Normal age for application is 65:
Early CPP is available at 60 – reduced each month under 65.
Delayed CPP up to 70 – increased each month over 65.
To check your Statement of Contributions for accuracy contact Service Canada at 1 877 454 4051.
If you have concerns you may request a review of your file and the calculations.
Includes provision for a Disability Pension
Includes provision for a Survivors Pension
Couples both earning CPP benefits may combine and split the income 50/50 – this will continue until you ask to have it stopped.
CPP credits may be divided upon a marriage breakdown.
May apply any time after the split unless this has been addressed in a separation agreement.
If you are Currently:
Retired – Collecting CPP – Not Working
You will not be affected by the changes if you started receiving a CPP retirement pension before December 31, 2010, and you remain out of the work force.
Retired – Collecting CPP – Working You must be a contributor until age 65 and you may continue to contribute until age 70.
Before the change,
If you were receiving a CPP retirement pension and working, regardless of your age, you did not pay CPP contributions.
Starting in 2012 if you are under age 65 and you work while receiving your CPP retirement pension, you and your employer will have to make CPP contributions.
Starting in 2012 if you are age 65 to 70 and you work while receiving your CPP pension, you can choose to make CPP contributions.
If you decide to make the contributions, your employer will also have to make CPP contributions.
Employees age 65 to 70 may choose not to make CPP contributions by completing the form CPT30 provided by your employer.
These contributions will increase your CPP retirement benefits even if you are receiving the maximum CPP pension amount.
Retired – Not Collecting CPP
Your monthly CPP retirement pension amount will increase by a larger percentage if you take it after age 65.
Before the changes,
your CPP retirement pension increased by 0.5% for each month after age 65 (and up to age 70) that you delayed receiving it.
From 2011 to 2013 the Government of Canada will gradually increase the pension increase of 0.5% per month to 0.7% per month.
Your monthly CPP retirement pension amount will decrease by a larger percentage if you take it before age 65.
Before the changes, your CPP retirement pension was reduced by 0.5% for each month before age 65 that you began receiving it.
From 2012 to 2016 the Government of Canada will gradually change this early pension reduction from 0.5% to o.6% per month.
The number of years of low or zero earnings that are automatically dropped from the calculation of your CPP pension will increase.
Before the changes, when Service Canada calculated your average earnings over your contributory period, 15% of your lowest earnings were automatically dropped. This is called the "general drop-out provision".
Under the provision, up to 7 years of your lowest earnings were automatically dropped from the calculation of your average earnings.
Starting in 2012, the percentage of low earnings will increase to 16%, allowing up to 7.5 years of your lowest earning to be dropped from the calculation, which will likely increase your benefit amount.
In 2014, the percentage will increase again to 17%, allowing up to 8 years of your lowest earning to be dropped from the calculation.
To access your Service Canada Account and view your CPP statement of contributions and Benefit Estimate go to the Service Canada website: