Pension question, Canada
How far back can CPP be backdated?
A CPP retirement pension applied for after age 65 can only be backdated 11 months before the month of application, and never earlier than the month after the 65th birthday. If a CPP contributor dies in the month of, or before, their 70th birthday without ever having applied for their retirement pension, that pension is paid to nobody.
What to do next
- Note the month you turned 65, or will, and the month you apply.
- Gather your Social Insurance Number and the dates of each Canadian job.
- Run our free check to see which other countries set a clock on your pension.
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Run the free checkQuestions people also ask
Does applying at 65 or earlier give any back payment?
Applying in the month of your 65th birthday or earlier gives no retroactivity.
Do you give advice on what to do?
No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.