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Join us for a briefing on why a comprehensive, one-size-fits-all Guaranteed Annual Income should not be seen as the ideal goal by policymakers. Long-standing social objectives, including antipoverty goals, can be met by a more multidimensional understanding of poverty and by developing a new generation of social programs. Inside Access is an exclusive, members-only opportunity: 30 minute…

Ottawa should move to reform seniors’ benefits in the upcoming budget by letting recipients choose richer payments, later, from the Old Age Security and Guaranteed Income Supplement programs if they wish, according to a report from the C.D. Howe Institute.  In “What to do About Seniors’ Benefits in Canada: The Case for Letting Recipients Take Richer Payments Later,” William B.P. Robson says…

Advocates of the expanded CPP call the new plan “fully funded,” and emphasize the security and reliability of its promised benefits. In an uncertain world, however, even the Canada Pension Plan makes no guarantees. Ottawa and the provinces should explain the risks of the plan more clearly, and create new regulations to protect younger Canadians by limiting potential contribution-rate increases.…

While Ottawa’s proposed reforms to the pension plans of federal employees and MPs are a move in the right direction, the deep flaws in these plans require more fundamental revisions, according to a report released today by the C.D. Howe Institute. In  “Federal Employee Pension Reforms: First Steps – on a Much Longer Journey,” authors William B.P. Robson and Alexandre Laurin argue that more…

The Study in Brief Simple changes to tax rules can improve retirement security for Canadians, as well as make the retirement system more equitable among different classes of savers, and more efficient at managing longevity risks for capital decumulation. This E-Brief provides a discussion of needed retirement-related tax changes impacting members of capital accumulation plans, such as RRSPs and…

Reforms underway to the Canada Pension Plan (CPP), which impose higher penalties for opting to receive CPP before age 65 and greater rewards for delaying take-up until after 65, were meant to ensure people do not have a strong financial incentive to retire early and take-up CPP at age 60, according to a report from the C.D. Howe Institute.  In “Comparing Nest Eggs: How CPP Reform Affects…