Canada splits pensions across federal and provincial regimes, with no national register of individual workplace plan memberships. We identify what is in your name and hand you the contact details and every contact route, ready to use. $99, full refund if we find nothing material.
Federal + 10
Provincial pension regimes
CPP / OAS
Two-tier state framework
Millions
Canadians affected
If you worked in Canada and moved on, changed employers, or lost the paperwork years ago, you are in the right place. Pensions are rarely gone. Most of the time the scheme simply lost track of you.
Canadians who moved between provinces and lost track of schemes, expats who worked in Canada and returned home, and workers whose Canadian employer was acquired or closed.
Canadian retirement savings sit in layers. CPP and OAS are federal and follow your contribution record. Workplace registered pension plans sit with each employer and its administrator, supervised federally or provincially depending on the employer, with no national register of individual memberships. Change jobs a few times, move province, or leave the country, and the paperwork stops following you long before the entitlement does.
A PensionHunter Pension Identification Report works from what you already know, employer names and rough dates, and identifies the plans and administrators your Canadian work history points to. One fixed fee, one clear picture, and a refund if we find nothing material.
Pension rules and unclaimed property processes vary significantly by province. Our researchers search federal and all provincial pension registries, Ontario, British Columbia, Quebec, Alberta and every other province and territory.
What your Pension Identification Report delivers
Nobody sits between you and your pension. You act the moment the evidence lands.
For Canada, the central record is not publicly searchable from your employment history alone. Your Pension Identification Report delivers the honest access-map: what exists, where your record sits, the deadlines and traps that affect your entitlement, the exact route in, and your entitlement position. The record in Canada sits behind a national credential wall (GCKey / My Service Canada Account), often keyed to a residency status that no longer applies to departed expats. This is exactly why the human tier exists here: automation can map the door, but it cannot walk through a credential wall for a departed expat. In the Enhanced Pension Identification Report and the Global Pension Identification Report, under your signed Information Request Authority (IRA) the PensionHunter research team prepares your information request for the authority through the official channel, written and ready for you to send, the work no chatbot or portal can do.
Identification & research only, no financial advice
Start here
$99
Country Pension Identification Report, Canada
Within 24 to 48 hours
Full refund if we find nothing material.
Enhanced Pension Identification Report ($499): your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report ($799): the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
At the Country Report you contact the administrators yourself, using the routes in your report. On Enhanced and Global: We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
Your Canada report, see the full sampleCANADA SAMPLEThis is the Canada sample, produced by the same methodology that runs every real case.Open the samplePensionHunter is a team of pension researchers working across 41 countries. We do not touch your money, we take no percentage, and every report is reviewed by a human before release.
We do not show a do it yourself comparison for Canada, because the central record is not a slower road you can walk on your own. It sits behind a wall.
The wall: My Service Canada Account (GCKey)
From abroad: GCKey is creatable from anywhere; identifying RPP entitlements across a career is employer-by-employer / plan-by-plan research, with no central register to lean on
Identification only. We do not open credential-protected accounts, and we do not transfer, negotiate, or make decisions regarding any pension.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
Locked-in (LIRA) accounts that are "untouchable before retirement" become 100% withdrawable after 2 years of non-residency.
A deferred RPP entitlement survives but MIGRATES over time (court/annuity/Revenu Québec/Bank-of-Canada 2027 framework); CPP/OAS are not auto-paid to non-residents.
Personal-record access wall: My Service Canada Account (GCKey)
CPP/OAS reachable via MSCA (GCKey creatable from anywhere); RPPs have NO national register of individual memberships
From abroad: GCKey is creatable from anywhere; identifying RPP entitlements across a career is employer-by-employer / plan-by-plan research, with no central register to lean on
UK↔CA residual benefit runs UK-ward (corrected); IN↔CA, HK↔CA.
Primary sources: canada.ca / Service Canada · Canada Gazette (BoC 2027 framework)
Worked in more than one country? One Global Pension Identification Report covers every country you worked in, up to all 41 we cover.
Whether anyone officially counts unclaimed pensions in Canada is a question with a published answer, and we keep it on one page: the Canada row on our pension scoreboard.
For pension schemes and trustees with members in Canada, see our cross-border member tracing services
Country Pension Identification Report: within 24 to 48 hours. Enhanced and Global Pension Identification Reports: full report within five working days of your intake form. Pension providers typically take 4-12 weeks to respond to enquiries. You send the requests and we answer your questions by email about whatever comes back, on your workplace and state pension alike, for as long as your case is open.
It helps but is not required. We can search with your employer details and personal information.
Yes. Our team searches federal and all provincial pension registries.
Absolutely. Canadian pension entitlements don't expire. We find them regardless of where you currently live.
To find a lost Canadian pension, you need to search across federal and provincial workplace pension plans, CPP records and former employer arrangements. Canada's pension system is fragmented across provinces, making tracing difficult, especially for workers who moved between provinces or left the country. Important: Canadian pension entitlements, CPP and provincial unclaimed property registers are governed by federal and provincial regulators. We do not file claims, transfers or withdrawals for you. PensionHunter searches available registries, traces employer records and provides a full written research report so you can contact administrators directly. PensionHunter offers three tiers: Country Pension Identification Report $99 single country, Enhanced Pension Identification Report $499 expert-led follow-up, Global Pension Identification Report $799 multi-country. Full refund if we find nothing material.
Specific situations we cover. For expats, returning citizens and cross-border workers.
The same kind of guide, other countries
Last reviewed: · Facts verified against the dossier-pipeline gate.
15 pages. 41 countries. Join the list to receive it.
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Some clients order a Pension Identification Report for themselves. Many order it to get their affairs in order: one document their family can find, whatever happens.
We identify what is in your name in Canada and hand you the contact details and every contact route, ready to use. $99, full refund if we find nothing material.
Find my pensions in CanadaImportant Information
PensionHunter is a research and administrative assistance service only. We search pension registries and employer records to identify whether pension entitlements may exist in your name, we do not provide financial advice, manage pension funds, arrange pension transfers, or assist with claiming or accessing pension funds.
PensionHunter is not regulated by any Canadian provincial or federal financial-services regulator or any equivalent financial-services or pensions regulator in Canada. Our service is limited to research and information provision. We charge a fixed research fee paid in advance, Full refund if we find nothing material.
All decisions about your pension, including whether to contact providers, transfer funds, or take any other action, remain entirely yours. We strongly recommend consulting a qualified independent financial adviser regulated in your jurisdiction before making any decisions about any pension we locate.