Canada Pension Plan

The Canada Pension Plan (CPP) is a social insurance plan that is funded by the contributions of employees, employers and self-employed people as well as the revenue earned on CPP investments. The CPP covers virtually all employed and self-employed people in Canada, excluding Quebec, which operates its own comprehensive plan, the Quebec Pension Plan. The CPP is the second pillar of Canada’s retirement income system. It provides income replacement to contributors and their families in the event of retirement, disability or death. The CPP is a statutory program that is governed by the federal government and the provinces. It is enabled by the CPP legislation and the Canada Pension Plan Investment Board Act. Eligibility criteria must be met in order to receive benefits.

Service Canada’s delivery of CPP benefits involves answering program queries through specialized call centres, via the Internet and at in-person points of service; collecting and processing applications and issuing payments; monitoring decisions and payments for accuracy; administering requests for reconsideration of a decision; conducting client authentication and identification; and preventing, detecting and deterring fraud and abuse.


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