Canada Pension Plan
Almost everyone who works in Canada must contribute to (pay into) the CPP. Learn more about contributions to the Canada Pension Plan.
Quebec has its own similar plan, the Quebec Pension Plan. If you live in Quebec, visit the Retraite Québec website for information on pensions and benefits under the Quebec Pension Plan.
Apply for CPP Retirement Pension
The CPP retirement pension provides monthly benefits to eligible Canadians.
You must have worked and made at least one valid contribution (payment) to the CPP to qualify for a retirement pension. If you made at least one contribution to the CPP, you can:
- apply for the retirement pension at age 65; or
- receive it as early as age 60 with a reduction; or
- receive it as late as age 70 with an increase.
The Canada Pension Plan provides contributors and their families with retirement, disability and survivor benefits.
- Post-retirement benefit: If you continue to work while receiving your CPP retirement pension, your CPP contributions will go toward post-retirement benefits, which will increase your retirement income.
- Disability benefits: If you become severely disabled and cannot work at any job on a regular basis, you and your children may receive a monthly benefit.
- Definition of disability: Framework on medical eligibility for the CPP Disability program
- Survivor benefits: When you die, CPP survivor benefits may be paid to your estate, surviving spouse or common-law partner and children.
- Pension sharing: Married or common-law couples in an ongoing relationship may voluntarily share their CPP retirement pensions.
- Credit splitting for divorced or separated couples: The CPP contributions you and your spouse or common-law partner made during the time you lived together can be equally divided after a divorce or separation.
- Amendments to the Canada Pension Plan
The CPP is adapting to better reflect how Canadians choose to live, work and retire.
- Date modified: