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Not an easy decision to make. Non contributing years really impact your CPP as does divorce and CPP splits and if you made max payments to CPP. There is no one size fits all solution, each person needs to run their numbers. I personally would love to wait but having retired early, I now have too many non contributing years and will take CPP at 60 and wait for OAS at 70. Sallyann Winifield Goldshlag

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