Newfoundland and Labrador - Apply for Canada Retirement Pension

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Procedure

Apply In-Person:

1. To apply for Canada Retirement Pension in person, the applicant has to visit the nearest Service Canada Office.
2. Links containing address and contact details of the Service Canada offices in Newfoundland and Labrador can be found in the following contact link
3. Visit the respective office and obtain an Application form for Canada Pension Plan Retirement Pension (ISP-1000) from the respective department. Or click here to download: application form
4. After downloading the application, the applicant can fill it electronically or using a pen.
5. Make sure that all the documents in the “Required Documents” section of this page are available.
6. Complete the application as per convenience, attest it with signature and attach the required documents with the application form.
7. Then, submit the application package to the relevant authority at the respective Service Canada office.
8. The application form can also be mailed to the nearest Service Canada Offices as per the Provinces: mailing address
9. Upon submission of application and required documents, assessment and verification by the respective officials will take place.
10. Once they find that the submitted information is sufficient and the applicant is eligible for the Pension, a written notification of decision will be forwarded to his/her mailing address.
11. The notice will indicate whether the application has been approved or declined.
12. If approved, the payment will be directly done to the beneficiary’s bank account every month. If the applicant didn’t choose direct deposit, a cheque will be mailed to the applicant during the last 3 business days of each month.
13. If not and the applicant is not satisfied with the decision, he/she may ask to have the decision reviewed. They must request this review in writing within 90 days of receiving the decision letter.

Apply Online
Using GC Key

1. To apply for Canada Retirement Pension online using GC Key, the applicant has to visit the following link: apply online
2. Visit the link and enter the user details in the respective fields, then click “Sign In” button, if the applicant already has an account.
3. If not, click the “Sign Up” button to create an account. Click “I accept” button and type an appropriate username in the next tab.
4. Click “Continue” button and create a password for the account in the next tab, then click “Continue” button.
5. Create Recovery Questions, Answers and Hints in the next page and click “Continue” button. Click “I agree” button in the next page.
6. In the next page, the applicant will be presented with 2 options to help verifying his/her identity. Select an applicable option.
7. Once the applicant has signed in with GC Key and verified the identity, he/she will be directed to create the MSCA profile.
8. Follow the onscreen instructions and complete the profile creation. Proceed to sign in using the Username and Password.
9. After profile creation, the applicant has to complete the application for the Canada Retirement Pension by clicking the applicable button.
10. Complete the online application with respect to the requirement by providing the necessary details and information.
11. Once completed, submit the application by clicking the applicable button. After submission, assessment and verification by the respective officials will take place.
12. Once they find that the submitted information is sufficient and the applicant is eligible for the Pension, a written notification of decision will be forwarded to the applicant’s mailing address.
13. The notice will indicate whether the application has been approved or declined. Meanwhile, the applicant can also view the status of application under the "Application Status" link in his/her “My Service Canada Account”.
14. If approved, the retirement payment will be done directly to the applicant’s bank account every month. If they didn’t choose direct deposit, a cheque will be mailed during the last 3 business days of each month.
15. If not and the applicant is not satisfied with the decision, he/she may ask to have the decision reviewed. They must request this review in writing within 90 days of receiving the decision letter.

Using bank account

1. To apply for Canada Retirement Pension online using bank account, the applicant has to visit the following link apply online
2. List of financial Sign-In Partners will be displayed in the link, select one among them in which the applicant has subscribed online banking.
3. Respective online banking portal will be opened, login into it using the user credentials.
4. After logging in, there will be 2 options to help verifying the applicant’s identity. Select an applicable option.
5. Once the user has verified the identity, he/she will be directed to create the MSCA profile.
6. Follow the onscreen instructions and complete the profile creation. Proceed to sign in using the Username and Password.
7. After profile creation, the user has to complete the application for the Canada Retirement Pension by clicking the applicable button.
8. Complete the online application with respect to the requirement by providing the necessary details and information.
9. Once completed, submit the application by clicking the applicable button. After submission, assessment and verification by the respective officials will take place.
10. Once they find that the submitted information is sufficient and the applicant is eligible for the Pension, a written notification of decision will be forwarded to the applicant’s mailing address.
11. The notice will reveal whether the application has been approved or declined. Meanwhile, the applicant can also view the status of application under the "Application Status" link in his/her “My Service Canada Account”.
12. If approved, the amount will be directly deposited to the beneficiary’s bank account every month. If they didn’t choose direct deposit, a cheque will be mailed during the last 3 business days of each month.
13. If not and the applicant is not satisfied with the decision, he/she may ask to have the decision reviewed. They must request this review in writing within 90 days of receiving the decision letter.

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Required Documents

• Completed ISP-1000 form: application form
• Social Insurance Number
• Driving license or any Identification Document containing photo
• Statements of bank account
• Income Tax Assessment forms
• Copy of the Lease document/Land Title
• Bills or Receipts of the housing costs

Office Locations & Contacts

Service Canada,
100, Hebron Way,
St. John's,
Newfoundland and Labrador

Mailing address:
PO Box 9430,
Station A,
St. John's,
NL A1A 2Y5,
CANADA.
Phone: +1 800-622-6232
Website link
Contact link

Eligibility

• The applicant must be at least 60 years old.
• The applicant must have made at least one valid contribution to the Canada Pension Plan (CPP).
• To qualify as common-law partners, a couple must have lived together in a conjugal relationship for at least one year and they must have separated on or after January 1, 1987.
• Refer the following link for more information: eligibility

Fees

Explain the fees structure which is required for obtaining the certificate/document.

Validity

The Canada Retirement Pension Plan lasts for the rest of the applicant’s life.

Documents to Use

• ISP-1000: application form
• ISP – 1000A: Information Sheet for the application form

Sample Documents

Please attach sample completed documents that would help other people.

Processing Time

Please explain processing time taken in obtaining the document/certificate.

Related Videos

Videos explaining the procedure or to fill the applications.
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Instructions

• You must complete and send a paper application if you’re receiving, have ever received, or have been denied a CPP benefit, such as disability pension, survivor’s pension or a children’s benefit.
• You must complete and send a paper application if you live outside Canada or you have an authorized third party such as a power of attorney that manages your CPP account.
• If you submit a paper application, it normally can take up to 120 days to get your written notification of decision. It could take longer if your application is missing information.
• Remember to apply in advance to ensure that you start to receive your pension by the date you choose.
• You can view your application status using your My Service Canada Account (MSCA), and selecting the "Application Status" link.
• Note that you could be fined if there is false, misleading, or omitted information on your CPP retirement pension application. Interest is also charged on penalties and overpayments that are subject to a penalty.
• You can also come forward to correct wrong or incomplete information or to give important information that you haven’t already shared with Service Canada. Learn about Penalties, Interest and Disclosure Policy: Penalties, Interest and Disclosure Policy

Required Information

• Social Insurance Number
• Name, Initial and family name
• Full name at birth
• Date and country of birth
• Preferred language
• Marital status
• Residential and mailing address
• Banking information
• Information about children
• Details about other countries’ benefits

Need for the Document

The Canada Pension Plan (CPP) retirement pension is a monthly, taxable benefit that replaces part of your income when you retire. If you qualify, you’ll receive the CPP retirement pension for the rest of your life.

Information which might help

• Valid contributions can be either from work you did in Canada, or as the result of receiving credits from a former spouse or former common-law partner at the end of the relationship.
• The amount you receive each month is based on your average earnings throughout your working life, your contributions to the CPP, and the age you decide to start your CPP retirement pension. Click for relevant information: relevant information
• The standard age to start the pension is 65. However, you can start receiving it as early as age 60 or as late as age 70.
• If you start receiving your pension earlier, the monthly amount you’ll receive will be smaller. If you decide to start later, you’ll receive a larger monthly amount.
• There’s no benefit to wait after age 70 to start receiving the pension. The maximum monthly amount you can receive is reached when you turn 70.
• Visit the following link and click on the applicable link to get relevant information

Other uses of the Document/Certificate

Please explain what are other uses of obtaining this document/certificate.
e.g. Birth Certificate can be used as proof of identity.

External Links

How to apply
Apply using GC Key
Apply using banking information

Others

More information which might help people.