Monthly retirement pension, beginning as early as 60 years or as late as 70 years * full pension if started at 65 years * reduced pension if started before 65 years * increased pension if started after 65 years


Post-Retirement Benefit -- for workers 60-70 years who continue to contribute to CPP while receiving a CPP pension


Disability benefits for contributors under 65 years * allowance for dependent children


Survivor benefits -- monthly pension for surviving spouse or common law partner * children's benefit for dependent children of deceased contributor * death benefit (lump sum payment to estate, or persons responsible for funeral costs)


Amount of benefits payable is in proportion to contributions * pension credits earned by either spouse may be divided equally (credit splitting) on termination of marriage or common law partnership


Social Security Tribunal, 1-877-227-8577 -- independent appeal process for Canada Pension Plan decisions


Program of Employment and Social Development Canada, delivered by Service Canada

Contributors to the Canada Pension Plan (CPP) * Canada has reciprocal social security agreements with many countries, which may allow people who have lived or worked in another country to qualify for a foreign pension

Apply 6 months before you want your pension to start (not automatic) * application forms available online, by phone or in person at Service Canada sites -- see separate entries

Recorded information Mon-Sun 24 hours * call Mon-Fri 8:30 am-4:30 pm to speak to an agent