Eligible for the DGPP

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My eligibility for the DGPP

​​(1 min 08 s)
​​​What are the eligibility criteria for the DGPP?
Does it depend on my age, my employment status, my hours worked?


One of the following situations will apply to you:

  • You have just become eligible for the Desjardins Group Pension Plan (DGPP).
  • You were already eligible but are not currently a DGPP member and now you would like to or must join.

Here are the eligibility criteria:

  • Age
    •  ​Employee aged 25 up to 65 years old: mandatory membership
    • Employee under the age of 25 or 65 and over: optional membership
  • ​Employment status
    • ​ ​​Full-time and part-time employees (14 hours or more per week): immediate membership.
    • Part-time employees at less than 14 hours per week, and temporary or casual employees: membership starting the following January 1, if the employee was employed by one or more Desjardins Group employers at least 700 hours or has received remuneration of at least 35% of the yearly maximum pensionable earnings (YMPE) during the previous calendar year.​ 

    When you become eligible, the Participation in the Desjardins Group Pension Plan (pdf - 67 kb) form must be filled out. If you are under the age of 25 or 65 and over, your participation is optional. You must therefore complete part B of the form to inform your employer of your desire to participate or not in the DGPP. You must also name your beneficiary on the form. However, note that the Quebec Supplemental Pension Plans Act stipulates that, at the time of death, the member’s spouse has priority over any other beneficiary, unless the spouse has waived that right. The form must be kept indefinitely in your file by your employer.

    Employees assume 35% of the cost of the plan while the employer undertakes 65%.

    The employee’s contribution rate is 5.90% of the members’ salary up to 65% of the YMPE and 9.30% of the surplus.


    *MPE: Maximum Pensionable Earnings at QPP or CPP
    In 2023: 65 % of the MPE of $66,600 = $43,290
    The MPE is revised on a yearly basis.

    Contribution examples:

    Salary
    		 2023 Annual employee contributions
    (MPE 2023 = $66,600)
    $30,000
    		 $1,770
    $40,000
    		 $2,360
    $50,000
    		 $3,178
    $60,000
    		 $4,108
    $80,000
    		 $5,968
    $100,000
    		 $7,828
    $120,000
    		 $9,688
    $191,984 *
    		 $16,382
    ​ *Maximum contributory salary, which varies from year to year.​