Canada Pension Plan (CPP): Who Qualifies and What You Get
Learn how the Canada Pension Plan works, including who is eligible for retirement, disability, and survivor benefits.
The Canada Pension Plan (CPP) is a national program that provides income to workers through various benefit types.
Who it's for
This program is for all workers who make regular contributions through their payroll.
What you get
Depending on your situation, you may be eligible for several types of support:
- A retirement pension to provide income after you stop working.
- Disability benefits if you are unable to work due to a physical or mental condition.
- Survivor benefits to support your family if you pass away.
What it costs you
The cost is mandatory. A portion of your earnings is taken directly from your paycheck as payroll contributions to fund the plan.
The catch to know
Receiving these benefits is not automatic. Even when you reach retirement age, you must proactively submit an application to receive your pension.
How to apply
- Review your eligibility requirements on the official website.
- Gather your necessary personal and employment documents.
- Submit your application through the official government portal.
https://www.canada.ca/en/services/benefits/publicpensions/cpp.html