Canada Pension Plan - CPP

Human Resources and Social Development Canada (HRSDC)

Last Verified: 2005-10-27

The Canada Pension Plan (CPP) is a contributory, earnings-related social insurance program. It ensures a measure of protection to a contributor and his or her family against the loss of income due to retirement, disability and death. The CPP operates throughout Canada although the province of Quebec has its own similar program, the Quebec Pension Plan (QPP).

Eligibility Criteria

Generally, all workers in Canada over the age of 18 pay into the CPP (or the QPP) and qualify for benefits.

Summary

The Canada Pension Plan (CPP) can provide Canadians with a retirement pension as early as age 60. This Plan also offers disability, survivors and death benefits. The amount of the pension or benefit depends on how much and for how long a person contributes to CPP. With very few exceptions, every person in Canada over the age of 18 who earns a salary must pay into it.

How does it work?

The employer deducts the employees contributions from their pay and makes an equal contribution. People who are self-employed, act as both the employee and employer and pay both portions. The Canada Revenue Agency collects contributions on behalf of the Canada Pension Plan.

Nova Scotia Contact(s):
Mailing address - Nova Scotia
Social Development Canada
P.O. Box 1687, Postal Station M
Halifax, Nova Scotia B3J 3J4

National Contact(s):
Social Development Canada
Nova Scotia
Toll-free (information): 1-800-277-9914

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Last Modified: 2006-01-16

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