Hi, Iam 61 years old and had planned to take my CPP at age 70. As a forced detour, I fell ill, had to leave work. I am since provided disability insurance through my work benefit plan. Unfortunately, I have since been forced to take a CPP disability benefit. This situation has greatly impacted my long term retirement plan. The consequences are far reaching. It has decreased my potential earning ability and contribution ability which of course results in a lower company pension and Cpp payout during my retirement years. I will now be forced to accept my CPP at age 65. Would enjoy reading your new book. At this point, I need all the help I can get. Althea Charles Pat