How Do I Apply For Canada Pension at Age 60?

The CPP is a tax-exempt pension plan. You can opt to start receiving it as early as age 60; or wait until age 65 before beginning receiving full payments.

Decisions regarding early CPP withdrawal depend on many variables, but one of the primary considerations should be your tax rate.

How to apply

Your Canada Pension Plan (CPP) benefits can vary significantly based on factors including average income throughout your career, contributions to CPP and how long they were made. Your CPP benefits may be collected as early as age 60; or they could even be postponed until age 70 if desired.

CPP provides survivor’s benefits to your spouse or common-law partner in the event of your death, calculated based on contributions both of you made during a contributory period (time spent working and paying into plan).

Contributing to the Canada Pension Plan (or Retraite Quebec in Quebec) through payroll deductions. You can begin collecting your CPP after turning 60 at any time, although its amount will be reduced for every month taken prior to age 65 based on a break-even calculation which considers how long until you will reach full retirement age in order to make up any missed payments.


At age 60, you must fulfill certain requirements to qualify for the Canada pension – these include age and residency status. This government-backed retirement program can add some sparkle to your golden years.

Most adults work for at least some portion of their adult lives and make contributions to both the Canada Pension Plan (CPP) and Quebec Pension Plan (QPP). You must be at least 57 to start receiving CPP benefits.

CPP is a contributory social insurance benefit designed to replace approximately 25-33% of your employment earnings when you retire, depending on how long you worked and when and at what age you decided to start collecting benefits. Its payments depend on three elements: contributions made over time; length of service years worked and your chosen starting age of benefits receipt.

Apply for CPP and QPP either online or by submitting a paper application. The online option requires either My Service Canada Account or personal access code; additionally you may be required to submit other documents as part of this application process.

Online application

The Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) are contributory social insurance programs designed to supplement a person’s retirement income with monthly retirement income payments, supplementing approximately one-quarter to one-third of total employment earnings. CPP membership is mandatory in Canada excluding Quebec.

CPP benefits can begin either at age 60 or 65; however, starting early will result in reduced benefits and possibly an earlier start date (either prior to 65 or postponed until age 70 for maximum payment). You may also opt to delay starting benefits until age 70 in order to receive larger payments.

You can apply online if you meet the criteria for CPP eligibility. When filling out an online application, carefully complete it using banking details as well as SIN numbers of both your spouse or common-law partner and yourself as well as having valid email address(es). Alternatively, paper applications can also be submitted by fax or mail; in which case it should include Step 7’s signature page from Step 7.

Paper application

Dependent upon your circumstances, CPP applications may be made using the paper application process. Simply complete and mail or deliver your completed form directly to Service Canada offices for submission; or reach out directly via the toll-free line if any queries arise.

The Canada Pension Plan (CPP) is a social security program in Canada that offers retirement income through contributions from employees and employers alike as well as investment earnings. Coverage extends almost entirely across Canada except Quebec residents who opt-in to the Quebec Pension Plan instead. Benefits provided under CPP cover death, disability and retirement.

Selecting when and how much CPP benefits to receive can be an important decision that can influence everything from Old Age Security (OAS) benefits, taxes, investments and estate planning – so make it wisely.

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