Canada Pension Plan - Overview

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Canada Pension Plan retirement pension

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Description of Canada Pension Plan retirement pension

The Canada Pension Plan (CPP) retirement pension is a monthly, taxable benefit that replaces part of your income when you retire. If you qualify, you’ll receive the CPP retirement pension for the rest of your life.

Sections

Do you qualify Eligibility criteria for CPP retirement pension. When to start your retirement pension When should you start receiving your pension and are there advantages to waiting. How much you could receive How we calculate your CPP retirement pension and situations that affect the amount. Apply You may have to apply. Consult detailed information on how to apply. After you apply Application status updates, information on correcting your application, and what to do if you disagree with the decision. Receive your benefits How and when you will receive payments, taxes, and how to cancel a CPP retirement pension.

Payment amounts

Maximum CPP pension at age 65 (January 2025): $1,433.00/month

Average CPP pension at age 65 (October 2024): $899.67/month

CPP pensions and benefits monthly amounts

Next payment date

January 28, 2026

Payment dates

Explore top tasks

If you’re already familiar with CPP, explore these quick links to help you take action now:

Top tasks for CPP

• Statement of Contributions: access your CPP statement of Contributions to see your contribution history
• Apply online (MSCA): register or sign in to My Service Canada Account (MSCA) to apply online
• Apply with a paper form: find what you need to download and submit a paper application form
• Check your application status: track the status of your CPP application
• Change your personal information: update your personal details like your address and banking information
• Taxes: find out how to deduct federal taxes from your CPP and access your tax slips
• Disagree with a decision: request a review or submit an appeal with the Social Security Tribunal of Canada

Contact us

If you have general questions about the Canada pension retirement plan or specific questions about your application, contact us.

Related links

If you’re applying for CPP, check if you’re eligible for these other pensions and benefits:

Other pensions and benefits

Old Age Security (OAS) pension

Apply for OAS if you are 65 and older even if you have never worked or are still working.

Guaranteed Income Supplement

Apply for this benefit if you are an Old Age Security recipient with low income.

CPP Post-Retirement Benefit (PRB)

If you're under 70 and working while receiving your CPP, you can still contribute to increase your pension.

CPP Post-Retirement Disability Benefit

Apply if you are under 65, receiving a CPP retirement pension, and now have a severe and prolonged disability.

Guaranteed Income Supplement – Allowance

Canada Pension Plan, Old Age Security, Guaranteed Income Supplement, Retirement planning.

Allowance for the Survivor

Apply for a monthly benefit if you are low-income, widowed, age 60 to 64 and not yet eligible for OAS.

Receive public pensions outside Canada

Receiving OAS and CPP pensions and benefits, if living outside Canada.

Find Survivor and CPP disability benefits:

Survivor and CPP disability benefits

CPP survivor's pension

Apply for a monthly payment paid to the legal spouse or common-law partner of a deceased CPP contributor.

Death benefit

Apply for a one-time payment on behalf of a deceased CPP contributor.

What to do when someone dies

What to do following the loss of a loved one. Documents you need, who to notify, how to cancel benefits and avoid overpayment.

Allowance for the Survivor

Apply for a monthly benefit if you are low-income, widowed, age 60 to 64 and not yet eligible for OAS.

CPP children’s benefit

Apply for a monthly benefit for a dependent child of a deceased CPP contributor.

CPP disability benefits

Apply if you are unable to work due to a severe and prolonged disability.

CPP Post-Retirement Disability Benefit

Apply if you are under 65, receiving a CPP retirement pension, and now have a severe and prolonged disability.

Page details

2025-12-22