Who handles pensions & retirement?
Pensions & Retirement
Pensions are primarily federal and provincial. Federal administers CPP and OAS, provinces regulate private pensions, and municipalities manage their own employee pension plans.
⚠️ Shared Jurisdiction: This area involves multiple levels of government. The information below shows the primary responsibility at each level, but overlap is common. When in doubt, start with the level most directly related to your issue.
Federal
Parliament of Canada
- ● Canada Pension Plan (CPP) / Quebec Pension Plan (QPP)
- ● Old Age Security (OAS) and Guaranteed Income Supplement (GIS)
- ● Registered Retirement Savings Plans (RRSP) regulation
- ● Tax-Free Savings Accounts (TFSA)
💡 Example: Contact Service Canada about CPP/OAS, or your MP about pension policy.
Provincial
Provincial Legislature
- ● Provincial pension regulation
- ● Provincial pension plans for public servants
- ● Private pension oversight
- ● Retirement home regulation
💡 Example: Contact your provincial pension regulator about private pension concerns.
Municipal
City / Town Hall
- ● Municipal employee pension plans
- ● Local retirement services and programs
- ● Senior centres and resources
- ● Age-friendly community planning
💡 Example: Contact your municipal HR about pension matters, or your councillor about senior services.
Quick Reference — Who to Contact
🏛️ Federal
Your Member of Parliament (MP)
🏢 Provincial
Your MPP, MLA, or MNA
🏘️ Municipal
Your City Councillor
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