Canada Pension Plan Post-Retirement Benefit (PRB) – How much could you receive

3. How much could you receive

Like the CPP retirement pension, the amount of each PRB will depend on how much you earn, the amount of CPP contributions you made during the previous year, and your age as of the start date of the PRB.

You can get an estimate of your PRB amount by using the Canadian Retirement Income Calculator (CRIC). The CRIC can also give you an idea of your other retirement income, including CPP and OAS benefit estimates.

The maximum PRB for one year is equal to 1/40th of the maximum CPP retirement pension. If you contribute less than the maximum, the amount of the year's PRB will be proportional to your contributions. For example, if you contributed half of the maximum contribution level, you will receive 50 percent of the maximum PRB.

Note:

Working the same year you start receiving your CPP retirement pension.

If you work in the same year that your retirement pension begins, we will determine which portion of that year's contributions will go toward the retirement pension and which portion, if any, will go toward the PRB.

Calculations based on year of birth and expected annual earnings

Select your year of birth and from the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note:

This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note:

The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Canada Pension Plan Post-Retirement Benefit - Born in 1944

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $43.07 $42.43 $41.79 $41.15
$7,500 $64.60 $63.64 $62.68 $61.72
$10,000 $86.13 $84.85 $83.57 $82.29
$12,500 $107.67 $106.07 $104.47 $102.87
$15,000 $129.20 $127.28 $125.36 $123.44
$17,500 $150.74 $148.50 $146.26 $144.02
$20,000 $172.27 $169.71 $167.15 $164.59
$22,500 $193.80 $190.92 $188.04 $185.16
$25,000 $215.34 $212.14 $208.94 $205.74
$27,500 $236.87 $233.35 $229.83 $226.31
$30,000 $258.40 $254.56 $250.72 $246.88
$32,500 $279.94 $275.78 $271.62 $267.46
$35,000 $301.47 $296.99 $292.51 $288.03
$37,500 $323.01 $318.21 $313.40 $308.60
$40,000 $344.54 $339.42 $334.30 $329.18
$42,500 $366.07 $360.63 $355.19 $349.75
$45,000 $387.61 $381.85 $376.09 $370.33
$47,500 $409.14 $403.06 $396.98 $390.90
$50,000 $430.67 $424.27 $417.87 $411.47
$52,500 $440.15 $433.61 $427.07 $420.52
Canada Pension Plan Post-Retirement Benefit - Born in 1945

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $40.51 $39.87 $39.23 $38.59
$7,500 $60.76 $59.80 $58.84 $57.88
$10,000 $81.01 $79.73 $78.45 $77.17
$12,500 $101.27 $99.67 $98.07 $96.47
$15,000 $121.52 $119.60 $117.68 $115.76
$17,500 $141.78 $139.53 $137.29 $135.05
$20,000 $162.03 $159.47 $156.91 $154.35
$22,500 $182.28 $179.40 $176.52 $173.64
$25,000 $202.54 $199.34 $196.14 $192.93
$27,500 $222.79 $219.27 $215.75 $212.23
$30,000 $243.04 $239.20 $235.36 $231.52
$32,500 $263.30 $259.14 $254.98 $250.82
$35,000 $283.55 $279.07 $274.59 $270.11
$37,500 $303.80 $299.00 $294.20 $289.40
$40,000 $324.06 $318.94 $313.82 $308.70
$42,500 $344.31 $338.87 $333.43 $327.99
$45,000 $364.56 $358.80 $353.04 $347.28
$47,500 $384.82 $378.74 $372.66 $366.58
$50,000 $405.07 $398.67 $392.27 $385.87
$52,500 $413.98 $407.44 $400.90 $394.36
Canada Pension Plan Post-Retirement Benefit - Born in 1946

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $37.95 $37.31 $36.67 $36.03
$7,500 $56.92 $55.96 $55.00 $54.04
$10,000 $75.89 $74.61 $73.33 $72.05
$12,500 $94.87 $93.27 $91.67 $90.07
$15,000 $113.84 $111.92 $110.00 $108.08
$17,500 $132.81 $130.57 $128.33 $126.09
$20,000 $151.79 $149.23 $146.67 $144.11
$22,500 $170.76 $167.88 $165.00 $162.12
$25,000 $189.73 $186.53 $183.33 $180.13
$27,500 $208.71 $205.19 $201.67 $198.15
$30,000 $227.68 $223.84 $220.00 $216.16
$32,500 $246.65 $242.49 $238.33 $234.17
$35,000 $265.63 $261.15 $256.67 $252.19
$37,500 $284.60 $279.80 $275.00 $270.20
$40,000 $303.58 $298.45 $293.33 $288.21
$42,500 $322.55 $317.11 $311.67 $306.23
$45,000 $341.52 $335.76 $330.00 $324.24
$47,500 $360.50 $354.42 $348.33 $342.25
$50,000 $379.47 $373.07 $366.67 $360.27
$52,500 $387.82 $381.28 $374.73 $368.19
Canada Pension Plan Post-Retirement Benefit - Born in 1947

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $35.39 $34.75 $34.11 $33.47
$7,500 $53.08 $52.12 $51.16 $50.20
$10,000 $70.77 $69.49 $68.21 $66.93
$12,500 $88.47 $86.87 $85.27 $83.67
$15,000 $106.16 $104.24 $102.32 $100.40
$17,500 $123.85 $121.61 $119.37 $117.13
$20,000 $141.55 $138.99 $136.43 $133.87
$22,500 $159.24 $156.36 $153.48 $150.60
$25,000 $176.93 $173.73 $170.53 $167.33
$27,500 $194.63 $191.11 $187.59 $184.07
$30,000 $212.32 $208.48 $204.64 $200.80
$32,500 $230.01 $225.85 $221.69 $217.53
$35,000 $247.71 $243.23 $238.75 $234.27
$37,500 $265.40 $260.60 $255.80 $251.00
$40,000 $283.09 $277.97 $272.85 $267.73
$42,500 $300.79 $295.35 $289.91 $284.46
$45,000 $318.48 $312.72 $306.96 $301.20
$47,500 $336.17 $330.09 $324.01 $317.93
$50,000 $353.87 $347.47 $341.07 $334.66
$52,500 $361.65 $355.11 $348.57 $342.03
Canada Pension Plan Post-Retirement Benefit - Born in 1948

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $32.83 $32.19 $31.55 $30.91
$7,500 $49.24 $48.28 $47.32 $46.36
$10,000 $65.65 $64.37 $63.09 $61.81
$12,500 $82.07 $80.47 $78.87 $77.27
$15,000 $98.48 $96.56 $94.64 $92.72
$17,500 $114.89 $112.65 $110.41 $108.17
$20,000 $131.31 $128.75 $126.18 $123.62
$22,500 $147.72 $144.84 $141.96 $139.08
$25,000 $164.13 $160.93 $157.73 $154.53
$27,500 $180.55 $177.02 $173.50 $169.98
$30,000 $196.96 $193.12 $189.28 $185.44
$32,500 $213.37 $209.21 $205.05 $200.89
$35,000 $229.78 $225.30 $220.82 $216.34
$37,500 $246.20 $241.40 $236.60 $231.80
$40,000 $262.61 $257.49 $252.37 $247.25
$42,500 $279.02 $273.58 $268.14 $262.70
$45,000 $295.44 $289.68 $283.92 $278.16
$47,500 $311.85 $305.77 $299.69 $293.61
$50,000 $328.26 $321.86 $315.46 $309.06
$52,500 $335.49 $328.94 $322.40 $315.86
Canada Pension Plan Post-Retirement Benefit - Born in 1949

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $30.31 $29.80 $29.28 $28.77
$7,500 $45.46 $44.70 $43.93 $43.16
$10,000 $60.62 $59.59 $58.57 $57.55
$12,500 $75.77 $74.49 $73.21 $71.93
$15,000 $90.93 $89.39 $87.85 $86.32
$17,500 $106.08 $104.29 $102.50 $100.70
$20,000 $121.24 $119.19 $117.14 $115.09
$22,500 $136.39 $134.09 $131.78 $129.48
$25,000 $151.54 $148.98 $146.42 $143.86
$27,500 $166.70 $163.88 $161.07 $158.25
$30,000 $181.85 $178.78 $175.71 $172.64
$32,500 $197.01 $193.68 $190.35 $187.02
$35,000 $212.16 $208.58 $204.99 $201.41
$37,500 $227.32 $223.48 $219.63 $215.79
$40,000 $242.47 $238.37 $234.28 $230.18
$42,500 $257.62 $253.27 $248.92 $244.57
$45,000 $272.78 $268.17 $263.56 $258.95
$47,500 $287.93 $283.07 $278.20 $273.34
$50,000 $303.09 $297.97 $292.85 $287.73
$52,500 $309.76 $304.52 $299.29 $294.06
Canada Pension Plan Post-Retirement Benefit - Born in 1950

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $28.26 $27.75 $27.24 $26.72
$7,500 $42.39 $41.62 $40.85 $40.09
$10,000 $56.52 $55.50 $54.47 $53.45
$12,500 $70.65 $69.37 $68.09 $66.81
$15,000 $84.78 $83.25 $81.71 $80.17
$17,500 $98.91 $97.12 $95.33 $93.54
$20,000 $113.04 $110.99 $108.95 $106.90
$22,500 $127.17 $124.87 $122.56 $120.26
$25,000 $141.30 $138.74 $136.18 $133.62
$27,500 $155.43 $152.62 $149.80 $146.98
$30,000 $169.56 $166.49 $163.42 $160.35
$32,500 $183.69 $180.37 $177.04 $173.71
$35,000 $197.82 $194.24 $190.66 $187.07
$37,500 $211.95 $208.11 $204.27 $200.43
$40,000 $226.08 $221.99 $217.89 $213.80
$42,500 $240.21 $235.86 $231.51 $227.16
$45,000 $254.34 $249.74 $245.13 $240.52
$47,500 $268.48 $263.61 $258.75 $253.88
$50,000 $282.61 $277.48 $272.36 $267.24
$52,500 $288.82 $283.59 $278.36 $273.12
Canada Pension Plan Post-Retirement Benefit - Born in 1951

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $26.21 $25.70 $25.19 $24.68
$7,500 $39.32 $38.55 $37.78 $37.01
$10,000 $52.42 $51.40 $50.38 $49.35
$12,500 $65.53 $64.25 $62.97 $61.69
$15,000 $78.64 $77.10 $75.56 $74.03
$17,500 $91.74 $89.95 $88.16 $86.37
$20,000 $104.85 $102.80 $100.75 $98.70
$22,500 $117.96 $115.65 $113.35 $111.04
$25,000 $131.06 $128.50 $125.94 $123.38
$27,500 $144.17 $141.35 $138.54 $135.72
$30,000 $157.27 $154.20 $151.13 $148.06
$32,500 $170.38 $167.05 $163.72 $160.40
$35,000 $183.49 $179.90 $176.32 $172.73
$37,500 $196.59 $192.75 $188.91 $185.07
$40,000 $209.70 $205.60 $201.51 $197.41
$42,500 $222.80 $218.45 $214.10 $209.75
$45,000 $235.91 $231.30 $226.69 $222.09
$47,500 $249.02 $244.15 $239.29 $234.42
$50,000 $262.12 $257.00 $251.88 $246.76
$52,500 $267.89 $262.66 $257.42 $252.19
Canada Pension Plan Post-Retirement Benefit - Born in 1952

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $24.16 $23.65 $23.14 $22.63
$7,500 $36.25 $35.48 $34.71 $33.94
$10,000 $48.33 $47.30 $46.28 $45.26
$12,500 $60.41 $59.13 $57.85 $56.57
$15,000 $72.49 $70.96 $69.42 $67.88
$17,500 $84.57 $82.78 $80.99 $79.20
$20,000 $96.66 $94.61 $92.56 $90.51
$22,500 $108.74 $106.43 $104.13 $101.83
$25,000 $120.82 $118.26 $115.70 $113.14
$27,500 $132.90 $130.09 $127.27 $124.45
$30,000 $144.98 $141.91 $138.84 $135.77
$32,500 $157.07 $153.74 $150.41 $147.08
$35,000 $169.15 $165.56 $161.98 $158.40
$37,500 $181.23 $177.39 $173.55 $169.71
$40,000 $193.31 $189.22 $185.12 $181.02
$42,500 $205.39 $201.04 $196.69 $192.34
$45,000 $217.48 $212.87 $208.26 $203.65
$47,500 $229.56 $224.69 $219.83 $214.97
$50,000 $241.64 $236.52 $231.40 $226.28
$52,500 $246.96 $241.72 $236.49 $231.26
Canada Pension Plan Post-Retirement Benefit - Born in 1953

From the left-hand column, choose the annual earnings closest to the amount you expect to make in 2012.

Note: This amount should be in gross dollars for employees and in net dollars for self-employed individuals.

Follow that line across the table and select the column that corresponds most closely with the month of your birth. The amount in this column is the estimated amount of benefits you will receive from the PRB each year, beginning in 2013.

Note: The benefit payments shown in the chart below are expressed in today’s dollars, calculated using the 2011 maximum pension amount. Today's dollars allows you to make a meaningful comparison of your future retirement income and future expenses. Basically, it's as if you were to start your retirement pension today. The actual benefit payment you may receive will be slightly higher as it will be calculated using the 2013 maximum pension amount (not available at this time).

Yearly Post-Retirement Benefit Amount
Annual earnings

in 2012
January April July October
$5,000 $22.12 $21.60 $21.09 $20.58
$7,500 $33.17 $32.41 $31.64 $30.87
$10,000 $44.23 $43.21 $42.18 $41.16
$12,500 $55.29 $54.01 $52.73 $51.45
$15,000 $66.35 $64.81 $63.28 $61.74
$17,500 $77.41 $75.61 $73.82 $72.03
$20,000 $88.46 $86.42 $84.37 $82.32
$22,500 $99.52 $97.22 $94.91 $92.61
$25,000 $110.58 $108.02 $105.46 $102.90
$27,500 $121.64 $118.82 $116.00 $113.19
$30,000 $132.70 $129.62 $126.55 $123.48
$32,500 $143.75 $140.42 $137.10 $133.77
$35,000 $154.81 $151.23 $147.64 $144.06
$37,500 $165.87 $162.03 $158.19 $154.35
$40,000 $176.93 $172.83 $168.73 $164.64
$42,500 $187.99 $183.63 $179.28 $174.93
$45,000 $199.04 $194.43 $189.83 $185.22
$47,500 $210.10 $205.24 $200.37 $195.51
$50,000 $221.16 $216.04 $210.92 $205.80
$52,500 $226.02 $220.79 $215.56 $210.32
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