Soldier1995
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I’ve seen similar questions but have one specific to CPP offsets. If I receive the minimum IRB, after 65 it reduces to 70%. This much I’m clear on. I can’t seem to wrap my head around CPP offsets. It seems to me that collecting CPP at any age, will be IRB - CPP (offset) + CPP (income) = the exact same monthly payment. Choosing to collect CPP or not, doesn’t change my monthly benefit total. Does this sound right?