Canada Pension Plan (CPP)

The Canada Pension Plan (CPP) is a contributory, earnings-related social insurance program. With few exceptions, every person over the age of 18 that earns wages must pay into the CPP. It ensures a measure of protection to a contributor and his or her family against the loss of income due to retirement, disability and death.

There are three kinds of Canada Pension Plan benefits:

  • disability benefits (which include benefits for disabled contributors and benefits for their dependent children);
  • retirement pension; and
  • survivor benefits (which include the death benefit, the survivor's pension and the children's benefit).

The Canada Pension Plan operates throughout Canada, although the province of Quebec has its own similar program, the Quebec Pension Plan. The Canada Pension Plan and the Quebec Pension Plan work together to ensure that all contributors are protected.