Quarterly Canada Pension Plan and Old Age Security benefit amounts and related figures – October to December 2022

Quarterly Canada Pension Plan and Old Age Security benefit amounts and related figures – October to December 2022 [PDF - 397 KB]

**Canada Pension Plan (CPP) and Quebec Pension Plan (QPP): Type of benefit**
	CPP^{Footnote 1}	QPP^{Footnote 1}
	New benefits Maximum amount 2022
Retirement (at age 65)	$1,253.59	$1,253.59
Post–Retirement Benefit (CPP) (at age 65)^{Footnote 2}	$36.26	not applicable
Retirement Pension Supplement (QPP)	not applicable	$28.08
Disability	$1,464.83	$1,464.83
Survivor: younger than 65	$674.79	(Details QPP)
Survivor: 65 and older	$752.15	$746.65
Children of disabled contributor	$264.53	$83.99
Children of deceased contributor	$264.53	$264.53
Death (maximum one-time payment)	$2,500.00	$2,500.00
Combined benefits
Survivor and retirement (retirement at 65)	$1,257.13	$1,258.49
Survivor and disability	$1,467.04	not applicable

**Disability and survivor amounts 2022**
	Flat amount	Earnings-related portion	Total
CPP disability benefit	$524.64	$940.19	$1,464.83
CPP post-retirement disability benefit^{Footnote 3}	$524.64	$0.00	$524.64
CPP survivor benefit: younger than 65	$204.69	$470.10	$674.79
QPP disability benefit	$524.61	$939.22	$1,463.83
QPP additional amount for disability^{Footnote 3}	$524.61	$0.00	$524.61

**Details of QPP benefits**
QPP survivor benefit: younger than 45
	Flat amount	Earnings-related portion	Total
Not disabled, no child	$134.37	$468.49	$602.86
Not disabled, with child	$487.12	$468.49	$955.61
Disabled	$524.61	$468.49	$993.10
QPP survivors: age 45 to 64	$524.61	$468.49	$993.10

**Old Age Security (OAS): Type of benefit**
	Maximum amount ^{Footnote 4}	Income level cut-off ^{Footnote 5}	Income level cut-off for top-ups ^{Footnote 5}
	October to December 2022
Old Age Security pension (at age 65 to 74) ^{Footnote 6}, ^{Footnote 7}	$685.50	not applicable	not applicable
Old Age Security pension (age 75 and over) ^{Footnote 6}, ^{Footnote 7}	$754.05	not applicable	not applicable
Guaranteed Income Supplement (GIS)
Single	$1,023.88	$20,784	$9,632
Spouse or common-law partner of someone who:
does not receive an OAS pension	$1,023.88	$49,824	$19,264
receives an OAS pension	$616.31	$27,456	$8,320
is an Allowance recipient	$616.31	$38,448	$8,320
Allowance	$1,301.81	$38,448	$8,320
Allowance for the Survivor	$1,551.85	$27,984	$9,632

**Other CPP and QPP figures**
	CPP			QPP
Year's maximum pensionable earnings (YMPE) (2022)	$64,900.00			$64,900.00
Year's basic exemption (2022)	$3,500.00			$3,500.00
Contributions (2020 to 2021)	$55,331 million			$17,161 million
Number of contributors (2020)	14.4 million			(estimated) 4.2 million
Indexation rate (January 2022)	2.7%			2.7%
	Base	Enhancement	Total	Base	Enhancement	Total
Contribution rate for employee and employer	4.95%	0.75%	5.70%	5.40%	0.75%	6.15%
Employee and employer maximum contribution	$3,039.30	$460.50	$3,499.80	$3,315.60	$460.50	$3,776.10
Contribution rate for self-employed	9.90%	1.50%	11.40%	10.80%	1.50%	12.30%
Self-employed maximum contribution	$6,078.60	$921.00	$6,999.60	$6,631.20	$921.00	$7,552.20

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Footnotes

Footnote 1

Maximum benefit amounts reflect the CPP/QPP enhancement. CPP and QPP maximum amounts in this table are for benefits beginning in January 2022. Maximum CPP and QPP benefit amounts increase every month as a result of the enhancement.

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Footnote 2

Each year a valid contribution is made to the CPP while a retirement pension is being received, the person becomes eligible for a post-retirement benefit (PRB) in January of the following year and thus can receive more than one PRB.

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Footnote 3

This amount is added to the retirement benefit.

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Footnote 4

The maximum amount includes the top-ups for the GIS and the Allowances. The top-ups are provided to GIS and Allowance recipients with the lowest incomes.

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Footnote 5

The income level cut-offs do not include the OAS pension, the first $5,000 of employment or self employment income and 50% of employment or self employment income between $5,000 and $15,000.

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Footnote 6

The OAS pension repayment range in 2022 is for net world income from $81,761 to $134,626, for individuals aged 65-74. For those aged 75 and over, the upper threshold is $137,331. Net world income includes the OAS pension.

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Footnote 7

Individuals can defer receiving the OAS pension beyond age 65 in exchange for a higher pension. The monthly OAS pension is increased by 0.6% for every month it is delayed up to a maximum of 36% at age 70.

Return to footnote 7 referrer

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Date modified:: 2022-09-29

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