Your Canada Pension Plan (CPP) payment is low, perhaps $20 CAD, because it depends heavily on your earnings history and contribution duration, not just time worked; factors like starting early, lower earnings, not maxing out contributions, or not contributing consistently over your career, especially to the CPP Enhancement (post-2019), significantly reduce your payout, so checking your My Service Canada Account for your statement is key to understand the specific reason for a small amount.
Your Canada Pension Plan (CPP) payment is low, perhaps $20 CAD, because it depends heavily on your earnings history and contribution duration, not just time worked; factors like starting early, lower earnings, not maxing out contributions, or not contributing consistently over your career, especially to the CPP Enhancement (post-2019), significantly reduce your payout, so checking your My Service Canada Account for your statement is key to understand the specific reason for a small amount.