Section
When you can start CPP and how that changes the amount, who is eligible, and what happens if you keep working while receiving it.
When to start
You can start CPP between 60 and 70. Starting before 65 reduces the amount by 0.6% a month; starting after 65 increases it by 0.7% a month — up to 36% lower at 60 or 42% higher at 70.
Eligibility
CPP pays a retirement pension and also disability, survivor and other benefits. Beneficiaries are not all the same age and do not all receive the same amount, which matters when reading any national figure.
Still working
If you work while receiving CPP before age 70, you can continue to contribute and build a post-retirement benefit that adds to your pension. The rules differ once you reach 65 and 70.
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Changes to CPP, OAS and QPP, adjustment rates and payment dates — summarized on one page. Signing up does not file anything with Service Canada, change a benefit, or trigger a payment. All articles stay free to read.
