Canada Pension Plan (CPP) Retirement Pension
Canada Pension Plan (CPP) Retirement Pension is a program run by Employment and Social Development Canada that gives up to $1,507.65 a month at 65 to people who are at least 60 years old and have made at least one valid contribution to the CPP, from work in Canada or from credits shared by a former spouse or common-law partner after a separation or divorce. Checked on the official page on October 8, 2026.
Up to $1,507.65 a month at 65
Most people get less.
You likely qualify if: People at least 60 years old; Made at least one valid CPP contribution.
Next payment October 28, 2026in 19 daysAdd to calendar
No deadline. Apply up to 12 months before the month you want your pension to start. Online applications get a decision by mail within 28 days. Paper applications get a decision within 120 days.
Free. Never pay anyone to apply.
ApplySend to someone who needs thisChecked on October 8, 2026 on the official page
We last read this on October 8, 2026. That was a while ago, so please check their own website before you rely on it, and tell us below if something changed.
A monthly, taxable payment from the Government of Canada that replaces part of your income when you retire. If you qualify, you get it for the rest of your life. In 2026 the maximum at age 65 is $1,507.65 a month and the average for new pensions is $858.34 a month.
Who qualifies
People who are at least 60 years old and have made at least one valid contribution to the CPP, from work in Canada or from credits shared by a former spouse or common-law partner after a separation or divorce. You can start at 60 with a smaller payment (0.6% less for each month before 65, up to 36% less), at 65, or as late as 70 with a bigger payment (0.7% more for each month after 65, up to 42% more).
You likely qualify if:
- People at least 60 years old
- Made at least one valid CPP contribution
How to apply
- Apply on their application form.
- Questions? 1-800-277-9914
- Come back here and tell us if it worked.
Other ways, if that one is quiet
Where else they are
Their website is canada.ca/.../cpp.html.
Good to know
- CostFree
- LanguagesEnglish, French
- Their stepsChoose the month you want your pension to start, any time from age 60 to 70. Starting earlier means a smaller monthly payment, and starting later means a bigger one. Up to 12 months before that month, sign in to My Service Canada Account, go to the Canada Pension Plan section and select Apply for Canada Pension Plan retirement pension. No online account: fill out form ISP-1000 and mail it to Service Canada. For postal codes starting with L, M or N the address is Service Canada, PO Box 5100 Station D, Scarborough ON M1R 5C8. Have your Social Insurance Number and your bank details for direct deposit ready.
Did this way in answer?
Talk to a person: 1-800-277-9914
Something wrong? Tell us
What to bring
- Your SIN and bank details
- My Service Canada Account, or form ISP-1000
- Your Social Insurance Number (SIN)
- Name of your financial institution
- Branch (transit) number
- Account number
- Country name, insurance number and dates if you worked abroad
- Child's full name, SIN and date of birth (Child Rearing Provision)
- Proof of child's date of entry into Canada, if born outside Canada
From the official page, read October 8, 2026.
Dates
Next payment October 28, 2026.
No deadline. Apply up to 12 months before the month you want your pension to start. Online applications get a decision by mail within 28 days. Paper applications get a decision within 120 days.
Something wrong? Tell us
We read all of this on their own website. If something has changed, tell us here. It takes 20 seconds, needs no account, and nothing is deleted: the old fact stays until a person checks yours.