The Canada Pension Plan (CPP) is a federal program which provides contributors with a source of income in the case of retirement, disability or death. 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 QPP instead of the CPP. People who have contributed to both plans will have all contributions considered regardless of which plan they apply for.

Eligibility

Applicants should ensure that they meet the eligibility requirements before applying for CPP, which are:

•    turning 60 within 11 months
•    having worked in Canada
•    having made at least 1 CPP contribution

The applicant will begin receiving CPP payments within 12 months of submitting their application if approved.

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