{"id":"u108","name":"Canada Pension Plan (CPP) Retirement Pension","type":"program","typeLabel":"Program","what":"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.","forWhom":"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).","cost":"Free","tags":["CPP","retirement pension","pension","Service Canada","My Service Canada Account","ISP-1000"],"topics":["seniors","benefits","money"],"place":{"country":"Canada","region":null,"city":null,"label":"Canada-wide","cc":"CA","scope":"country"},"website":"https://www.canada.ca/en/services/benefits/publicpensions/cpp.html","sources":["https://www.canada.ca/en/services/benefits/publicpensions/cpp.html","https://www.canada.ca/en/services/benefits/publicpensions/cpp/eligibility.html","https://www.canada.ca/en/services/benefits/publicpensions/cpp/when-start.html","https://www.canada.ca/en/services/benefits/publicpensions/cpp/apply.html","https://www.canada.ca/en/services/benefits/publicpensions/cpp/payment-amounts.html","https://www.canada.ca/en/employment-social-development/corporate/contact/cpp.html"],"checked":"2026-10-04","added":"2026-10-04","verified":"checked","checkEvery":90,"deadline":null,"deadlineNote":"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.","status":"listed","routes":[{"kind":"Application form","url":"https://www.canada.ca/en/services/benefits/publicpensions/cpp/apply.html","value":null,"seen":"2026-10-04","source":"their own site"},{"kind":"Office phone","url":"https://www.canada.ca/en/employment-social-development/corporate/contact/cpp.html","value":"1-800-277-9914 (Mon to Fri 8:30 am to 4:30 pm local time)","seen":"2026-10-04","source":"their own site"},{"kind":"TTY phone","url":"https://www.canada.ca/en/employment-social-development/corporate/contact/cpp.html","value":"1-800-255-4786","seen":"2026-10-04","source":"their own site"},{"kind":"Office phone","url":null,"value":"1-800-277-9914","seen":"2026-10-04","source":"their own site"}],"primaryRoute":{"kind":"Application form","url":"https://www.canada.ca/en/services/benefits/publicpensions/cpp/apply.html","value":null,"seen":"2026-10-04","source":"their own site"},"routeCount":4,"channels":[{"kind":"website","url":"https://www.canada.ca/en/services/benefits/publicpensions/cpp.html","label":"Website","reach":null,"unit":null,"seen":"2026-10-04","source":"their own site"}],"spaceCount":1,"spacesSeen":"2026-10-04","phone":"1-800-277-9914","contact":{"email":null,"url":"https://www.canada.ca/en/services/benefits/publicpensions/cpp.html","route":"Application form"},"steps":["Choose 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."],"languages":["English","French"],"welcomes":[],"reachNum":null,"reachUnit":null,"reachKind":"none","reachSource":null,"reachSeen":null,"intents":{"reach":false,"grow":null,"job":false,"volunteer":false,"specialist":null,"opps":false,"housing":false,"money":true,"info":false,"marriage":false},"stale":false,"staleDays":0,"checkedNote":"Facts read from the source pages on 2026-10-04; spaces read from their site on 2026-10-04; re-checked every 90 days.","spaces":[{"kind":"website","label":"Website","url":"https://www.canada.ca/en/services/benefits/publicpensions/cpp.html","reach":null,"unit":null,"seen":"2026-10-04","note":null}],"missing":["organization email (not published on their pages)","follower or subscriber counts (platform pages do not expose them to readers; ask the organization or check the platform)","what they welcome from outside parties (their pages do not say)","audience number for the organization as a whole (not public)"]}