How to Provide the Needed Information
The QPP and the CPP have pension sharing Agreements with each other and offer comparable pensions. The pension amount you will receive reflects all contributions made to both Plans. However, you need only apply to the Plan reflecting your last year of residence. That Plan’s rules will then apply to all your benefits.
Cautionary Notes on Our Analyses
Your CPP and QPP pensions can vary depending upon when you retire from working, and whether those earnings rise or fall. It is best to check with the Canada Pension Plan or the Quebec Pension Plan close to the time you are considering taking your retirement benefits. They can provide you with your estimated monthly pension benefit at age 65 or at any later age you specify. Their estimates assume that you continue working as in the past. Call CPP at 1-800-277-9914 or QPP at 1-800-463-5185.
If you are already receiving or expect to receive a survivor’s pension, our analysis may not be useful. If you are in poor health, the numbers in our analysis will not be accurate. In our analysis, we rely upon the information you provide to give you meaningful results.