When it comes to applying for the Canada Pension Plan (CPP), it's important to understand the various circumstances that might require you to complete the application. Here are some instances when you may need to submit a CPP application:
1. Turning 60 years old: If you are about to turn 60, you will need to complete the CPP application to begin receiving your pension benefits. You can apply as early as nine months before your 60th birthday.
2. Early pension: In case you wish to start receiving your CPP retirement pension before reaching the age of 65, you can apply for early CPP as early as age 60.
3. Late pension: If you decide to delay receiving your CPP pension past the age of 65, you can continue working and contribute to the plan. To apply for a CPP pension after 65, you must complete the application.
4. Disability benefits: If you have a severe and prolonged disability that prevents you from working, you can apply for CPP disability benefits. This requires completing the CPP application specific to disability benefits.
5. Surviving spouse or common-law partner: If your spouse or common-law partner has passed away, you may be eligible for CPP survivor benefits. To receive these benefits, you will need to complete the CPP survivor's application.
6. Children's benefits: If you have dependent children under 18 years old, or under 25 and still studying full-time, they may be eligible for CPP children's benefits upon the death or disability of a parent. Completing the CPP children's application is necessary for this benefit.
7. CPP retirement pension splitting: If you and your spouse or common-law partner wish to split your CPP retirement pension, both of you should complete the CPP application for retirement pension sharing.
Remember, the CPP application process is typically done online through the Service Canada website. Make sure to gather all essential documents and information required to complete the form accurately. It's recommended to apply well in advance of when you wish to start receiving your benefits to ensure a smooth transition into the Canada Pension Plan.