How do I change when each spouse starts CPP or QPP?
Where to find it: CPP/QPP and OAS, LIFE EVENTS
Open CPP/QPP and OAS and enter the age and additional months to begin the pension. Save and continue to complete the spouse’s form too; each person has their own start setting.
For example, to test your pension starting at 67 while your spouse starts at 65, enter those ages on the respective forms.
The permitted start-age range depends on whether you select CPP or QPP.
Rerun TIME MACHINE and inspect the pension income around both start dates, or use the CPP/QPP optimizer to compare start-date combinations.