Canada Pension Plan - Retirement Pension

AKA: CPP
Provided by: Government of Canada - Service Canada - AKA: Employment and Social Development Canada; ESDC; Human Resources and Skills Development (former name)
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Service Description

The Canada Pension Plan (CPP) retirement pension is a monthly, taxable benefit that replaces part of an individual's income when they retire.

Information

Eligibility:
The standard age to start the pension is 65 years; however, it can be as early as 60 years or as late as 70 years.

If you start receiving your pension earlier, the monthly amount you'll receive will be smaller. If you decide to start later, you'll receive a larger monthly amount.

There's no benefit to waiting until after age 70 to start receiving the pension. The maximum monthly amount you can receive is reached when you turn 70.

To apply, individuals must:
* Be at least a month past their 59th birthday
* Have worked in Canada and made at least one valid contribution to the CPP
* Want CPP retirement pension payments to begin within 12 months
Fees:
No fees
How to Access:
The CPP retirement pension does not start automatically * Individuals can apply a maximum of 12 months before the date they would like the pension to start Application is available online by signing in or registering for a My Service Canada Account Certain circumstances may prevent individuals from applying online * See website for details
Documents Required:
Varies by application * See website for details
Program Hours:
Mon:8:30am - 4:30pm
Tue:8:30am - 4:30pm
Wed:8:30am - 4:30pm
Thu:8:30am - 4:30pm
Fri:8:30am - 4:30pm
CPP/OAS toll-free number
Program Phone Numbers:
Language:
English * Some locations offer French services * Other languages available by phone
Website:
https://www.canada.ca/en/services/benefits/publicpensions/cpp.html
Coverage Area:
Canada

Service Locations & Contact Info