# Calculating CPP-R **URL:** \ **Category:** CPP Disability\ **Created:** [February 18, 2018, 5:24pm UTC](https://forum.resolutelegal.ca/t/calculating-cpp-r/1053 "2018-02-18T17:24:12Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [February 18, 2018, 5:24pm UTC](https://forum.resolutelegal.ca/t/calculating-cpp-r/1053/1 "2018-02-18T17:24:12Z")
If you get CPP-D at 60, does Service Canada assume the minimum contribution for years 61-64 when they switch your CPP-D to CPP-R? Or do they just stop counting years above 60? ---
**Author:** ![Rupert](https://avatars.discourse-cdn.com/v4/letter/r/f14d63/32.png) [@Rupert](https://forum.resolutelegal.ca/u/Rupert)\ **Post date:** [February 20, 2018, 2:52am UTC](https://forum.resolutelegal.ca/t/calculating-cpp-r/1053/2 "2018-02-20T02:52:13Z")
My understanding is from talking to them that as long as you qualify for CPP-D, when you retire and collect your retirement CPP, they will pay you similarly as if you were working and continuing to make contributions thru those years - in your case from 60 to 65. I also think because you are on CPP-D, when you reach 65 you may ge a little more than you normally would if working and contributing. Via previous discussions, I will get approximately 80% of my CPP-D when I retire. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [February 20, 2018, 3:56pm UTC](https://forum.resolutelegal.ca/t/calculating-cpp-r/1053/3 "2018-02-20T15:56:15Z")
That would be great. Hopefully I’ll live long enough to find out. 🙂 ---
**Author:** ![Rupert](https://avatars.discourse-cdn.com/v4/letter/r/f14d63/32.png) [@Rupert](https://forum.resolutelegal.ca/u/Rupert)\ **Post date:** [February 20, 2018, 9:32pm UTC](https://forum.resolutelegal.ca/t/calculating-cpp-r/1053/4 "2018-02-20T21:32:14Z")
Hope so!! Another person on this site also confirmed it was 80% of your CPP-D. Of course it is also taxed. ---
**Author:** ![Doug](https://avatars.discourse-cdn.com/v4/letter/d/dbc845/32.png) [@Doug](https://forum.resolutelegal.ca/u/Doug)\ **Post date:** [March 2, 2018, 9:09pm UTC](https://forum.resolutelegal.ca/t/calculating-cpp-r/1053/5 "2018-03-02T21:09:03Z")
Hi Jammer - The correct answer is that your entire period of CPP-D is excluded from your “contributory period”, which has a similar effect as if they projected your lifetime average earnings when you became disabled, through to age 65. Your CPP disability pension is calculated as being 75% of your “calculated retirement pension” when you became disabled, plus a flat-rate benefit ($485.20 for 2018). If you want to estimate how much your retirement pension will be (in current-year dollars), you simply reverse those steps. For example, if you were currently receiving CPP-D of $1,335.83, it would convert to a retirement pension of $1,134.17 ($1,335.83 - $485.20 = $850.63 / 75% = $1,134.17), which works out to almost 85% of the CPP-D amount. If you had a very small CPP-D amount though (let’s say $600), it would convert to a retirement pension of approx. $153.07 ($600 - $485.20 = $114.80 / 75% = $153.07, which works out to only 25% of the CPP-D amount. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [March 9, 2018, 8:41pm UTC](https://forum.resolutelegal.ca/t/calculating-cpp-r/1053/7 "2018-03-09T20:41:23Z")
This makes my brain hurt. ☹ Is a 1.5% increase to CPP-D and CPP-R each year a reasonable assumption? My CPP-D now is $x and my estimated CPP is $y which is 68.2% of x so if I increase CPP-D by 1.5% until age 65 and then take 68.2% of that, do I get my CPP-R? ---
**Author:** ![kevinl31](https://avatars.discourse-cdn.com/v4/letter/k/7ba0ec/32.png) [@kevinl31](https://forum.resolutelegal.ca/u/kevinl31)\ **Post date:** [March 10, 2018, 4:01pm UTC](https://forum.resolutelegal.ca/t/calculating-cpp-r/1053/8 "2018-03-10T16:01:50Z")
If you have a My Service Canada account you can log on and will have access to your CPP-D amount as well as CPP amounts based on when you retire. [https://www.canada.ca/en/employment-social-development/services/my-account.html](https://www.canada.ca/en/employment-social-development/services/my-account.html) ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [March 10, 2018, 5:25pm UTC](https://forum.resolutelegal.ca/t/calculating-cpp-r/1053/9 "2018-03-10T17:25:52Z")
Is that amount accurate given that I’m receiving CPP-D? If I add 1.5% to that for each year until age 65 will I get a close number of what my CPP-R will be at 65?