Should I Delay CPP & OAS Until Age 70? – Complete Answer with Real-Life Examples (Updated)

Unconventional Wisdom · Jul 31, 2025 · 27m

Most seniors start their CPP and OAS when they retire or at age 65, without evaluating the options. But many would benefit from delaying CPP until age 70.

Here's how to figure out what's best for you.

CPP and OAS offer cool opportunities to increase after-tax income, because seniors often have flexibility in choosing taxable vs. non-taxable income, and OAS comes with several "clawbacks" beyond regular tax.

To spot these opportunities, you need to think creatively about pensions, tax, and investments.

After 65, the biggest factors in deciding whether to delay CPP are whether you'll need to…