When to take CPP (RRQ) / OAS

[August1991]

1. If you are working, have any income - delay OAS to 70.

Otherwise, I would take it at 65 or ASAP.

Note: OAS is based on years in Canada.

2. CPP/RRQ payments are complicated.

2a. I knew a Russian woman who took the money and ran. She gets about $110 monthly.

2b. I started to receive mine (RRQ) when I was 63. But I still contribute.

 

 

[eyeball]

I took mine at 60. I have a medical condition that might shorten my life and the length of time I get to enjoy the fruits of my labour so it made sense to start collecting it. I'm still working, earning more than ever and contributing so...it works for me.

[Moonbox]

On 4/11/2026 at 11:37 PM, August1991 said:

1. If you are working, have any income - delay OAS to 70.

Otherwise, I would take it at 65 or ASAP.

Note: OAS is based on years in Canada.

2. CPP/RRQ payments are complicated.

2a. I knew a Russian woman who took the money and ran. She gets about $110 monthly.

2b. I started to receive mine (RRQ) when I was 63. But I still contribute.

This sort of blanket advice is poor guidance. 

Taking CPP early or delaying depends on each individual.  Eyeball is a good example of someone who should take it early.  

[August1991]

On 4/29/2026 at 12:19 PM, Moonbox said:

This sort of blanket advice is poor guidance. 

Taking CPP early or delaying depends on each individual.  Eyeball is a good example of someone who should take it early.  

I entirely agree, Moonbox.

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But since men die young, I generally suggest them to take CPP early.

Women? Who are they saving for?