Download the Canada Pension Plan Book (PDF)





Adjusted Credited Participating Service

3.02 - A Participant's Adjusted Credited Participating Service is:

    (a) For Service prior to September 1, 2010:
    • The number of years of such Participant's Credited Participating Service prior to September 1, 2010 minus,
      • (i) One-quarter multiplied by the number of years of such Participant's Credited Participating Service under the 3% Plan: and
      • (ii) One-half multiplied by the number of years of such Participant's Credited Participating Service after August 31, 2004 under the 2% Plan.

    (b) For Service on and after September 1, 2010:

    • The number of years of such participant's Credited Participating Service on and after September 1, 2010, minus,
      • (i) 13/100ths multiplied by the number of years of such participant's Credited Participating Service under the 7.00% Plan; and
      • (ii) 31/100ths multiplied by the number of years of such participant's Credited Participating Service under the 5.55% Plan.