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Caethe
Canadian retirement, by the calendar
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Age milestones

What changes at 65, 70 and 71, and the dates that follow a bereavement.

A man in his mid sixties kneeling at a vegetable bed in a backyard garden in summer.
Age milestones22 Oct
Why turning 65 sets off several changes at once

Old Age Security, two tax credits, provincial drug coverage and the option to stop paying into CPP all hinge on the same birthday. Most of it happens only if someone notices.

Caethe Editorial · 6 min read
 A couple of about seventy walking along a lakeshore boardwalk in early autumn.
Age milestones22 Oct
What changes at 70 when the CPP and OAS deferral clocks stop

Seventy is the last birthday that changes a public pension. Both deferral increases hit their ceiling, CPP contributions end for good, and any delay after that is lost money.

Caethe Editorial · 5 min read
 A woman in her seventies standing at a living-room window with a cup of tea on an overcast day.
Age milestones22 Oct
The first weeks after a spouse dies, and the dates that follow

Very little has to be done in the first days. A few things matter within weeks, and the tax deadlines run on a different clock from the usual April 30.

Caethe Editorial · 6 min read
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