Thank you, Mr. Chair.
Thank you, everybody, for coming today and answering these questions.
The CPP benefits that a person receives are based on an average of what earnings there have been from the time the person is 18 until they retire. To accommodate the periods when a person might have some hiccups—low earnings, or zero earnings—during those years, the plan allows for the lowest eight years of earnings to be dropped out from the calculation. This exemption is referred to as a drop-out.
There are also two other items we have besides the basic exemption that specifically are called drop-outs. One is for disability, and one is for child-rearing. If the person decides to stay home to raise their child, they won't be penalized for during that during their life.
That's in the base plan. When I look in the enhanced plan, I don't see that in there. Is there a reason that's not in there, or did I miss something?