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. 
 
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