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Canada Pension Plan
There are three kinds of Canada Pension Plan benefits: disability benefits (which include benefits for disabled contributors and benefits for their dependent children); retirement pension; and survivor benefits (which include the death benefit, the survivor's pension and the children's benefit). If you contributed to the <abbr>CPP</abbr>, you are entitled to a retirement pension at the age of 65. You must apply to receive these benefits, and you should apply at least 6 months before you want to receive them. You can apply as early as 60, but your benefits will be reduced.
Source: Social Development Canada
Canada Pension Plan Disability Benefits
The Canada Pension Plan pays a monthly benefit to people who have contributed to the Plan and who are disabled according to Canada Pension Plan legislation. It also pays monthly benefits for their dependent children. This site developed by Human Resources Development Canada explains how this program is administered.
Source: Human Resources and Skills Development Canada (HRSDC)
Survivor Benefits
Canada Pension Plan survivor benefits are paid to a deceased contributor's estate, surviving spouse or common-law partner and dependent children. This site developed by Service Canada, explains how the survivor benefits are administered.
Source: Service Canada
The Canada Pension Plan Child-Rearing Provision
The <abbr>CPP</abbr> has several provisions built in to protect your benefit from periods of low earnings. One is called the "child rearing drop-out provision" or <abbr>CRDO</abbr>.
Source: Social Development Canada
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