Along with your Boilermakers' Pension, most individuals who have worked in Canada will be eligible to receive government sponsored pension benefits. The below information is for informational purposes only. If you have any questions regarding Canada Pension Plan(CPP) or Old Age Security (OAS), please contact Service Canada at the below listed telephone numbers:

• Toll-Free: 1-800-277-9914
• TTY: 1-800-255-4786

Almost all individuals who work in Canada contribute to the Canada Pension Plan (CPP). The CPP provides pensions and benefits when contributors retire, become disabled, or die.

Retirement Pension

You can apply for and receive a full CPP retirement pension at age 65 or receive it as early as age 60 with a reduction, or as late as age 70 with an increase.

Post-retirement Benefit

If you continue to work while receiving your CPP retirement pension, your CPP contributions will go toward post-retirement benefits, which will increase your retirement income.

Disability Benefits

If you become severely disabled to the extent that you cannot work at any job on a regular basis, you and your children may receive a monthly benefit.

Survivor Benefits

When you die, CPP survivor benefits may be paid to your estate, surviving spouse or common-law partner and children.

Pension Sharing

Married or common-law couples in an ongoing relationship may voluntarily share their CPP retirement pensions.

Credit Splitting for Divorced or Separated Couples

The CPP contributions you and your spouse or common-law partner made during the time you lived together can be equally divided after a divorce or separation.

The Old Age Security program is the Government of Canada's largest pension program. It is funded out of the general revenues of the Government of Canada, which means that you do not pay into it directly.

The Old Age Security (OAS) pension is a monthly payment available to most Canadians 65 years of age who meet the Canadian legal status and residence requirements. You must apply to receive it.

In addition to the Old Age Security pension, there are three types of Old Age Security benefits:

Guaranteed Income Supplement

If you live in Canada and you have a low income, this monthly non-taxable benefit can be added to your OAS pension.

Allowance

If you are 60 to 64 years of age and your spouse or common-law partner is receiving the Old Age Security pension and is eligible for the Guaranteed Income Supplement, you might be eligible to receive this benefit.

Allowance for the Survivor

If you are 60 to 64 years of age and you are widowed, you might be eligible to receive this benefit.