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Canadian Pension Plan (CPP)


All Canadians contribute to the Canada Pension Plan.  Employers also match contributions to CPP.  
This is a benefit that you can collect as early as age 60, or as late as age 70.  It is one part of Canada's retirement income for Canadians. The second part of retirement income is Old Age Secruity (OAS). 

CPP first started in 1965 and its premiums are calculated based on earnings. All Canadians who are employed and over the age of 18 contribute to the CPP program. This is administered by Human Resources and Social Development Canada for employees in all provinces and territories except Quebec.  

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