Other CPP benefits

From: Employment and Social Development Canada

In addition to the CPP retirement pension, you may also qualify for other CPP benefits. In most cases, you will need to apply.

Retirement

CPP Post-retirement benefit

You qualify for the CPP Post-retirement benefit if you work while receiving your CPP retirement pension while under age 70 and decide to keep making contributions. These contributions will go toward post-retirement benefits, which will increase your retirement income.

Each year you contribute to the CPP will result in an additional post retirement benefit. We will automatically pay you this benefit the following year. You’ll receive it for the rest of your life.

You can choose to stop your post-retirement contributions when you reach age 65. Even if you’re still working, your contributions will stop when you reach age 70. We will contact you if we need more information for you to qualify.

Disability

CPP disability pension

You can’t receive a CPP disability pension and a CPP retirement pension at the same time. We will automatically convert your CPP disability pension to a CPP retirement pension when you turn 65.

CPP Post-retirement disability benefit

If you’re receiving the CPP retirement pension, are under age 65, and you have a severe and prolonged disability, you may qualify for a CPP post-retirement disability benefit if you made enough CPP contributions. We will add the amount to your monthly CPP retirement pension payment. You will receive it until you turn 65. You have to apply for this benefit.

Children’s benefit

A monthly benefit for dependent children (under age 18 or between 18 and 25 and attending school full time) of someone receiving a CPP disability benefit.

After a death

CPP survivor's pension

If you’re already receiving a CPP survivor's pension when you start receiving your CPP retirement pension, or vice versa, we will combine the two pensions for you. The calculation for combining the two pensions follows specific rules and may not equal the sum of the 2 pensions. You need to apply for this benefit.

Children’s benefit

A monthly benefit for dependent children (under age 18 or between 18 and 25 and attending school full time) of deceased CPP contributors.

Death Benefit

If you die and are a CPP contributor, the Death benefit provides a one-time payment to (or on behalf of) your estate.

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