If you’re receiving your Canada Pension Plan (CPP) retirement pension and still working in 2025, you may be wondering: “Will my CPP increase if I keep working?” The answer is yes, and it’s through a feature called the Post-Retirement Benefit (PRB).
This benefit is designed to reward those who choose to work beyond the typical retirement age. Even after starting your CPP pension, your contributions to the plan can continue to grow your retirement income for life.
Table of Contents
What is the Post-Retirement Benefit (PRB)?
The Post-Retirement Benefit is a permanent, additional lifetime benefit that you can earn if you continue working and contributing to the CPP after you start receiving your retirement pension.
It applies only to those who are between the ages of 60 and 70 and who meet the criteria below.
Working While on CPP in 2025: How Much Can You Earn Without Losing Benefits?
Am I Eligible for the Post-Retirement Benefit (PRB)?
To qualify for the PRB in 2025, you must:
- Be between 60 and 70 years of age
- You are already receiving your CPP retirement pension
- Be employed or self-employed and making CPP contributions
Contributions are mandatory if you’re under age 65 and optional from age 65 until you turn 70. Once you reach age 70, you’re no longer allowed to contribute to the CPP, and PRBs stop accumulating.
Say Goodbye to Retiring at 65? Major OAS & CPP Age Changes Retirement in Canada
How Does It Work?
Each year you work and contribute to the CPP after starting your retirement pension, you become eligible for an additional PRB based on your earnings. This amount is calculated separately from your base CPP and is added to your monthly pension payment in the following year.
Example:
If you work and contribute to the CPP in 2025, your PRB will be calculated and added to your pension starting in 2026.
CPP and OAS Increase July 2025: See How Much More You’ll Get This Month
How Much More Could I Receive?
The amount of your Post-Retirement Benefit depends on:
- Your age when earning it
- Your contributions and earnings for the year
- The year’s maximum pensionable earnings (YMPE)
While the PRB is typically modest, it adds up over time and is paid for life.
For example:
- If you contribute at the maximum level, the maximum PRB at age 65 in 2025 is estimated to be around $28 to $49 per month
- Lower earners will receive proportionally smaller PRBs
These amounts may seem small individually, but over 10 or 15 years, they can significantly increase your total pension income.
Should I Keep Contributing?
Whether or not you choose to continue contributing depends on your financial goals, health, and whether you’re self-employed (who must pay both employer and employee contributions).
Reasons to continue contributing:
- You want to increase your lifetime CPP income
- You’re earning a moderate to high income in retirement
- You are under age 70 and plan to work for several more years
Reasons to opt out (age 65–70 only):
- You’re on a limited income and don’t want the extra deduction
- You’re self-employed and find the cost too high
- You don’t expect to work long enough for the benefit to be meaningful
How to Stop Contributing (If You’re 65+)
If you are 65 or older and want to stop contributing to the CPP while working, you must complete Form CPT30 and submit it to both the Canada Revenue Agency (CRA) and your employer. This change becomes effective on the first day of the month after the form is received.
Conclusion: Yes, Your CPP Can Grow While You Work
So, will your CPP increase if you keep working in 2025? Absolutely — if you’re between 60 and 70 and continue contributing, the Post-Retirement Benefit provides a valuable way to boost your pension for life. Whether it’s a few dollars a month or more, every year of work helps build greater long-term financial security.
This is an important consideration for Canadians who want to remain active in the workforce while planning for a stronger retirement.