Seniors -> CPP child rearing drop-out
Did you stay home to raise young children? Make
sure you apply for the Child Rearing Drop-out when you apply for any CPP
benefits.
If your children were born after December 31, 1958, and your CPP
contributions were reduced while you stayed home or reduced your hours of work
to be the primary caregiver for the children, you may be eligible to have the
child rearing drop-out (CRDO) provision applied to your account when you apply
for a CPP benefit (such as retirement or disability
pension, or death or survivor benefits). The CRDO applies for years when you were caring for your
children who were under the age of 7 years. Application of the CRDO will
increase your monthly CPP benefit.
The CPP Child Rearing Drop-out application must be completed at the same time
as you apply for any CPP benefit. If you are already collecting a CPP
benefit and did not know about the CRDO, contact Service
Canada to apply to get your benefits increased
retroactively.
For more information, see Child Rearing Drop-out Provision on the
Service Canada web site. This web page also has contact
information.
Revised: July 19, 2010