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Caisse Desjardins Hydro

Retirement planning program

Hydro-Québec's retirement planning program is open to employees who are 50 or older upon registration. The program tells participants and their spouses more about the company pension plan, the financial means they'll have when they retire and the steps they'll have to take.

From September 2016 to December 2018, more than 2,047 plan members participated in the program. Since 2019, the program has also covered the psychological and social aspects of retirement thanks to a collaboration between Caisse Desjardins Hydro and Cégep Marie-Victorin.

The 2-day training program is held only in French, in a dozen cities throughout Quebec, from Friday to Saturday and from Saturday to Sunday.

Learn more about the program and sign up - External link. This link will open in a new window.

Caisse Desjardins Hydro is an approved retirement-planning training provider, so you can claim up to $300 in training costs.

To learn more about requesting a reimbursement, log into Hydro-Québec's intranet site and go to Mon espace personnalisé > Espace RH > Rémunération et avantages sociaux > Retraite > Départ à la retraite > Préparation à la retraite.

Tax information

The following tax tables will help you determine the amount of provincial and federal taxes you'll have to pay per chunk of regular taxable income. They'll also help you determine the marginal tax rate that you'll have to pay on dividend income.

View the 2024 tax table (in French only, PDF, 95 KB) - This link will open in a new window.

View the 2023 tax table (in French only, PDF, 14 KB) - This link will open in a new window.

View the 2022 tax table (in French only, PDF, 99 KB) - This link will open in a new window.

View the 2021 tax table (in French only, PDF, 25 KB) - This link will open in a new window.

Forms and useful links

The following forms and resources will help you plan your retirement.

• Application for Retirement Pension Sharing Between Spouses Under the Québec Pension Plan - External link. This link will open in a new window.
  Apply for pension sharing with your spouse.
• Curateur public du Québec: Protection Mandate - External link. This link will open in a new window.
  Learn more about preparing a protection mandate in case you become incapacitated.
• Estate planning
  Draft a Personal Inventory of Assets (in French only, PDF, 1.21 MB) - This link will open in a new window. to help your liquidator with their search.
• How to establish your budget at retirement - External link. This link will open in a new window.
  Calculate your cost of living for when you reach retirement.
• Statement of Participation in the Quebec Pension Plan - External link. This link will open in a new window.
  Obtain your statement from Retraite Québec.
• RAMQ: Contribution Simulation Tool - External link. This link will open in a new window.
  Calculate the maximum amount you would pay to live in a public Quebec long-term care facility.
• Educaloi - External link. This link will open in a new window.
  Find a wealth of legal information.
• Government of Canada: Old Age Security pension - External link. This link will open in a new window.
  Learn about old age security at the federal level.
• Canadian Snowbird Association: IRS Form 8840 - External link. This link will open in a new window.
  Spend several months in the States every year? Fill out Form 8840 and submit it to the Internal Revenue Service.
• CRA: My Account - External link. This link will open in a new window.
  Learn more about the status of your tax return and your RRSP and TFSA contribution limits.