Canada Pension Plan (CPP) Retirement Pension

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.

Program in Canada-wide. Seniors Government benefits Money, grants & charity

When: 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.

How to reach them

1. Go to their application form.
2. Say who you are and what you are offering or asking.
3. Come back here and tell us if they answered.

Other ways, if that one is quiet

• PhoneGo to the phone line
  It workedNo answer

• TTY phoneTTY phone
  It workedNo answer

• PhoneCall 1-800-277-9914
  It workedNo answer

Where else they are

Their website is canada.ca/.../cpp.html.

Good to know

• For whomPeople 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).
• 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.

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