Your personalized checklist

The age you choose to take your retirement affects when you can start receiving your benefits, how you need to apply for them, and what planning steps you should take.

Explore effective ways to plan beforehand:

• Prepare for retirement
• Planning and saving for retirement
• When to start your Canada Pension Plan retirement pension

• Budget Planner
• Canadian Retirement Income Calculator
• Old Age Security Benefits Estimator
• Benefits Finder

Learn how your public pensions, workplace pensions and savings can work together for your retirement income. Understanding where your money comes from can help you set goals and make decisions more easily.

Canada Pension Plan (CPP) disability benefits help people under 65 who have paid into the CPP and can no longer work because of a severe and long-term disability. Visit the Canada Pension Plan disability benefits website for more information.

Learn more about other benefits and support you may be entitled to.

• Canada Pension Plan survivor's pension: If you are the legal spouse or common-law partner of a deceased CPP contributor
• Canada Pension Plan death benefit: A one-time payment on behalf of a deceased CPP contributor

Learn how your income can affect your eligibility for pension benefits.

• Canada Pension Plan Post-Retirement Benefit
• Guaranteed Income Supplement earnings exemption

To apply online, sign in or register for a My Service Canada Account.

To apply in person or by mail, you must complete a paper application form.

• Old Age Security Pension
• Guaranteed Income Supplement
• Canada Pension Plan retirement pension

Use your My Service Canada Account to manage your public pensions online:

• Check your application status
• Change your income tax deduction, address and banking information
• View you pension payments and contribution history
• Add a person to consent to communicate on your behalf

You have the possibility to designate a trusted individual to help manage your pension benefits or act on your behalf. This approach can be useful if you need assistance understanding programs or completing administrative procedures.

• Appointing a representative to your account

• While receiving Old Age Security
• While receiving Guaranteed Income Supplement
• After you apply for your Canada Pension Plan retirement pension

Stay safe and comfortable at home. Explore housing options, access healthcare services, and learn about dental benefits.

• Housing options for seniors
• Home and continuing health care
• Home and community health care
• Canadian Dental Care Plan

Where you live when you retire, may have an impact on your pension benefit. Learn more about living outside Canada during retirement.

• Lived or living outside of Canada - Pensions and Benefits
• Receiving payment of Old Age Security and Canada Pension Plan benefits outside Canada
• Taxes on pensions and benefits for those outside Canada
• Retiring outside Canada

• Protect yourself from scams and fraud
• Retirement stories
• Contact us for support