Retirees: Here’s 1 Simple Trick to Max Out Your CPP Pension More on: Image source: Getty Images Canada Pension Plan (CPP) users who received the maximum payout did a herculean task. It’s a tough goal to achieve, and based on 2016 data, only 6% of CPP recipients did the impossible. Strictly speaking, you must have contributed at least 39 years between the age of 18 and 65. Many would-be CPP claimants don’t aspire for the maximum payout. However, an important decision is the most straightforward trick to receive higher pension payments. If you’re in good health and no urgent financial needs, delay your CPP until age 70.