retirement benefits

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Canada’s eligibility age for government retirement benefits still stuck in the past

An aging population means more spending on health care and income support for older people.

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Age of eligibility for government retirement programs—Canada remains an outlier

In 2015, the federal government scrapped plans to increase the age of eligibility for OAS and GIS.

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By 2047, the costs of OAS and GIS will increase by an estimated 47 per cent.

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Government workers in Alberta are away from their jobs for personal reasons 73 per cent more days per year than private sector workers.

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Reversing course and raising the age of eligibility for retirement benefits to 67 from 65 would be politically costly, but it makes eminent sense when one considers the aging of our population.

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CPP expansion will mean several thousands of dollars more in annual contributions from working Canadians.

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The rate of return Canadians—especially younger workers—will receive on their CPP contributions is meagre and will remain so even after expansion.

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For working Canadians, contributions to the Canada Pension Plan (CPP) are a regular bill observed on their paycheques.

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Given that most Ontarians are well-prepared for retirement, the ORPP is a solution in search of a problem.