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Most people do not realize that they have to submit an application to receive their CPP.

You can apply as early as one year in advance of the month you wish to intend on receiving benefits.

Because you will need to address a number of key questions, you will want ample time to prepare your application.

The most pressing question is, when do you want to start receiving benefits? You can choose to start receiving benefits at any time between the ages of 60 and 70.

When benefits start prior to age 65, there is a reduction in the benefit. However, if you delay receipt of your benefits beyond 65 your benefits will increase.

Talking with me, a certified Financial Planner for the past 25 years can help you make an informed decision on when is the right time to start taking your CPP benefits