Working while receiving a pension
Working while receiving the Canada Pension Plan
You may continue working while you’re receiving the Canada Pension Plan (CPP). If you’re between 60 and 65 years old, you must continue to contribute to the CPP. Your CPP contributions will go toward post-retirement benefits. These benefits will increase your retirement income when you stop working.
When you’re 65 years old, you can choose to stop making CPP contributions. If you decide to keep paying into the CPP at 65, your employer will also have to contribute. If you're self-employed, you'll have to pay both the employee and employer portions.
Working while receiving the Québec Pension Plan
The Québec Pension Plan (QPP) may allow you to start receiving your pension while you continue to work. To do so, you must meet certain conditions.
If you work while receiving the QPP, you must continue to contribute to it. These contributions increase your retirement income. This is called the retirement pension supplement.
Working while receiving the Old Age Security pension
The Old Age Security (OAS) pension may allow you to receive your pension while you're working. You may need to pay some of the OAS pension back if your income goes over a certain amount. This is called the OAS recovery tax.
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