RQAP (parental insurance);

The Quebec Parental Insurance Plan (QPIP) is the program that provides replacement income to parents in Quebec who stop working due to the birth or adoption of a child. Employers, employees, and self-employed individuals contribute a small portion of their salary to fund it.

Brief

Provides income to parents in Quebec during a leave of absence (birth or adoption).
Funded by small deductions from payroll (employer, employee, self-employed)
Collected along with other withholdings sent to governments (source deductions, or DAS)
2026 rates: 0.430% for the employee, 0.602% for the employer, 0.764% for the self-employed

Why does this matter?

Think of the Quebec Parental Insurance Plan (QPIP) as a community fund: a small portion is contributed to each paycheck, and when a parent has a baby, the fund provides them with income during their leave. For an employer, the challenge is to deduct the correct amount from each paycheck (up to a maximum of $103,000 in 2026 revenue) and remit it to the government; otherwise, you risk interest and penalties. Bankeo connects you with a certified accountant/CPA, free of charge, who will calculate and remit these amounts for you, and we'll be there to support you every step of the way.

Frequently asked questions

What exactly is the RQAP?

This is a Quebec program that provides income to parents who take leave for a birth or adoption. It is funded by small payroll deductions, up to a maximum of $103,000 in income in 2026.

Does the self-employed worker also contribute?

Yes. He pays his share directly from his business income (0.764% in 2026), which entitles him, like an employee, to income from the scheme in the event of a birth or adoption.

Who is responsible for calculating the RQAP on my wages?

An accountant integrates the RQAP (Quebec Pension Plan) into each payroll, government payments, and year-end statements. Bankeo provides you with a verified accountant/CPA free of charge, and we remain by your side throughout the process.