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Canada Pension Plan (CPP)

If you are aged 65 or you are between 60 and 64 and have entirely or largely stopped working, you are entitled to Canada Pension Plan (CPP) benefits calculated to reflect your employer/employee contributions . The CPP applies to all provinces except Quebec. However, payment of this retirement pension does not start automatically unless you are already collecting a CPP disability pension: you have to ask for it.

If you are not receiving your CPP pension cheque, please write directly to:

International Operations Division
Income Security Program
Human Resources Development Canada
Place Vanier, Tower A, 10th Floor
Ottawa, Ontario
Telephone: 001-613-957-1954
Fax: 001-613-952-8901

For more information, you can visit the Canadian Pension Plan Web Site

Old Age Security Pension

The Old Age Security Pension, the basic retirement plan for which all Canadians are eligible, is granted by the federal government. This is a basic monthly benefit paid on request to persons at least 65 years of age. It may be supplemented by the Canada Pension Plan (CPP) or the Quebec Pension Plan (RRQ) depending on income. The Old Age Security Pension is exportable if the following eligibility conditions are met:

  • having been a Canadian citizen or legal resident of Canada the day preceding the day when you ceased to live in Canada, and
  • having been a resident of Canada for at least 20 years after reaching age 18.

For more information, you can visit the Old Age Security Pension Web Site

Quebec pension plan (RRQ)

In order to collect benefits under the Quebec Pension Plan (RRQ) (applicable beginning in 1966), you must have worked a minimum of one year in Quebec, be between 60 and 65 years old and have stopped working. The amount of benefit is calculated to reflect the length and amount of employer/employee contributions.

For more information, you can visit the Quebec Pension Plan (RRQ) Web Site


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