One thing not mentioned in the article: statistics show that women outlive men. If a man marries a younger woman (says the man who married one 7 years his junior) that also is a component of the equation. What's the family longevity background?  Me?  Not bad.  However, my (younger) wife? superb. Her 93 year old mother and three of her four sisters and her brother are all still living. The oldest just recently went into care after a fall.  The fall took place in her own home, where, up until two years ago, she gardened and mowed the lawn.  Age: 96. Good, good genes. 

Discussed CPP at length about a month ago.  Wife is going to apply now.  Age 63. What tipped the scales in that direction?  We've been retired for over two years now.  We have a better understanding of retirement expenses and cost-of-living changes (AB to BC...)