10.2.1 Public income programs

Almost all of today's seniors receive income from Canada's public pensions: the Canada Pension Plan (CPP) or the Quebec Pension Plan (QPP), and Old Age Security (OAS). Together, the CPP/QPP and OAS provide a modest base upon which Canadians can build their retirement income.

The CPP operates throughout Canada, except in Quebec. The Province of Quebec administers the QPP for workers in Quebec. The two plans work together to ensure that all contributors are protected, no matter where they live.