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Common Questions

I’m trying to decide whether to apply early for CPP

Last reviewed November 2020 by the Clicklaw Editors

The Canada Pension Plan (CPP) retirement pension is a monthly benefit paid to people who have contributed to the Canada Pension Plan. Generally, if you apply when you are between 60 and 64, your benefits may be less than if you apply at age 65.

Good starting points include:

  • When I'm 64: Benefits for Older Adults, from People's Law School, has information about the Canada Pension Plan retirement pension, including applying when you are between the ages of 60 and 64.
  • Canada Pension Plan Retirement Pension, from the federal government, includes a section that explains how much you could receive if you take the CPP retirement pension before or after age 65.

Need more help?

  • Service Canada, from the federal government, can help you with information about government benefits, including the Canada Pension Plan. Call 1-800-O-CANADA (1-800-622-6232) or find a Service Canada Centre near you.
  • Find an Advocate, from PovNet, provides a list of community advocates who may be able to provide information or assistance regarding government benefits.
  • Find more help near you on Clicklaw HelpMap.

See our related common questions:

Canada Pension Plan (CPP), early application to CPP, retirement pension, pensions