4 CPP & OAS Rules Canadians Need to Know Before Retirement in 2026

Описание: CPP and OAS form the foundation of retirement income for millions of Canadians, but several important rules affect how much you receive.
In this video, Ethan explains four CPP and OAS rules Canadians should understand before retirement, including the CPP child-rearing provision, CPP survivor benefits, when to start CPP and OAS, and how the OAS clawback interacts with RRSP and RRIF withdrawals.

For October 2026, the video discusses current CPP and OAS figures and explains how these government retirement programs fit into a broader Canadian retirement income strategy. Every retirement situation differs. This video provides general educational information and does not provide individualized financial, investment, legal, or tax advice. Subscribe to Ethan Talks Canadian Finance for practical videos about Canadian retirement, CPP, OAS, RRSPs, RRIFs, TFSAs, taxes, investing, and personal finance.

CHAPTERS
00:00 The CPP & OAS Numbers Canadians Need to Know
01:32 How Much CPP and OAS Pay in 2026
02:40 Rule 1: The CPP 39-Year Rule
03:22 CPP Child-Rearing Provision
04:29 Rule 2: CPP Survivor Benefits
05:47 CPP Pension Sharing for Couples
06:13 Rule 3: When to Start CPP and OAS
06:23 Taking CPP at 60 vs 65 vs 70
06:46 Delaying OAS Until 70
07:32 What Happens When You Delay CPP
08:32 Rule 4: The OAS Clawback
09:52 RRIF Withdrawals and OAS
10:48 Using a TFSA in Retirement
11:13 RRIF Spousal Age Rule
11:31 When Deferring OAS Might Matter
11:53 The 4 Rules Recapped
12:27 Check Your Personal CPP Estimate

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