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if you choose to delay application for CPP, you take the risk of premature death and the loss of any future payouts.

CPP provides a death benefit to a maximum of $2,500 for eligible pensioners—not even three months’ worth of retirement payments. So, if you choose to delay application for CPP, you take the risk of premature death and the loss of any future payouts.

In 2015, the required annual CPP employee contribution limit for high-income earners was $2,479.95—double that amount for self-employed individuals. Applying for CPP as early as possible is the only way to guarantee that at least some of those contributions will be returned to you.

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