CPP 2026 Alert: Why Your January Payment Might Not Show the Full 2% Increase!

Описание: If you're expecting a full 2% cost of living increase on your January 2026 CPP payment, you might be surprised when you check your bank account. Thousands of Canadian retirees could see a smaller deposit than anticipatedand there are several important reasons why. In this video, we explain exactly what's happening with your CPP adjustment, why your payment might look different than expected, and what steps you should take to ensure you're receiving every dollar you're entitled to.
🇨🇦 What You'll Learn:
How the CPP cost of living adjustment is calculated each year
Why Statistics Canada's Consumer Price Index determines your increase
The real reasons your January payment might appear lower than expected
How tax withholding changes can offset your benefit increase
What GIS recipients need to know about income-tested adjustments
How to verify your payment through My Service Canada Account
When to contact Service Canada and what to ask
Tips for tracking your benefits and avoiding payment confusion
00:00 Introduction – The January Payment Surprise
01:45 How CPP Cost of Living Adjustments Actually Work
04:20 What We Know About the 2026 Increase
07:10 Reason One – Processing Timing and System Updates
09:35 Reason Two – Income Tax Withholding Changes
12:00 Reason Three – GIS Income Testing Effects
14:25 Reason Four – Overpayment Recovery Adjustments
16:40 How to Verify Your Payment Is Correct
18:15 Contacting Service Canada – What You Need to Know

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DISCLAIMER:
I am not a financial advisor. This video is for educational purposes only. Please consult a certified financial planner or Service Canada for your specific situation.