{"id":898,"date":"2024-04-11T20:12:00","date_gmt":"2024-04-12T00:12:00","guid":{"rendered":"https:\/\/qa.yourwebsitebuild.com\/nia\/?post_type=report&#038;p=898"},"modified":"2025-11-19T13:51:39","modified_gmt":"2025-11-19T18:51:39","slug":"introduction-opportunities-and-obstacles-to-shifting-the-paradigm","status":"publish","type":"report","link":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/","title":{"rendered":"Introduction: Opportunities and Obstacles to Shifting the Paradigm"},"content":{"rendered":"\n<p>More than a thousand Canadian baby boomers are making the CPP\/QPP claiming decision every day. An overwhelming majority (9 in 10) choose to claim benefits by age 65, whether due to natural human bias, general lack of awareness of how CPP\/QPP programs work or common financial planning practices.<\/p>\n\n\n\n<p>The financial incentives to delay claiming are substantial, and their choice will affect them for the rest of their lives.<\/p>\n\n\n\n<p>In the first release of this series, Dr. Bonnie-Jeanne MacDonald, Director of Financial Security Research for the NIA, explains why people claim these benefits earlier than they should, why better claiming behaviour is important, the obstacles to progress and what a paradigm shift would look like.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"http:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2025\/10\/April-11-2024_Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Report<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>More than a thousand Canadian baby boomers are making the CPP\/QPP claiming decision every day. An overwhelming majority (9 in 10) choose to claim benefits by age 65, whether due to natural human bias, general lack of awareness of how CPP\/QPP programs work or common financial planning practices. The financial incentives to delay claiming are [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1419,"parent":0,"menu_order":0,"template":"","meta":{"image":"<img width=\"750\" height=\"1066\" src=\"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover-750x1066.png\" class=\"attachment-card-image size-card-image wp-post-image\" alt=\"Introduction - Opportunities and Obstacles to Shifting the Paradigm report cover\" decoding=\"async\" loading=\"lazy\" srcset=\"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover-750x1066.png 750w, https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover-211x300.png 211w, https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover-720x1024.png 720w, https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover-768x1092.png 768w, https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover-1081x1536.png 1081w, https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover-1441x2048.png 1441w, https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover-1350x1919.png 1350w, https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover.png 1654w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/>","link":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/","target":"","category":"<div class=\"category\">Income Adequacy<\/div>","date_formatted":"April 11, 2024"},"category":[5,6],"stake-holder":[16,14,15],"class_list":["post-898","report","type-report","status-publish","has-post-thumbnail","hentry","category-income-adequacy","category-pensions","stake-holder-older-adult","stake-holder-policy-makers","stake-holder-sector-organizations"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Introduction: Opportunities and Obstacles to Shifting the Paradigm - NIA<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Introduction: Opportunities and Obstacles to Shifting the Paradigm - NIA\" \/>\n<meta property=\"og:description\" content=\"More than a thousand Canadian baby boomers are making the CPP\/QPP claiming decision every day. An overwhelming majority (9 in 10) choose to claim benefits by age 65, whether due to natural human bias, general lack of awareness of how CPP\/QPP programs work or common financial planning practices. The financial incentives to delay claiming are [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/\" \/>\n<meta property=\"og:site_name\" content=\"NIA\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-19T18:51:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1654\" \/>\n\t<meta property=\"og:image:height\" content=\"2351\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/\",\"url\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/\",\"name\":\"Introduction: Opportunities and Obstacles to Shifting the Paradigm - NIA\",\"isPartOf\":{\"@id\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover.png\",\"datePublished\":\"2024-04-12T00:12:00+00:00\",\"dateModified\":\"2025-11-19T18:51:39+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#primaryimage\",\"url\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover.png\",\"contentUrl\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover.png\",\"width\":1654,\"height\":2351,\"caption\":\"Introduction - Opportunities and Obstacles to Shifting the Paradigm report cover\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Introduction: Opportunities and Obstacles to Shifting the Paradigm\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/#website\",\"url\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/\",\"name\":\"NIA\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/qa.yourwebsitebuild.com\/nia\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Introduction: Opportunities and Obstacles to Shifting the Paradigm - NIA","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Introduction: Opportunities and Obstacles to Shifting the Paradigm - NIA","og_description":"More than a thousand Canadian baby boomers are making the CPP\/QPP claiming decision every day. An overwhelming majority (9 in 10) choose to claim benefits by age 65, whether due to natural human bias, general lack of awareness of how CPP\/QPP programs work or common financial planning practices. The financial incentives to delay claiming are [&hellip;]","og_url":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/","og_site_name":"NIA","article_modified_time":"2025-11-19T18:51:39+00:00","og_image":[{"width":1654,"height":2351,"url":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/","url":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/","name":"Introduction: Opportunities and Obstacles to Shifting the Paradigm - NIA","isPartOf":{"@id":"https:\/\/qa.yourwebsitebuild.com\/nia\/#website"},"primaryImageOfPage":{"@id":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#primaryimage"},"image":{"@id":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#primaryimage"},"thumbnailUrl":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover.png","datePublished":"2024-04-12T00:12:00+00:00","dateModified":"2025-11-19T18:51:39+00:00","breadcrumb":{"@id":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#primaryimage","url":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover.png","contentUrl":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-content\/uploads\/2024\/04\/Introduction-Opportunities-and-Obstacles-to-Shifting-the-Paradigm_Report_Cover.png","width":1654,"height":2351,"caption":"Introduction - Opportunities and Obstacles to Shifting the Paradigm report cover"},{"@type":"BreadcrumbList","@id":"https:\/\/qa.yourwebsitebuild.com\/nia\/reports\/introduction-opportunities-and-obstacles-to-shifting-the-paradigm\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/qa.yourwebsitebuild.com\/nia\/"},{"@type":"ListItem","position":2,"name":"Introduction: Opportunities and Obstacles to Shifting the Paradigm"}]},{"@type":"WebSite","@id":"https:\/\/qa.yourwebsitebuild.com\/nia\/#website","url":"https:\/\/qa.yourwebsitebuild.com\/nia\/","name":"NIA","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/qa.yourwebsitebuild.com\/nia\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"}]}},"_links":{"self":[{"href":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-json\/wp\/v2\/report\/898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-json\/wp\/v2\/report"}],"about":[{"href":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-json\/wp\/v2\/types\/report"}],"author":[{"embeddable":true,"href":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-json\/wp\/v2\/users\/1"}],"version-history":[{"count":0,"href":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-json\/wp\/v2\/report\/898\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-json\/wp\/v2\/media\/1419"}],"wp:attachment":[{"href":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-json\/wp\/v2\/media?parent=898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-json\/wp\/v2\/category?post=898"},{"taxonomy":"stake-holder","embeddable":true,"href":"https:\/\/qa.yourwebsitebuild.com\/nia\/wp-json\/wp\/v2\/stake-holder?post=898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}