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But life expectancy is probably the biggest factor that impacts the CPP timing decision. My mother was in good health in her early 60s and I encouraged her to defer the start of her pension for this and other reasons. Unfortunately, she developed a terminal illness and died when she was 66. She began her CPP once we knew she was sick. One of her fears, like many others, was running out of money. If you die young, you may be less likely to run out. Those who live to age 100 are arguably more at risk and CPP deferral protects against this risk.

If we knew how long we would live, it would help with decisions such as when to start CPP, as well as other financial and non-financial choices. My best advice to those considering a CPP application is the same advice that I gave to my own mother: consider all the factors and make a personal decision on that basis. If circumstances change, so can your timing decision.

Jason Heath is a fee-only, advice-only certified financial planner (CFP) at Objective Financial Partners Inc. in Toronto. He does not sell any financial products whatsoever.

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