Canada Pension Plan (CPP) contributions deducted from your pay

If you are 18 years old or older, but younger than 65, you are employed in pensionable employment, and you do not receive a CPP retirement or disability pension, your employer will deduct CPP contributions from your pay.

If you are at least 65 years of age but under 70 and you work while receiving a CPP or QPP retirement pension, your employer will continue to deduct CPP contributions from your pay, unless you elect to stop paying CPP contributions. You cannot elect to stop contributing to the CPP until you are at least 65 years of age. For more information, see Canada Pension Plan (CPP) contributions for CPP working beneficiaries.

The CPP provides basic benefits when you, a contributor to the plan, become disabled or retires. In the event of your death, the plan provides benefits to your survivors.

Your employer will calculate how much CPP to deduct with approved calculation tools, using the annual CPP contribution rates and maximums.

Your employer remits these deductions to us, along with his or her share of contributions, through payroll remittances.

To get information on the CPP, visit Service Canada.

Date modified:

2015-12-10