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Canada Pension Plan

Why is my pension adjusted at age 65?

Like most major pension plans in the country, the Ontario Teachers' Pension Plan is designed to work with the Canada Pension Plan (CPP).

We provide a bridge benefit, which is intended to supplement your retirement income until age 65 when you are eligible for an unreduced CPP pension. The month after you turn 65, or immediately if you start a CPP disability pension, the bridge benefit ends and your pension is adjusted.

If I take CPP at age 60, will there be an adjustment to my Ontario Teachers' pension?

Your pension will still be adjusted the month after you turn age 65, even if you take your CPP early. There are some conditions for taking CPP early, so be sure to review the CPP website for more information.

Your Ontario Teachers' pension adjustment takes effect before age 65 only if you die or begin to collect a CPP disability pension.

For more information about your CPP pension, we recommend you go directly to the source. Visit the CPP website or call 1-800-277-9914.

I'm planning on going on a CPP disability pension. How does this affect my Ontario Teachers' pension?

Your Ontario Teachers' pension will be adjusted when you start a CPP disability pension. If you go on a disability pension, make sure to contact us and let us know immediately so we can make the necessary adjustments to your pension.