11. Retraite Québec may make deductions from a benefit granted to a debtor to offset a recoverable sum, up to the highest of the following amounts:(1) 25% of the benefit payable; or
(2) 1/12 of the recoverable sum, up to 50% of the benefit payable.
Retraite Québec may make deductions from up to 100% of a payable benefit in the following instances:(1) the debtor consents thereto in writing; or
(2) the set-off provided for in the first paragraph does not appear to be sufficient to repay the recoverable sum in full, taking future payments of the payable benefit into account.
To offset the debt of a deceased contributor, Retraite Québec may also make deductions from the total amount of a death benefit payable in that contributor’s name, where the death benefit is payable to his heirs.