Changes to your pension at 65

when you retire before age 65, OPTrust pays you a bridge benefit until your 65th birthday
at age 65 the bridge benefit ends
Your Retirement Confirmation letter states your age 65 pension amount
you can apply to collect CPP at age 60
you may be in a higher tax bracket when you start receiving CPP

decide when to collect CPP, you can start as early as age 60
- you must apply with Service Canada to collect CPP
apply with Service Canada for Old Age Security (OAS), six months before your 65th birthday
update your TD1 if your tax bracket changes
register for OPTrust’s Online Services – to see your month PICS statement and to update your pension file

when any life changes occur – marriage, separation, divorce, death, new beneficiaries
changes to contact information – address, phone number, e-mail address