Self-employed individuals – you are contributing to the CPP and may not notice it, it’s included as part of the tax calculations. The amount can seem significant as you are required to cover both the employer and employee share of the premiums.
Employed individuals – you contribute to the CPP through your employment and your employer pays into the plan on your behalf as well.
In both cases (employed and self-employed) you will continue to contribute to the CPP until age 70, as long as you are working, EVEN if you have elected to begin collecting CPP early (it’s possible to apply as early as age 60).
After age 65, if you are working, you can choose to opt out if you wish, to do so you must file a form with your employer.
More information can be found at: