Chapter 12: Government Pensions Programs

In this section

• Canada Pension Plan (CPP) and Quebec Pension Plan (QPP)
  Public pension programs offering retirement, disability, and survivor benefits for Canadians, with unique provisions for Quebec residents.
• Old Age Security (OAS) Program
  Comprehensive guidance for Canadian wealth managers on the Old Age Security (OAS) program—covering eligibility, deferrals, recovery tax (clawbacks), and strategic considerations for retirement income planning.