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When you turn 65 you&#8217;re eligible for retirement with no conditions<\/li>\n\n\n\n<li>At age 55 you&#8217;re eligible for early retirement without reduction or early retirement with reduction<\/li>\n\n\n\n<li>At age 50 you&#8217;re eligible for early retirement with reduction or disability retirement if you have a recognized total disability.<\/li>\n<\/ul>\n\n\n\n<p>CSD Construction reminds you that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retirement benefit payments cannot start before age 50.<\/li>\n\n\n\n<li>When you retire, you need to get in touch with the CCQ to request the <a href=\"https:\/\/www.ccq.org\/fr-CA\/avantages-sociaux\/retraite\/demande-prestation\">benefits application form<\/a>.<\/li>\n\n\n\n<li>Retirement is mandatory at age 70.<\/li>\n<\/ul>\n\n\n\n<p><strong>Eligibility of a worker who started contributing to the retirement plan after 2004<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>At age 55, you&#8217;re eligible for retirement, no matter how many hours you worked<\/li>\n\n\n\n<li>At age 50, you&#8217;re eligible for retirement if your age + hours worked divided by 1,400 = 60 or higher.<\/li>\n<\/ul>\n\n\n\n<p>CSD Construction reminds you that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Retirement benefit payments cannot start before age 50.<\/li>\n\n\n\n<li>The pension from the complementary account is calculated based on age and the value of the complementary account at the time of retirement.<\/li>\n\n\n\n<li>When you retire, you need to get in touch with the CCQ to request the <a href=\"https:\/\/www.ccq.org\/fr-CA\/avantages-sociaux\/retraite\/demande-prestation\">benefits application form<\/a>;<\/li>\n\n\n\n<li>Retirement is mandatory at age 70.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-transform:uppercase\">Plan your retirement with a CSD Construction advisor<\/h3>\n\n\n\n<p>CSD Construction offers exclusive retirement planning services. Our advisory staff analyse your annual retirement statement to calculate the benefit amount you&#8217;ll be entitled to based on the number of hours you&#8217;ve worked and how much you&#8217;ve contributed.<\/p>\n\n\n\n<p><a href=\"https:\/\/csdconstruction.qc.ca\/en\/contact\/\" data-type=\"page\" data-id=\"14972\">Get in touch with our advisors<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group cta-block has-black-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"has-text-align-center has-beige-color has-text-color wp-block-heading\">Get in touch with us<\/h3>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button btn-full\"><a class=\"wp-block-button__link has-green-background-color has-background wp-element-button\" href=\"\/en\/contact\/\" style=\"border-radius:0px\">Contact us<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Retirement plan An easy way to save for retirement As soon as you start working on a construction site, no matter your employee status, you&#8217;re eligible for the construction industry retirement plan. Your contribution amount is set by your collective agreement. It&#8217;s the Commission de la construction du Qu\u00e9bec (CCQ) that administers the retirement plan&#8217;s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":14915,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-14919","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/csdconstruction.qc.ca\/en\/wp-json\/wp\/v2\/pages\/14919","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/csdconstruction.qc.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/csdconstruction.qc.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/csdconstruction.qc.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/csdconstruction.qc.ca\/en\/wp-json\/wp\/v2\/comments?post=14919"}],"version-history":[{"count":3,"href":"https:\/\/csdconstruction.qc.ca\/en\/wp-json\/wp\/v2\/pages\/14919\/revisions"}],"predecessor-version":[{"id":15239,"href":"https:\/\/csdconstruction.qc.ca\/en\/wp-json\/wp\/v2\/pages\/14919\/revisions\/15239"}],"up":[{"embeddable":true,"href":"https:\/\/csdconstruction.qc.ca\/en\/wp-json\/wp\/v2\/pages\/14915"}],"wp:attachment":[{"href":"https:\/\/csdconstruction.qc.ca\/en\/wp-json\/wp\/v2\/media?parent=14919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}