{"id":635,"date":"2026-10-29T00:04:33","date_gmt":"2026-10-29T04:04:33","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=635"},"modified":"2026-10-29T00:04:33","modified_gmt":"2026-10-29T00:04:33","slug":"cpp-explained-what-you-get-and-when-to-take-it","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/retirement\/cpp-explained-what-you-get-and-when-to-take-it\/","title":{"rendered":"Le programme de pensions alimentaires (CPP) expliqu\u00e9 : ce que vous obtenez et quand le prendre"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"635\" class=\"elementor elementor-635\">\n\t\t\t\t<section class=\"elementor-element elementor-element-00bb394 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"00bb394\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"00bb394\">\n    <div class=\"elementor-element elementor-element-80f9deb e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"80f9deb\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"80f9deb\">\n    <article class=\"elementor-element elementor-element-54be026 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"54be026\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"54be026\">\n    <div class=\"elementor-element elementor-element-66d9d80 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"66d9d80\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"66d9d80\">\n    <div class=\"elementor-element elementor-element-398e740 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"398e740\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"398e740\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"626537b\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"edde5ef\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"3b51df5\">\n\tRetraite\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-bac9db6 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"bac9db6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bac9db6\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"1dd8dc7\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c249199\">Article 2 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"a2d4119\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"da5d629\" class=\"title-lg e-heading-base e-default-h1\">Le programme de pensions alimentaires (CPP) expliqu\u00e9 : ce que vous obtenez et quand le prendre<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"1b5f6cb\" id=\"282\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-70-1005x1024.webp\" width=\"1005\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-70-1005x1024.webp 1005w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-70-294x300.webp 294w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-70-768x783.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-70-1507x1536.webp 1507w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-70-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-70-600x611.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-70.webp 1570w\" alt=\"\"\/>\t\t<div class=\"elementor-element elementor-element-3026f28 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"3026f28\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3026f28\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"a7b6724\">Le R\u00e9gime de pensions du Canada (RPC) est un r\u00e9gime de retraite gouvernemental financ\u00e9 par les cotisations des travailleurs et des employeurs (ou par les travailleurs autonomes qui cotisent \u00e0 la fois). Il vise \u00e0 remplacer une partie de votre revenu \u00e0 la retraite.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"99226f2\" class=\"prose-heading e-heading-base e-default-h2\">Combien allez-vous recevoir ?<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-fd94c3a e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"fd94c3a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fd94c3a\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"7522e8d\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"62d2f3b\" class=\"title-md e-heading-base e-default-h2\">Cet article fait partie de l&#039;abonnement Premium.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"c01b4d1\">Les membres Premium ont acc\u00e8s \u00e0 l&#039;int\u00e9gralit\u00e9 des 100 articles et b\u00e9n\u00e9ficient de conseils, d&#039;ateliers et de s\u00e9minaires sans frais suppl\u00e9mentaires. L&#039;abonnement Premium co\u00fbte 49,99\u00a0$ par an.<\/p>\n\t\t<div class=\"elementor-element elementor-element-e847dd0 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"e847dd0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e847dd0\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"50ee2f0\">\n\tChoisissez Premium\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"c68de0c\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-47e7b24 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"47e7b24\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"47e7b24\">\n    <a class=\"elementor-element elementor-element-11a3262 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"11a3262\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"11a3262\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/retirement-planning-101-the-three-pillars-of-canadian-retirement-income\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"6377dd7\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"dd21369\">Planification de la retraite\u00a0: les trois piliers du revenu de retraite au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-2864f94 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"2864f94\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2864f94\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/oas-and-gis-government-support-after-65\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"ecbb1a7\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"8a756d4\">SV et SRG : le soutien gouvernemental apr\u00e8s 65 ans<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-7edccce e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"7edccce\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7edccce\">\n    <div class=\"elementor-element elementor-element-7b2dfd4 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"7b2dfd4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7b2dfd4\">\n    <div class=\"elementor-element elementor-element-afc9444 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"afc9444\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"afc9444\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"6fd94e7\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"0e42871\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-6c1762f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"6c1762f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6c1762f\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/retirement-planning-101-the-three-pillars-of-canadian-retirement-income\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"941f109\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"b5fac91\">Planification de la retraite\u00a0: les trois piliers du revenu de retraite au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-dd2f427 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"dd2f427\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"dd2f427\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/cpp-explained-what-you-get-and-when-to-take-it\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"332c94c\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"b89e9ec\">Le programme de pensions alimentaires (CPP) expliqu\u00e9 : ce que vous obtenez et quand le prendre<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-f72f55a e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"f72f55a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f72f55a\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/oas-and-gis-government-support-after-65\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ac58d33\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"fdae87f\">SV et SRG : le soutien gouvernemental apr\u00e8s 65 ans<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-d6ff84e e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d6ff84e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d6ff84e\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/workplace-pensions-db-dc-and-group-rrsps-made-simple\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"bdbbc03\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"fff0ab0\">R\u00e9gimes de retraite en milieu de travail\u00a0: r\u00e9gimes \u00e0 prestations d\u00e9termin\u00e9es, \u00e0 cotisations d\u00e9termin\u00e9es et REER collectifs expliqu\u00e9s simplement<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-e7a1432 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"e7a1432\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e7a1432\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/saving-for-retirement-at-every-age-20s-to-50s-and-beyond\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"b3b22ed\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"143acb2\">\u00c9pargner pour sa retraite \u00e0 tout \u00e2ge\u00a0: de 20 \u00e0 50\u00a0ans et plus<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-05c9389 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"05c9389\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"05c9389\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/rrsp-rrif-and-tfsa-in-retirement-turning-savings-into-income\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"468b046\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"b552eb8\">REER, FERR et CELI \u00e0 la retraite\u00a0: transformer son \u00e9pargne en revenu<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-40a1680 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"40a1680\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"40a1680\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/how-much-do-you-need-to-retire-a-simple-way-to-estimate\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"099b16a\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"5d66d2b\">De combien avez-vous besoin pour votre retraite\u00a0? Une m\u00e9thode simple pour l\u2019estimer<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-57447b4 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"57447b4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"57447b4\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/newcomers-and-retirement-cpp-oas-and-pensions-from-abroad\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"2435a2d\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"e16cd9c\">Nouveaux arrivants et retraite : RPC, SV et pensions de l&#039;\u00e9tranger<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-89aae13 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"89aae13\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"89aae13\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/making-your-money-last-withdrawals-inflation-and-longevity\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"52fd785\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"df72298\">Faire durer son argent : retraits, inflation et long\u00e9vit\u00e9<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-5a96cac e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5a96cac\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5a96cac\" href=\"https:\/\/gmat40.com\/fr\/topics\/retirement\/beyond-the-money-healthcare-housing-purpose-and-staying-safe-in-retirement\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a1cb626\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"07606f2\">Au-del\u00e0 de l&#039;argent : sant\u00e9, logement, sens de la vie et s\u00e9curit\u00e9 \u00e0 la retraite<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"e4a6319\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Retirement Premium Article 2 of 10 2 min read CPP Explained: What You Get and When to Take [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":633,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-635","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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