I think the assumption of the government is that, given adequate notice of this, people will adjust by working longer or conceivably saving more.
But in terms of who works longer, when Statistics Canada surveys ask people aged 65 why they have retired, about a quarter of people report that they took the retirement decision by reason of ill health or to care for another person. Certainly for women, caring for another person would likely be much more significant.
That's quite a significant chunk. The CCPA put out a report on this. But more and more people are working past age 65. When you look at this group, a very large chunk of those people are either working part-time—and the proportion of all the workers in areas such as retail is growing—or they're self-employed. For a very significant sub-group, they're not really earning very much income.
The most vulnerable are people who are in some financial and economic difficulties when they're turning age 65 and entering that age group. Certainly there are older workers who have lost their jobs and stable employment well before that age, who have been victims of industrial restructuring and so on. Women are more dependent on OAS and GIS than men, because they've typically built up less in pension income over the course of their lives, including CPP.