Ash Smith
As of July 2025, eligible Canadians may see a $2,900 boost added to their Canada Pension Plan (CPP) benefits.
This increase stems from a series of enhancements introduced in 2019 to strengthen retirement income across the country.
If you’ve been contributing to the Canada Pension Plan after that date, this new benefit could already be part of your future payout.
Let’s break down everything you need to know about eligibility, the application process, and how to maximize this increase.
Quick Overview of the $2,900 CPP Increase
| Key Detail | Information |
|---|---|
| Increase Amount | Up to $2,900 total in added pension benefits |
| Who Qualifies | Workers contributing to Canada Pension Plan since January 1, 2019 |
| Application Required? | Apply for regular Canada Pension Plan; enhancement is included automatically |
| When to Apply | 6 months before your intended retirement start date |
| Where to Apply | Online via My Service Canada Account or by mail |
What Is the CPP Enhancement?
The Canada Pension Plan enhancement, rolled out in phases since 2019, was designed to increase the amount you receive during retirement.
The $2,900 boost is the result of higher contributions over the years, which now translate into higher benefits.
For most contributors, this increase will be gradually added to their monthly payments. For some, it could mean around $10–$15 more each month, accumulating to about $2,900 or more over a lifetime of benefits.
Who Is Eligible for the CPP Increase?
To qualify for the $2,900 boost:
- You must have earned more than $3,500 annually since January 1, 2019
- You must have made Canada Pension Plan contributions consistently post-2019
- You must apply for your CPP retirement pension to activate benefits
- Age requirement: 60 or older, with full benefits starting at 65
Those who wait until age 65 or 70 to begin collecting tend to receive higher monthly amounts.
How to Apply for CPP and Get the $2,900 Boost
While there’s no separate application for the enhancement, it’s vital to ensure you’ve done everything correctly.
Step-by-Step Application Process
Step 1: Check Your Records
Log in to your My Service Canada Account and review:
- Canada Pension Plan contributions from 2019 onward
- Estimated monthly benefits
- Any contribution gaps or discrepancies
Step 2: Gather Your Documents
You’ll need:
- SIN
- Birth certificate or passport
- Bank account details for direct deposit
Step 3: Choose Your Method
- Online: Apply directly through your My Service Canada Account (fastest and easiest)
- Paper: Download and mail the form to your nearest Service Canada office
Step 4: Track Your Application
After submitting, keep monitoring your account for status updates. For assistance, contact Service Canada by phone or visit an office.
Real Example: How It Helped a Canadian Worker
Sarah, a 62-year-old teacher from Toronto, started working in 1982. She continued contributing to the Canada Pension Plan after 2019. When she applied for retirement in 2025, her pension included the enhanced benefits.
Because she verified her records early and applied six months in advance, her transition to retirement was smooth—and included the $2,900 enhancement.
Maximizing Your CPP Benefits
Follow these strategies to ensure you don’t leave any money on the table:
- Review CPP Contributions Annually
Mistakes in records can delay or reduce your benefits. - Time Your Retirement Right
Retiring later gives you higher monthly payments. - Supplement with RRSP or TFSA
CPP might not be enough to cover all your expenses. - Consult a Financial Advisor
Especially useful if you’re self-employed or have gaps in your employment. - Stay Updated
Monitor changes on the Government of Canada websites regularly.
The $2,900 CPP increase in July 2025 is a welcome financial boost for Canadians preparing for retirement.
If you’ve been working and contributing post-2019, you’re likely on track to receive it—no extra forms needed.
But to maximize this benefit, it’s critical to check your records, apply early, and plan ahead. Make the most of what you’ve earned and secure a stronger retirement income.
FAQs
Do I need to apply separately for the CPP enhancement?
No. The enhancement is automatically included when you apply for your regular CPP retirement pension.
How do I know if I qualify for the $2,900 increase?
If you earned over $3,500 per year and contributed to CPP since 2019, you likely qualify.
Can I receive this increase if I start CPP at age 60?
Yes, but your monthly payments will be lower than if you wait until 65 or 70 to start collecting.