Receiving your benefits
Once your CPP retirement pension begins, you will receive monthly payments for the rest of your life.
Sign in to My Service Canada (MSCA) or create an account to:
- View your payment dates and information
- Request or change tax deductions from your CPP payments
- Download your tax slips
Receive your payments
Direct deposit
Direct deposit is the fastest, easiest, and most secure way to receive your payments. Contact us to sign up or update your direct deposit to receive payments directly in your bank account.
View the direct deposit payment dates.
Payment by cheque
Cheques will be mailed the last 3 business days of each month. To avoid any payment delays, sign up for direct deposit .
When your monthly amount may increase
Your monthly payment will increase every January if the cost of living goes up. This increase is based on the Consumer Price Index. If your cost of living goes down, your payments will not decrease.
Tax deduction and tax slips
Learn how to manage your taxes and access your tax slips to:
- Request or change tax deductions from your CPP payments
- Download your tax slips
Why request monthly tax deductions from your payments
If you live in Canada, taxes are not automatically taken off your monthly CPP payments. To avoid owing taxes when you file your income tax return, you can request monthly tax deductions.
If you live outside Canada
Non-resident tax may be deducted from your CPP payments. The rate depends on the country where you live. Check the Non-Resident Tax Rates by Country list to find the rate that applies to you.
How to stop CPP benefits
Cancel your CPP after it starts
You can cancel your CPP retirement pension up to 12 months after your first payment.
To submit a request, write a letter and send it by mail.
What to include in your letter:
- Full name
- Social Insurance Number (SIN)
- Date of birth
- Mailing address and telephone number
- A clear statement that you wish to cancel your CPP pension
- The date your CPP payments began (if known)
- Your signature and the date
When someone dies
Notify us as soon as possible when someone dies to avoid overpayment.
Find out how to cancel CPP benefits on behalf of a deceased person.
The estate and survivors may be eligible for other benefits, such as:
- Death benefit: A one-time payment on behalf of the deceased contributor
- Survivor's pension: A monthly payment to the surviving spouse or common-law partner
- CPP children's benefit: A monthly benefit for a dependent child of a deceased CPP contributor
Contact us
Need help? Contact us:
- If someone receiving benefits dies
- To sign up or update your direct deposit
- To update mailing address or telephone number
- To cancel CPP benefits
If someone is helping you communicate with Service Canada
You can authorize someone to communicate with Service Canada on your behalf by signing in to your My Service Canada Account and selecting the "Give consent to communicate on my behalf" link.
This does not give someone consent to:
- apply for benefits on your behalf
- change your payment address
- request or change the withholding of tax