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Your Canada Pension Plan credits can also be affected by "credit splitting".

5. What is my "contributory period" and how is it used?

The total span of time during your life when you may contribute to the Canada Pension Plan is called your contributory period. It is used in calculating the amount of any Canada Pension Plan benefit to which you become entitled...

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Your contributory period begins when you reach age 18 or January, 1966 (the start of the CPP) and continues until you begin receiving your retirement pension, reach age 70 or die (whichever is the earliest).

6. If I had some low-earning years, will that reduce my pension?

Remember that Canada Pension Plan calculations include both how much and how long you have contributed...

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