Federal Public Pensions

Overview

Canada Pension Plan (CPP) and Old Age Security (OAS) are the two main federal public pension programs in Canada.

CPP is a federal program which provides contributors with a source of income in the case of retirement, disability or death and is regulated by Service Canada. The regular contributory period is from 18 years to 65 years old. The standard age of retirement is 65, but contributors may apply for reduced CPP payments as early as 60 or for increased payments if their benefits begin after the age of 65.

Note: Residents of Quebec contribute to the Québec Pension Plan (QPP) instead of the CPP. People who have contributed to both plans will have all contributions considered regardless of which plan they apply for. Please contact Retraite Québec for information on pensions and benefits under the QPP.

OAS is a taxable government benefit issued to eligible applicants to supplement their Canada Pension Plan. OAS is generated from income tax and is available to those aged 65 or older. An applicant must meet Canadian residency requirements to be eligible for OAS.

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Canada Pension Plan FAQs

Old Age Security & Related Benefits FAQs

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