how many years do you have to work to get maximum cpp

To get the maximum Canada Pension Plan (CPP) retirement benefit, you generally need to contribute to CPP for about 39 to 40 years at or near the maximum contribution level. This means making the maximum CPP contributions for approximately 39 years during your working life to receive the full pension amount. The CPP Enhancements have increased the maximum pension to replace about 33% of your average pre-retirement earnings for those who contribute at full rates for 40 years. Starting contributions in early adulthood (around age 20) and working with continuous contributions until about age 59 or 60 can help you qualify for maximum CPP. However, only a small percentage of Canadians meet this criterion due to various breaks in contributions. Additionally, delaying taking your CPP pension until age 70 will increase your monthly payments compared to starting at age 65 or earlier, with the maximum benefit reached at age 70. In summary, about 39 to 40 years of work with maximum contributions are needed to get the maximum CPP pension.