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2010 Rates for Canada Pension Plan and Old Age Security Benefit

  • Published: 2009-12-12 : Human Resources and Skills Development Canada.
  • Synopsis: Benefit rates for the Canada Pension Plan (CPP) and Old Age Security (OAS).

Main Document

Human Resources and Skills Development Canada today announced the benefit rates for the Canada Pension Plan (CPP) and Old Age Security (OAS) effective January 1, 2010.

Canadians already receiving CPP benefits as of December 2009 will see their benefits increase by 0.4 percent on January 1, 2010. CPP benefits are revised once a year, in January. Increases are based on changes over a 12-month period (November 2008 to October 2009) in the Consumer Price Index, which is the cost-of-living measure used by Statistics Canada. The maximum CPP retirement benefit for new beneficiaries will increase on January 1, 2010, from $908.75 to $934.17 per month. This is calculated based on the Average Yearly Maximum Pensionable Earnings for the past five years.

As of January 1, 2010, the basic OAS pension, paid to people 65 years of age and over, will remain unchanged at $516.96 per month. The Guaranteed Income Supplement and Allowances payments, which provide additional benefits to eligible low-income pensioners and their spouses or common-law partners, as well as to eligible survivors, will also remain the same.

These payments are also based on the Consumer Price Index but are revised quarterly, in January, April, July and October. Although OAS and CPP benefits are not indexed at the same time, they are both adjusted with the cost of living over a given year.

Both OAS and the CPP enhance the quality of life of Canadian seniors by providing a modest base upon which to build additional income for retirement.

The OAS program is funded through general tax revenues and provides a basic minimum income for Canadian seniors. It provided 4.5 million seniors with $33.4 billion in 2008-2009.

The CPP (or the Quebec Pension Plan in Quebec) is funded through contributions by Canadian workers, their employers and the self-employed, and through investment earnings on the Plan's funds. In addition to retirement benefits, the Plan provides disability benefits, death benefits, survivor benefits and benefits for children.

Canada's public pensions are fully sustainable for generations to come. Canadians can count on their public pensions to be there for them in the future.

For further information, please consult the Human Resources and Skills Development Canada Web site at


Type of Canada Pension Maximum Benefit
Plan Benefit Rates for 2010
Retirement pension (at age 65) $934.17
Disability pension $1,126.76
Survivor's pension (under age 65) $516.57
Survivor's pension (age 65 and over) $560.50
Disabled contributor's child benefits $214.85
Deceased contributor's child benefits $214.85
Death benefit $2,500
Combined pensions:
Survivor/Retirement (retire at age 65) $934.17
Survivor/Disability $1,126.76
Flat rate:
Survivor's pension $166.26
Disability pension $426.13


Type of Old Age Maximum monthly benefit Previous quarter
Security benefit rates January - March 2010 October - December 2009
Basic Old Age
Security pension $516.96 $516.96
Guaranteed Income
Single $652.51 $652.51
partner of
- a non-pensioner $652.51 $652.51
- a pensioner $430.90 $430.90
- an Allowance
recipient $430.90 $430.90
The Allowance
- regular $947.86 $947.86
- survivor $1,050.68 $1,050.68

NB: OAS remain unchanged because there has been no increase in the
Consumer Price Index overt the last quarter

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