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CPP rules for employees 60+

‍Increasingly we are seeing Canadians working well into their 60’s, 70’s and even into their 80’s as some say they cannot afford to retire quite yet while others don’t feel they are ready to retire.  Age 75 is the new 55!

Think of your own workplace.  Do you have employees between the ages of 60 and 70?  Did you know there are rules for Canada Pension Plan (CPP) and Quebec Pension Plan (QCC) contributions for employees in this age bracket?  If you are a payroll professional, read on in terms of what you need to know: 

Prior to January 1, 2012, employees between the ages of 60 and 70 who are working and collecting CPP did NOT have to contribute to their CPP or QPP pension plans. 

Effective January 1, 2012, employees in this age group who are working and receiving CPP or QPP pensions MUST continue to contribute to their CPP or QPP.  More specifically: 

·         Those aged 60 to 65 MUST continue to contribute to the CPP or QPP.

·         Those aged 66 to 70 MUST contribute unless the employee has filed an ‘election’ with the employer to stop paying CPP contributions.  The election to stop will take effect the first day of the month following the month the employee provides the completed and signed election form.  It is the employee’s responsibility to file the completed form with the Canada Revenue Agency.  You may need to remind your employees who fall into this age bracket to file the document so they can stop paying CPP contributions.  The employee also has the ability to opt back into paying the CPP contributions by completing the election form.

For more information, copy and paste the link in your browser to find the CPT30 Election To Stop form and instructions:


Elsa Dawson
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