Pensions and Retirement

Information about pensions and benefits you may be eligible for and tools to help you plan for your retirement as soon as you start working.

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Old Age Security (OAS)

Information about the OAS pension and benefits you may be eligible for as early as age 60.

Canada Pension Plan (CPP)

The Canada Pension Plan provides contributors and their families with retirement, disability, survivor and death benefits.

Registered Retirement Savings Plan (RRSP)

Information about setting up, contributing to, transferring or withdrawing money from an RRSP.

Planning your retirement

Information and tools to help you calculate how much you will need to retire comfortably, plan a budget or understand sources of retirement income.

Retirement income calculator

Includes a step-by-step calculator to help you estimate your retirement income, including OAS, CPP, RRSPs, employer pensions and other sources of income.

Social Security Agreements (SSAs)

If you have lived and/or worked in Canada and in a country with which Canada has a social security agreement, you may qualify for old age, disability and survivor benefits from both Canada and the other country.

Reports

Reports examining issues related to Canada's public pensions and the overall retirement income system.

Acts and regulations

There are several acts and regulations that govern the Canada Pension Plan and Old Age Security. The Department of Justice holds the authoritative source for these documents.

Success stories

These success stories are about Canadians who have changed their own lives, or those of others, through the Old Age Security and Canada Pension Plan.

Changes to the Old Age Security program

Find out more about the Old Age Security (OAS) changes in Budget 2012.

Canada Pension Plan retirement – what will you get?

Get an idea of what Canada Pension Plan (CPP) benefits you can expect to receive so you can plan for your future. With the recent changes to the CPP, it's important to understand how benefits are calculated.

Working and aged 60 and over

The Post-Retirement Benefit is a lifetime benefit that can increase your retirement income.

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