CPP Election for Clergy: Who Qualifies and What You Get
Learn how clergy members who are not employees can elect to contribute to the Canada Pension Plan to support their retirement income.
This scheme allows certain religious leaders to choose to participate in the national pension system to help fund their retirement.
Who it's for
This is for clergy members who are not classified as employees for Canada Pension Plan purposes.
What you get
By making this election, you gain the ability to contribute to the pension plan, which helps you build up income for when you retire.
What it costs you
To participate, you must file a specific form (Form CPT30). Because you are not an employee, you are responsible for paying both the employer and the employee portions of the contributions.
The catch to know
You cannot wait indefinitely to decide. You must make this election by the deadline of the year following the tax year you wish to cover.
How to apply
- Determine if your role qualifies as non-employee status for pension purposes.
- Complete Form CPT30 to make your official election.
- Ensure you submit the form before the deadline of the following tax year.