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• an employee who contributes to the Canada Pension Plan (CPP), whether you are just starting your career or you are planning to retire soon;
• a self-employed person who contributes to the CPP;
• between the ages of 60 and 70 and you work while receiving your CPP retirement pension (or if you work outside of Quebec while receiving a Quebec Pension Plan (QPP) retirement pension);

or

• an employer who contributes to the CPP on behalf of your employees

You will not be affected by these changes if you started receiving a CPP retirement pension before December 31, 2010, and you stay out of the work force.

What are the changes?
The following changes to the CPP will be phased in gradually between 2011 and 2016, with the first major change occurring in January 2011 for people retiring after age 65:
The monthly CPP retirement pension amount will increase by a higher percentage if taken after age 65.
The monthly CPP retirement pension amount will decrease by a larger percentage if taken before age 65.
A longer period of low earnings will be automatically dropped from the calculation of the CPP retirement pension. Contributors will be able to receive their CPP retirement pension without any work inter- ruption.
If you are under 65 and you work while receiving your CPP retirement pension, you and your employer will have to continue making CPP contributions. CPP benefits.
If you are between the ages of 65 and 70 and you work while receiv- ing your CPP retirement pension, you can choose to continue making CPP contributions. (or if you work outside of Quebec while receiving a QPP retirement pension) These contributions will increase your CPP benefits.