National Briefing on the Pension Delay Guarantee for the CPP/QPP скачать в хорошем качестве

National Briefing on the Pension Delay Guarantee for the CPP/QPP

Too many Canadians are retiring—or nearing retirement—without the financial security needed to maintain their expected standard of living. The Baby Boom generation—the largest in Canadian history—is entering what will be the longest and most expensive retirements on record. To help address this challenge, we have proposed the Pension Delay Guarantee (PDG)—a simple, low-cost reform to the CPP/QPP that removes the fear of “losing out” when delaying benefits. The PDG guarantees that if someone delays claiming and dies early, their estate doesn’t lose out. By taking the fear of dying young off the table and replacing it with confidence, retirees can make decisions that align with their best long-term financial interests—now and decades into the future. With this timely webinar we explored: Why claiming CPP/QPP benefits early remains so common—and how behavioural biases drive these choices. How the Pension Delay Guarantee works, and why it’s both feasible and affordable. What this reform could mean for millions of Canadians preparing to retire.