Funny that the article never mentioned the largest group of people who take their CPP, which are those that receive a government pension, a teachers pension or those affiliated with Omers. Taking your CPP at 60 for those people is essential and is viewed as "free" money particularly if they are retired. Those that are retired draw a reduced CPP and their government pension for 5 years . When they turn 65 they continue to receive CPP and their government pension, except that their government pension is reduced by the amount of the CPP. The offset of approximately $500 is then picked up by the OAS. If you delayed your pension to 65, you would in theory lose it.