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Apply

What to know before you start

Plan to apply early

Apply in advance to ensure your CPP retirement pension starts on your chosen date. You can apply up to 12 months before your chosen start date.

Gather your information

You will need the following:

  • Your Social Insurance Number (SIN)
  • Direct Deposit information:
    • Name of your financial institution
    • Branch (transit) number
    • Account number
  • If you have lived or worked in a country other than Canada:
    • Country name
    • Insurance number
    • Start and end date
  • If applying for Child Rearing Provision:
    • Child's full name
    • Child's Social Insurance Number
    • Child's date of birth
    • Documentation showing the child's date of entry into Canada (if born outside Canada):
      • Canadian immigration records (IMM 1000)
      • Complete passport
      • Customs declaration
      • Airline ticket
      • Bus ticket
      • Ship ticket
    • Dates when you did not receive Family Allowance or were not eligible for the Canada Child Benefit
    • Dates that you weren't the primary caregiver for the child(ren)

If you are receiving a CPP disability benefit

When you turn 65, your CPP disability benefit will automatically change to a CPP retirement pension.

If you lived or are living outside of Canada

If you are applying from outside of Canada, you must use a paper application. Send your application to the Service Canada office in your last province or territory of residence. Learn more about pensions and benefits if you have lived or are living outside Canada.

You must apply to receive the CPP retirement pension. Before you start your application, check that:

Apply

Apply online through your My Service Canada Account (MSCA). It’s fast, easy and secure.

Steps to apply using MSCA

  1. Sign in to your MSCA or create an account using the "Apply using MSCA" button
  2. Once signed into MSCA, go to "Canada Pension Plan" section on your MSCA dashboard
  3. Click on "Apply for Canada Pension Plan retirement pension" and follow the instructions

Apply using MSCA

How long it will take to process your application

Expect a decision by mail within 28 days from when we receive the application.

Other way to apply

By mail

Apply with a paper form

1. Complete the form:

2. Choose and complete an option (if required):

If someone is helping you communicate with Service Canada

You can authorize another person to communicate with Service Canada on your behalf by:

This does not give that person consent to:

  • Apply for benefits on your behalf
  • Change your payment address
  • Request or change the withholding of tax
If you are applying on someone's behalf

To act as an administrator for someone who cannot manage their own pension and benefits, you must:

  1. Have a medical professional complete the Certificate of Incapability form (ISP-3505)
  2. Choose and complete the form that applies to you:

3. Submit the form(s) by mail

How long will it take to process your application

Expect a decision by mail within 120 days from when we receive the application

Contact us

Need help applying for the Canada Pension Plan retirement pension? Contact us.

Page details

2026-10-14

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