The 2015 workplace mental health priorities report

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When to start your Canada/Quebec pension plan & old age security benefits

You may start to receive your Canada Pension Plan (CPP) retirement benefits any time between ages 60 and 70. You may start to receive your Old Age Security (OAS) benefits any time between ages 65 and 70. But when is the optimal age to start?

Despite the opinions expressed by many retirement experts, there is no single right answer – it depends on your specific situation. In this article, we set out a balanced review of the advantages and disadvantages of starting your government retirement income early and late.

Read more on Benefits and Pensions Monitor.

Article by Nichola Peterson, vice president and actuary in the retirement solutions practice with Morneau Shepell.