It was my intention to defer. But I am retired from the Canadian Forces and receiving a pension under the Canadian Forces Superannuation Act (CFSA). There is a bridging component to that CFSA pension which a CF retiree receives from retirement to, what I had mistakenly thought, was the point at which one began receiving CPP.

So imagine my surprise when I received a letter with congratulations for turning 65 and information that, because of my age, my CFSA pension would be cut by that bridging amount. So there I was at 65 experiencing a drop in income, submitting a very hurried application for CPP!

(Though it hadn't occurred to me to follow this particular suggestion based on savings. It may have been sensible, but we have been trained to think in terms of leaving savings alone.)