These 4 CPP and OAS Changes Hit in June — Every Canadian Retiree Must Prepare

Four changes to CPP and OAS are landing in June 2026 — and most Canadian retirees have no idea any of them are happening. One involves a government payment that will go to zero for people who did not take one specific action before the deadline. One involves a tax recovery that quietly reduces the amount landing in your account every month. One is a payment timing trap that leaves some seniors scrambling for cash. And one involves a CPP overpayment mechanism that is recovering money from retirees who were never told they owed anything. I am Andrew Graves. I work in Canadian tax and financial law. In this video I walk through all four of these changes — what they are, who they affect, the exact dollar amounts, and the specific steps you need to take before June 25. 📌 TIMESTAMPS 0:00 — The Four Changes Landing in June 0:45 — What You Will Learn in This Video 1:00 — SHAKE-UP 1: The Government Benefit Most Seniors Will Miss Entirely 6:30 — SHAKE-UP 2: The OAS Clawback Threshold That Just Moved Against You 12:30 — SHAKE-UP 3: The CPP and OAS Payment Timing Trap 18:00 — SHAKE-UP 4: The CPP Overpayment Recovery Nobody Warns You About 22:30 — Five Protective Actions to Take Before June 25 25:30 — Final Warning 📌 KEY TOPICS COVERED: ✅ GST/HST Credit and cost-of-living benefit June payment — eligibility gate ✅ OAS clawback threshold under ITA section 180.2 — 15% recovery tax ✅ RRIF minimum withdrawals and the OAS clawback feedback loop ✅ CPP and OAS payment dates for June 2026 — the 33-day gap ✅ CPP overpayment recovery under CPP Act sections 81 and 82 ✅ Bank of Canada rate at 2.25% and June 10 decision — GIC impact ✅ Five protective actions before June 25, 2026 ⚠️ DISCLAIMER: This video is for educational purposes only and does not constitute legal or financial advice. Consult a qualified Canadian tax attorney or CPA for your specific situation. Subscribe for weekly videos breaking down the CRA rules, tax laws, and financial regulations that affect ordinary Canadians. #CPP2026 #OAS2026 #CanadaPensionPlan #OldAgeSecurity #CRA #CanadianRetirement #PersonalFinance #AndrewGraves