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Organization:
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Canada. Canada Pension Plan
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Address:
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c/o c/o Service Canada, Stn D
c/o Service Canada, Stn D; PO Box 5100
Scarborough, ON
M1R 5C8
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Map
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Hours:
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Recorded information Mon-Sun 24 hours, all Mon-Fri 8:30 am-4:30 pm to speak to an agent
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Service Description:
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Monthly retirement pension, beginning as early as 60 years or as late as 70 years- full pension if started at 65 years
- reduced pension if started before 65
yearsincreased pension if started after 65 yearsPost-Retirement Benefit -- for workers 60-70 years who continue to contribute to CPP while receiving a CPP pension
Disability benefits -- for contributors under 65 years- allowance for dependent children
Survivor benefits -- monthly pension for surviving spouse or common law partner- children's benefit for dependent children of deceased contributor
- death benefit (lump sum payment to estate, or persons responsible for funeral costs)
Amount of benefits payable is in proportion to contributions- pension credits earned by either spouse may be divided equally (credit splitting) on termination of marriage or common law partnership
Social Security Tribunal, 1-877-227-8577 -- independent appeal process for Canada Pension Plan decisions, see separate entry
Program of Employment and Social Development Canada, delivered by Service Canada
Retirement Hub - information and resources on pensions and retirement planning
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Application:
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Apply 6 months before you want your pension to start (not automatic)
- apply online, by mail or in person at Service Canada sites -- see separate entries
- application forms available online
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Eligibility / Target Population:
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Contributors to the Canada Pension Plan (CPP)
Canada has reciprocal social security agreements with many countries, which may allow people who have lived or worked in another country to qualify for a foreign pension
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