Canada pension plan application 2026

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  1. Click ‘Get Form’ to open the Canada Pension Plan application in the editor.
  2. Begin with Section A, where you will provide your personal information. Fill in your Social Insurance Number, date of birth, and sex. Ensure that you print clearly using a pen.
  3. Continue by completing your mailing address and contact details. If applicable, include your home address if it differs from your mailing address.
  4. In Section B, provide information about your spouse or common-law partner. This includes their Social Insurance Number and date of birth.
  5. Section C requires details about your marital status. Indicate whether you are married or in a common-law union and provide relevant dates.
  6. Finally, review Section D for the applicant's declaration. Sign and date the form to confirm that all information is accurate.

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For 2022, the maximum monthly amount you could receive as a new recipient starting the pension at age 65 is $1,253.59. The average monthly amount paid for a new retirement pension (at age 65) in July 2022 is $727.61. Your situation will determine how much youll receive up to the maximum.
The earliest you can begin receiving it is the month after your 60th birthday. If you start receiving your pension at age 65, you will get the full pension amount you are entitled to receive, based on your earnings and contributions. Your pension will start the month after your 65th birthday.
How long does it take to receive CPP after applying? It takes approximately 7 to 14 days for online applications, 120 days for applications delivered by mail or in-person to a Service Canada Centre.
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You can start receiving your CPP pension as early as age 60, whether or not you are still working. However, the amount of your pension varies according to your age when you apply: As of 60 (until 65): Youll receive a reduced amount. At 65: Youll receive your full pension.
Use your statement of contributions to get your pensionable earnings for each year then divide that amount by that years maximum pensionable earnings. Next, you multiply that amount by the average maximum pensionable earnings for the five-year period leading up to the year when you intend to start drawing CPP.
Canadians can apply for the CPP in two ways: You can apply online on the Service Canada website. Applying online happens in two steps. You can print and complete the CPP retirement pension application Form ISP1000 and mail it to Service Canada or drop at a Service Canada office in your area.
For instance, youll be ahead financially if you take CPP at age 60 and dont live past age 69. If you make it to 85, then the optimal age to take CPP is 69. For context, a 60-year-old Canadian, on average, can expect to live another 25 years. So if youre playing the averages then its best to delay CPP.
To apply online youll need a My Service Canada Account (MSCA). If you dont have a My Service Canada Account (MSCA), you can register for one. Youll receive a personal access code to complete your registration. Through MSCA, you can see an estimate of what youll receive.

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