I respectfully beg to differ on one small point.  I know a number of people with DB pensions with a bridging factor who - for a variety of reasons - started collecting CPP prior to age 65. In every case they knew that once the bridging factor stopped (at age 65), their "early receipt" CPP would not be quite as large as the bridge itself.  At least their small age 65 CPP shortfalls were eliminated by starting to collect OAS at that age.  Agree that his combined government and employer pensions will be nice at age 65!