🔥🇨🇦 December CPP & OAS Shock Update: New 2025 Payments, Clawbacks & Hidden Rules Seniors Must Know!

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December 2025 brings some of the biggest CPP, OAS, GIS, and dividend-income impacts Canadians have seen in years. In this full breakdown, you’ll discover why your deposit looks different, how the 2.7% CPP increase affects your monthly budget, and what the latest OAS updates mean for seniors aged 65–74 and 75+. We also uncover the real reasons most retirees don’t receive the maximum CPP, why the average is still under $800, and what December’s inflation indexing means for your long-term income.

You’ll learn how GIS is calculated in 2025, how dividend income can unexpectedly trigger an OAS clawback, and why thousands of seniors may lose benefits due to the dividend gross-up rule. This video also explains the new CPP enhancement rules, how early vs. late CPP claiming affects your lifetime income, and why now—December 2025—is the most crucial month for year-end tax planning, RRSP timing, income splitting, and retirement strategy.

Whether you already receive CPP or OAS, expect to start soon, or want to avoid costly mistakes, this guide gives you the clarity you need. We break down real-world examples, explain international payment rules, and show how your retirement income can grow or shrink depending on your decisions this year. If you want peace of mind in 2025 and beyond, this is the video every Canadian senior should watch.

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