Canada Pension Plan

The Canada Pension Plan Retirement Pension

March 2010

This publication contains general information on the Canada Pension Plan (CPP) retirement pension. In case of dispute, the wording and provisions of the Canada Pension Plan and Regulations prevail.

Service Canada delivers the CPP program and services on behalf of Human Resources and Skills Development Canada.

• Catalogue number ISPB 147-03-10E
• The Canada Pension Plan Retirement Pension (PDF, 616 KB).

Apply online for the Canada Pension Plan retirement pension

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• The CPP retirement pension
• Applying for your retirement pension
• Receiving your retirement pension
• Sharing your retirement pension
• Combining CPP benefits
• General information about the Canada Pension Plan
• Contributions on employment income
• Appealing a decision
• Protecting your information
• Taxation and your CPP benefits
• Other benefits
• Online services
• Contact us

The CPP retirement pension

The Government of Canada established the CPP program in 1966. It is an earnings related social insurance program that provides basic benefits when a contributor to the plan retires or becomes disabled. When contributors die, the Plan provides benefits to their survivors.

What is a CPP retirement pension?

A CPP retirement pension is a monthly benefit paid to people who have contributed to the Canada Pension Plan. The pension is designed to replace about 25% of a person's earnings from employment, up to a maximum amount. For 2010, the maximum amount is $934.17.

How do I qualify?

You qualify for a CPP retirement pension if you worked and have made at least one valid contribution (payment) to the Plan and if:

• you are at least 65 years old; or
• you are between 60 and 64 years old, and you meet the earnings and contributions requirements set out in the legislation.

Your retirement pension does not start automatically. You must apply for it unless you are already receiving a CPP disability benefit and you turn 65, at which point your disability benefit automatically changes to a retirement pension. Your CPP retirement pension will likely be less than your disability benefit. However, you can also apply for the Old age Security (OAS) pension and, depending on your income, the Guaranteed Income Supplement (GIS). Your spouse or common-law partner may also be eligible for the Allowance benefit. You will receive an application form for the OAS at least six months before you turn 65.

If I am between 60 and 64, how do I qualify for a retirement pension?

To qualify for a retirement pension between the ages of 60 and 64, you need to do one of the following:

• Stop working and receive no earnings
• This means that you are not working by the end of the month before the CPP retirement pension begins and during the month in which it begins.
  • Example: If you want your pension to begin in April, you have to stop working by the end of March and you cannot work during the month of April.

OR

• Earn less than a specified amount
• This means you earn less than the current monthly maximum CPP retirement pension payment ($934.17 in 2010) in the month before your pension begins and in the month it begins.
  • Example: If you want your pension to begin in April 2010, you need to earn less than $934.17 in both March and April. Once you start receiving your CPP pension, you can work as much as you want without affecting your pension amount. However, you cannot contribute to the CPP on any future earnings from employment.

How is my CPP retirement pension calculated?

Your CPP retirement pension is based on how much, and for how long, you contributed to the CPP, or to both the CPP and the Quebec Pension Plan (QPP). The age at which you choose to retire also affects the amount you receive.

The CPP protects your pension by making certain adjustments before calculating 25% of the earnings you contributed over your working life. For example, some low-earning periods during your career may be "dropped out," so they do not reduce the amount of your pension.

Every year, the CPP retirement pension is indexed to the Consumer Price Index. The average monthly retirement pension (at age 65) in January 2010 was $502.57.

How does my age affect the amount of my pension?

Although your CPP retirement pension usually starts the month after your 65th birthday, you can begin receiving your CPP retirement pension anytime after age 60. Your monthly payment is smaller if you begin receiving it before age 65, and larger if you take it after. The CPP offers you flexibility with respect to the age you retire. You can take your pension as early as age 60 or receive a larger pension if you wait until you turn 65 to begin receiving it.

• If you start your pension between 60 and 65: The CPP reduces your pension amount by 0.5 percent for each month before age 65, calculated from the time you begin receiving your pension. The maximum reduction is 30 percent, which applies if you start receiving your CPP pension on your 60th birthday. This adjustment is permanent–if you choose to start your pension before age 65, your reduced pension amount does not increase when you reach 65.
• If you start your CPP retirement pension at age 65: You will get the full pension amount you are eligible to receive.
• If you start your pension between 65 and 70: The CPP increases your pension amount by 0.5 percent for each month after age 65 and before age 70, calculated from the time you begin receiving your pension. The maximum increase is 30 percent, which applies if you start receiving your CPP pension at age 70.
• If you start your pension after age 70: If you delay starting your pension until after you turn 70, you will only receive the pension amount you would have received at age 70. There is no financial benefit in delaying receiving your pension after the age of 70.

How do I decide when to take my retirement pension?

The decision is yours, and depends on your circumstances. Some considerations are:

• whether or not you still earn an income and contribute to the CPP;
• how long you have contributed;
• how much you have contributed and the amount of pension you can expect to receive;
• your other retirement income;
• your health; and
• your retirement plans.

What happens if you don't work after the age of 60 and delay receiving your pension until you turn 65?

For many in this situation, the extra five years of no earnings will lower the amount of CPP retirement pension payable at age 65. This is because the period you are expected to pay into the CPP continues until you start receiving your retirement pension. For this reason, you should carefully consider your personal situation when deciding when to start your CPP retirement pension.

Can I get an estimate of my retirement pension before I decide to apply?

Yes. For an estimate of your CPP retirement pension, check your CPP Statement of Contributions, or contact us.

The closer you are to the date you want your pension to begin, the more accurate the estimate will be.

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Applying for your retirement pension

When should I apply?

Although you are not required to do so, it is best to apply at least six months before you want your pension to begin. Please note that there are legislative restrictions on retroactive payments. A delay in applying could result in lost benefits. For information, contact us.

How do I apply?

You must fill out an application form. Application kits are available from our Web site, or you can ask us to mail a kit to you. You can also apply for your CPP retirement pension on the Internet (see the section called "Online services" on page 31 for details).

Did you have children after 1958?

If your earnings either stopped or were lower because you were raising your children under the age of seven, you can ask us to exclude that period of time from the calculation of your retirement pension. This is called the child-rearing provision. It means we may not count these child-rearing years when calculating the amount of your benefit, and it ensures that you get the highest possible payment. Please contact us to find out more.

What happens if a CPP contributor dies before applying for a retirement pension?

If a CPP contributor dies before applying, we cannot pay his or her retirement pension to anyone unless the deceased contributor was over 70 and the application was submitted within one year of the death. In this case, up to 12 months of retirement benefits can be paid. In addition, his or her spouse or common-law partner may be eligible for a CPP survivor's pension. For more information about the CPP survivor's pension, contact us.

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Receiving your retirement pension

When does my pension begin?

From age 60 to 65 - You can start receiving your retirement pension the month after you stop working or after you earn less than the allowable maximum pension payment ($934.17 in 2010) for two consecutive months.

• If you apply to receive your retirement pension once you turn 60, your pension will start the month after your 60th birthday.
• If you apply to receive your retirement pension after you turn 60 but before you turn 65, your pension will start the month after we receive your application (or at a later date if you specify one).

From age 65 on – You can start receiving your pension the month after your 65th birthday (or at a later date if you specify one). Or, you can choose to have your pension paid back to a maximum of 11 months from the date we receive your application, but no earlier than the month after your 65th birthday.

What if I change my mind after I start receiving my pension?

You can cancel your retirement pension up to six months after it starts, but you must request the cancellation in writing. You must also pay back all the benefits you received, and pay CPP contributions on any earnings while you were receiving the pension.

What if I become disabled after I begin receiving my CPP retirement pension?

Your retirement benefit may be replaced by a disability benefit. You may be eligible to receive a disability benefit if:

• you are under the age of 65;
• you have been receiving your CPP retirement pension for less than 15 months; and
• you can be deemed disabled, as defined by the CPP legislation, before the effective date of your retirement pension.

If you meet the above criteria and are granted a disability benefit, you must make a written request to cancel your retirement pension in favour of the disability benefit.

Any retirement pension payments you have already received may be deducted from your disability benefit. For more information on the CPP disability benefit, contact us to order the booklet called Disability Benefits – Canada Pension Plan, or visit our Web site at www.servicecanada.gc.ca.

When can I expect to receive my payments each month?

CPP retirement payments usually arrive during the last three banking days of each month. Please see the section called "Can you send the payment to my bank?" on page 22 for more information.

When do payments stop?

The last payment is for the month in which the contributor dies.

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Sharing your retirement pension

What does "pension sharing" mean?

Spouses or common-law partners who are together, who are at least 60 years old, and who receive CPP retirement pensions can share their pension benefits. This may result in tax savings. If only one of you is a CPP contributor, you share that one pension. The overall benefits paid do not increase or decrease with pension sharing.

What is a "spouse" or a "common-law partner"?

A "spouse" is a person to whom you are legally married. According to the CPP, a "common-law partner" is a person who has lived in a conjugal relationship with a partner of either sex for at least one year.

How does pension sharing work?

You or your spouse or common-law partner can apply to receive an equal share of the retirement pensions you both earned during the years you were together. The amounts depend on how long you lived together and your contributions to the CPP during that time.

For example, if you lived together for 20 years during both your contributory periods:

• you add together the pension earned by each of you during the 20-year period;
• you divide the total pension amount equally between you and your spouse or common-law partner; and
• each of you keeps the rest of your pension earned outside the time you lived together.

Your tax slips will show the amounts each of you received during the previous year.

The combined total amount of the two pensions stays the same.

When can we start sharing our pensions?

Pension sharing starts as soon as we approve your application. We cannot back-date the sharing arrangements.

Either one of you can apply if you are applying for or already receiving a CPP retirement pension. The application form is available online, or you can contact us to get one. It includes more information about pension sharing and how to apply.

What documents do you need to provide?

The documents required will depend on when you apply. If you apply for pension sharing at the same time as you apply for your retirement pension, you will need:

• your Social Insurance Number; and
• your original marriage certificate or proof of your common-law relationship. If you and your spouse or common-law partner already receive CPP retirement pensions, only your original marriage certificate or proof of your common-law relationship is needed.

When does pension sharing stop?

Your pension-sharing arrangement stops on whichever occurs earliest:

• if both you and your spouse or common-law partner ask us to end the arrangement;
• the 12^th month after you separate;
• the month you divorce;
• the month your common-law relationship ends;
• if one of you has never paid into the CPP (or QPP) and begins contributing and you do not apply for pension sharing of both retirement pensions; or
• the month one of you dies.

What happens to my CPP retirement pension when pension sharing ends?

The amount of the CPP pension will be the same as if there had been no pension sharing.

During the time you lived together, if you contributed less to the CPP than your spouse or partner or if you were not employed, the end of pension sharing could decrease the amount of your CPP benefits. If you contributed more to the CPP than your spouse or partner, your CPP benefit amount would increase.

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Combining CPP benefits

Can I receive another pension from the Canada Pension Plan while I am getting a CPP retirement pension?

Yes. If you already receive a CPP retirement pension, you can also receive a CPP survivor's pension if you are eligible. The two benefits will be combined into a single monthly payment.

Please note the following restrictions to benefit amounts:

• The most we can pay to a person who is eligible for both the CPP retirement pension and the CPP survivor's pension is equal to the maximum retirement pension (which is more than the maximum survivor's pension).
• The total amount of the combined CPP benefits we pay is adjusted based on the survivor's age and other benefits he or she receives. 

In other words, you cannot receive a full survivor's pension while also receiving a full CPP retirement pension.

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General information about the Canada Pension Plan

What benefits does the Canada Pension Plan provide?

There are three kinds of Canada Pension Plan benefits:

• the retirement pension;
• disability benefits (for contributors with a disability and their dependent children); and
• survivor benefits (including the death benefit, the survivor's pension, and the children's benefit).

The CPP operates throughout Canada. The Province of Quebec administers its own program, called the Quebec Pension Plan (QPP), for workers in Quebec. The two plans work together to ensure that all contributors are protected, no matter where they live.

How is the Canada Pension Plan financed?

The CPP is a "contributory" plan. This means that all costs are covered by the financial contributions that employees, employers, and self-employed workers pay, and from revenue earned on CPP investments. The CPP is not funded through general tax revenues.

What is the CPP Investment Board?

The CPP Investment Board invests CPP funds in financial markets, broadly following the same investment rules as other pension plans. It was created to operate at arm's length from the federal, provincial, and territorial governments. The Board is accountable to the public and regularly reports its investment results.

Visit www.cppib.ca for more information on the CPP Investment Board.

Who pays into the CPP?

With very few exceptions, every person in Canada over 18 who earns more than the basic exempted amount ($3,500 per year) must pay into the CPP (or the QPP in Quebec). You and your employer each pay half of the contributions. If you are self-employed, you pay both portions.

You do not make contributions if you receive a CPP or QPP disability benefit or retirement pension. At the age of 70, you stop contributing even if you have not started your retirement pension.

How much do I pay into the CPP?

The amount you pay is based on your employment earnings. If you are self-employed, it is based on your net business income (after expenses). You do not contribute on any other type of income, such as investment earnings. If, during a year, you contributed too much or earned less than a set minimum amount, your excess contributions will be calculated when you file your income taxes.

You pay contributions only on your annual earnings between a minimum and a maximum level (these are called your "pensionable" earnings).

The minimum level is frozen at $3,500. The maximum level is adjusted each January, based on increases in the average wage. In 2010, the maximum level is $47,200.

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Contributions on employment income

Why are my contributions important?

The CPP uses your contributions to determine whether you or your family are eligible for a benefit and, if so, what the amount of the benefit will be. Important factors include both how long and how much you contribute (up to the maximum each year).

Usually, the more you earn and contribute to the CPP over the years, the higher the benefit will be when you become entitled, because you have built up more CPP pension credits.

Your CPP credits can also be affected by "credit splitting." For details, see the section called "What is credit splitting?" on page 20.

What are CPP "pension credits"?

The CPP contributions you make over the years are called "pension credits." Generally, the more credits you have, the higher your CPP benefits will be.

What is my "contributory period" and how is it used?

The time during which you can contribute to the CPP is called your "contributory period." We use your contributions during this period to determine eligibility and to calculate the amount of any CPP benefit you are entitled to receive. You do not contribute while you receive a CPP disability benefit or during periods when your earnings stop or are lower while you care for your children under the age of seven; removing that time from your contributory period protects the calculation of your future benefits.

The CPP contributory period starts when you are 18 years of age (or January 1, 1966, whichever is later) and ends when you start getting your retirement pension or disability pension, or when you turn 70, or when you die.

If I had some low-earning years, will that reduce my pension?

CPP calculations include both how much and how long you contributed.

To keep your pension as high as possible, we may drop the following parts of your contributory period from the calculation:

• periods when you stop working or your earnings are lower while you raise your children under the age of seven;
• any month when you were in receipt of a CPP disability benefit; and
• up to 15 percent of your contributory period in which your earnings were lowest.

How does the CPP keep track of my contributions?

Since the Canada Pension Plan was implemented in 1966, the Government of Canada has kept a record for each person who pays into the CPP, and for people who pay into both the CPP and QPP. This information is supplied through the Canada Revenue Agency and Revenu Québec.

It is important that you check your T4 slip (the statement of earnings you receive from your employer each year) to make sure your name and Social Insurance Number (SIN) are the same as they are on your SIN card. If they are not, we may not credit your CPP contributions to your CPP record. This could reduce the amount of retirement pension that you are entitled to receive.

If you change your name or lose your Social Insurance Number card, you should call 1-800-206-7218 as soon as possible, and select option 3 to speak to a Service Canada representative. If you call from outside Canada, the number is 506-548-7961 (long-distance charges apply).

You can also visit a Service Canada Centre.

To find one near you, please call 1 800 O-Canada (1-800-622-6232). If you have a hearing or speech impairment and use a teletypewriter (TTY), call 1-800-926-9105.

How do I find out how much I have contributed?

You can ask us to send you a copy of your statement of contributions by mail. Contact us to request a copy.

You can also visit our Web site at www.servicecanada.gc.ca to view or print a copy of your statement at your convenience. See the section called "Online services" on page 31 for details.

Your statement shows the total amount of your CPP contributions by year, and the "pensionable" earnings on which your contributions are based. It also provides an estimate of what your pension or benefit would be if you were eligible to receive it now.

Check your statement carefully, particularly your earnings and contributions. You should compare these amounts to any previous T4 tax information slips. If you disagree with any of the figures, contact us immediately. A discrepancy could affect the amount of your future CPP benefits.

What is credit splitting?

When a marriage or common-law relationship ends, the CPP credits built up by a couple while they lived together can be divided equally between them. These credits can be split even if one spouse or common law-partner did not pay into the CPP.

The impact of credit splitting on spouses and common-law partners who are no longer together can vary considerably depending on individual circumstances. For more information, visit our Web site at www.servicecanada.gc.ca or contact us.

What happens if I pay into the Quebec Pension Plan (QPP)?

Which plan you pay into–CPP or QPP– depends on where you work, not where you live. If you work in Quebec, you pay into the QPP. If you work in any other province or territory, you pay into the CPP. Depending on where you work over the years, you may pay into both plans.

The two plans provide similar benefits. If you pay into only one of the plans, you apply to that plan for your pension or benefits.

If you have contributed to both the CPP and QPP, you apply to the QPP if you live in Quebec when applying for a benefit, and to the CPP if you live elsewhere in Canada when you apply.

If you live outside Canada, you apply to the last province in which you lived before you left the country.

Regardless of which plan pays your benefit, the amount is calculated according to your contributions to both plans and the legislation of the plan responsible.

What if I lived or worked in another country?

Canada has international social-security agreements with many countries. These agreements can help you get pensions or benefits from either country. For example, if you did not live or work long enough in another country to qualify under its rules, the time you spent there and the contributions you made may be added to your time and/or contributions in Canada to allow you to meet the eligibility requirements.

If you have lived or worked in another country, you should contact us for more information.

Can you send the payment to my bank?

Yes. Through our direct deposit service, we can deposit your payment into your bank account in Canada. Direct deposit is also available in the United States and in a number of countries overseas.

The benefits of using direct deposit include:

• always receiving your payments on time; and
• knowing that your cheques will never be lost, stolen, or damaged.

You can sign up for direct deposit when you apply for your CPP retirement pension.

If you are already receiving benefits by cheque and want to switch to direct deposit, you can sign up over the telephone if you live in Canada. When you contact us, in addition to your Social Insurance Number, be sure to have your banking information available including the branch, institution, and account number. You can find this information on your personal cheques.

If you live outside Canada, you must apply for direct deposit in writing.

To download an enrolment form for direct deposit in the United States, please visit our Web site at www.servicecanada.gc.ca or contact us.

If you live outside of Canada and the United States, please visit our Web site at www.servicecanada.gc.ca to find out if direct deposit is available in your country of residence. You can download a direct deposit enrolment form from the site, you can call us at 613-990-2244 (collect calls accepted) to have one mailed to you, or you can request one by writing to:

International Direct Deposit
P.O. Box 7000
Matane QC  G4W 4T5
CANADA

The Government of Canada's service provider for foreign payments will automatically convert your payments to the currency of your country of residence approximately five banking days before your benefit gets to your account. Because the exchange rates change regularly, the amount deposited into your account may be different from month to month.

We do not charge you service fees for the direct deposit service. However, some financial institutions may charge you fees. Please contact your bank or financial institution for more details.

When will I receive my payments each month?

If your payment comes by cheque, it usually arrives during the last three banking days of each month. If you have direct deposit, the money will be deposited in your account during the third-last banking day of each month.

Can I receive CPP payments outside Canada?

Yes, we can make payments anywhere in the world.

Do I get cost-of-living increases?

Yes. We will increase your CPP pension payments to reflect increases in the cost of living as measured by the Consumer Price Index. We adjust payments in January, if needed.

Your monthly payments will not decrease if the cost of living goes down.

What if someone is incapable of applying?

If, because of an illness or infirmity, you are incapable of applying for a CPP pension or benefit, your representative can apply on your behalf.

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Appealing a decision

What if I do not understand or if I disagree with a CPP decision that affects me?

If you do not understand a decision or if you disagree with a decision that affects your pension, you have the right to an explanation. If you contact us, we can explain the reasons for our decision.

If you are not satisfied with our response, you can ask us to reconsider the decision. To do this, you must send a letter to your Service Canada regional director within 90 days of receiving notice of our original decision. For the mailing address for your region, please contact us.

If you are still dissatisfied after the reconsideration, you can appeal the decision. If you would like to know more about the appeal process, please contact us.

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Protecting your information

Who can see the information on my CPP file?

Your privacy is protected by law.

The Canada Pension Plan and Regulations ensure that only specific departments and agencies authorized by the Minister of Human Resources and Skills Development are entitled to review relevant parts of your records. Personal information in your file cannot be given to other departments, agencies, or individuals without your consent.

The Access to Information Act also prevents the release of information about you without your consent. There are two exceptions: information can be released if it has already been made public, or if the release is allowed under the Privacy Act. The Government of Canada can only use information for the purpose for which it was collected, unless it is using it to comply with a warrant or subpoena, or to enforce a law.

Can I see the information on my file?

Yes. You have the right to review information about you that is kept on file by the Government of Canada. To help citizens access information about themselves, the Government publishes the document called Info Source: Sources of Federal Government Information every year.

To review this information, you must fill out an information request form. This form, as well as copies of Info Source: Sources of Federal Government Information, are available at Service Canada Centres and other government offices. These documents are also available at public libraries, at most rural post offices, in Canadian missions abroad, and on the Internet. You can find the Info Source Web site at www.infosource.gc.ca.

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Taxation and your CPP benefits

Are my CPP payments taxable?

Yes. Like most other retirement income, your CPP retirement pension is taxable.

If you wish, you may ask Service Canada to deduct income tax each month. Contact us for more information.

When do I pay the income tax on my pension?

If you live in Canada, contact the Canada Revenue Agency to find out how you can pay the income tax on your pension.

If you live in Canada or the United States and you have tax-related questions, call 1-800-959-8281. If you have a hearing or speech impairment and use a teletypewriter (TTY), call 1-800-665-0354.

For international tax enquiries (including non-resident enquiries), call the International Tax Services Office at:

From Canada and the United States: 1-800-267-5177

If you have a hearing or speech impairment and use a teletypewriter (TTY), call 1-800-665-0354.

From all other countries: 613-952-3741 (collect calls accepted)

Or write to:

International Tax Services Office
Canada Revenue Agency
2204 Walkley Road
Ottawa ON  K1A 1A8
CANADA

How do I include pension information on my tax return?

Early each year, you will receive a T4-CPP tax information slip (or an NR4-CPP information slip if you are a non-resident of Canada) showing the amount of CPP payments you received during the previous year. You should use the information on this T4-CPP or NR4-CPP tax slip to help calculate your income tax, and submit the slip with your income tax return.

Get your T4-CPP and NR4-CPP tax information slips online

You can use the Tax Information Slips online service to:

• view your CPP and OAS tax information slips on the Internet and print them for your income tax return; and
• notify us online if you wish to stop receiving your CPP and OAS tax information slips by mail.

To access the service, select "Access My Service Canada Account" from the right-hand menu on the Service Canada Web site at www.servicecanada.gc.ca.

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Other benefits

Am I eligible for other benefits?

You may be. If you are 65 or older, you may be eligible for a pension under the Old age Security Act. If you have a low income, you may also qualify for the Guaranteed Income Supplement. For more information, please contact us.

If you are between 60 and 64, are the spouse or common-law partner of an Old age Security pensioner, and have a low income, you may qualify for the Allowance. If your spouse or common-law partner has died, you may be eligible for the Allowance for the Survivor.

You may also be eligible for benefits under the War Veterans Allowance Act administered by Veterans Affairs Canada, or for benefits under the Employment Insurance program from Service Canada, as well as other provincial/territorial and municipal income assistance and services.

Do my CPP benefits affect the amount I receive from other programs?

Yes, they may. Income-tested benefits from programs such as the War Veterans Allowance, Employment Insurance, the Guaranteed Income Supplement, the Allowance, and the Allowance for the Survivor, as well as provincial/territorial social assistance ("welfare"), take your CPP income into account. CPP benefits may also affect how much you get from your employer pension or private sector disability insurance.

Most workers' compensation programs also take CPP income into account.

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Online services

At Service Canada, we provide a number of services on the Internet from one secure location to allow you to complete tasks online at your convenience. You can view and print your CPP and OAS tax slips, view your most recent payment rates, view your CPP Statement of Contributions, and if you live in Canada, change your address and direct deposit information. To use these online services, visit www.servicecanada.gc.ca and select "Access My Service Canada Account" from the right-hand menu.

First-time users must have a Personal Access Code, which you can apply for online. Once you have your Personal Access Code, you have to register for My Service Canada Account. You will need to create a user ID and password during the registration process–this is called an epass. If you already have an epass, you will not need to get a new one. You have to enter your information on the epass login page. On return visits, you will only need to enter your epass user ID and password to access My Service Canada Account.

We also provide you with access to online forms for programs and services delivered by Service Canada and its partner departments.

To find a form, see the "On-line Services and Forms" page on the Service Canada Web site at www.servicecanada.gc.ca.

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Contact us

Click

servicecanada.gc.ca

Call

Toll-free in Canada and the United States: 1-800-277-9914

 

If you have a hearing or speech impairment and use a teletypewriter (TTY), call 1-800-255-4786

 

From outside Canada and the United States (collect calls accepted): 613-­990­-2244

Visit:

a Service Canada Centre