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Our response:

The Ontario Securities Commission does not regulate the Canada Pension Plan (CPP) program. Specific questions and information requests related to CPP should be directed to Employment and Social Development Canada (ESDC).

In general, the amount of CPP you receive depends on:

• how much you have contributed to CPP and for how long, and
• when you plan on starting to receive your pension.

You can start to receive CPP as early as 60 (at a reduced rate), and as late as age 70 (at an increased rate). Learn more about contributions to the CPP. ESDC offers the Canadian Retirement Income Calculator that you can use to estimate your retirement income from all sources, including CPP using the information from your latest annual CPP statement.