Isabel has made maximum annual contributions into the Canada Pension Plan during most of her working life as a teacher. She has decided to start receiving her CPP retirement benefits on her 63 rd birthday when she retires in 2021 . If she retired on her 65 th birthday in 2023 , she would receive an annual CPP benefit of $11,840. What is the amount of the CPP benefit that she will receive when she retires this year? $9,136.66 $9,201.32 $9,282.56 $10,135.04