FP Answers:
A few assumptions were made in the calculations including: no bridge pension benefit on Ron’s pension, your CPP estimated amount at $400 monthly starting at age 60, and Ron’s CPP at age 60, which would be 36 per cent less than the 100-per-cent maximum he’d get if he started collecting it at age 65. Remember, your principal residence will still be in your final estate, or it can be used as equity at an earlier point. CPP benefits for you, Connie, the family’s primary caregiver, include a “child rearing” provision. If you are deemed eligible, the child-rearing period of seven years will be excluded from the contributory period when calculating your CPP benefit amount, ensuring that you get the highest possible payment.
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