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Candy On Bone
A Canadian magazine for the best years
The Monthly Letter
Section

Pensions

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CPP, OAS and the payments that land in the account every month.

A couple in their sixties walking a lakeside path in late afternoon light.
Pensions · Sponsored
The annual CPP increase that affects millions of Canadians

A change to Canada Pension Plan payments took effect in January 2026. The adjustment was 2.0% — but it does not add the same number of dollars to every pension.

· 9 min read
 A wall calendar in a kitchen with a few dates marked in pencil.
Pensions
The CPP payment date most people get wrong by a week

CPP does not arrive on the first of the month, and December is not like the others. The 2026 dates, and why they move.

· 6 min read
 A woman in her early sixties sitting at a desk with paperwork and a pocket calculator.
Pensions
What it really costs to start CPP five years early

Taking the pension at 60 cuts it by 36% for life. Waiting until 70 raises it by 42%. The arithmetic is fixed; the right answer is not.

· 8 min read
 An older woman at a dining table with a closed document folder and reading glasses.
Pensions
What happens to a CPP pension when a spouse dies

The survivor's pension is not a continuation of the other person's cheque. Here is how it is built, and the ceiling that surprises people.

· 7 min read
 Several opened plain envelopes and folded letters on a wooden table.
Pensions
The four retirement payments Canadians mix up most

CPP, OAS, GIS and Quebec's QPP are four different programs with four different rulebooks. Confusing them is where most of the mistakes start.

· 8 min read
 A man in his late sixties reading a printed statement at a desk by a window.
Pensions
The line on your CPP record that almost nobody checks

Your statement of contributions goes back to your first job. Gaps in it are common, sometimes wrong, and occasionally fixable.

· 7 min read
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