Old Age Security (OAS)
Monthly pension for seniors: eligibility, residence, and how clawbacks may apply at higher incomes.
OAS is a monthly benefit funded from general revenues. It is not the same as CPP—eligibility is based on age and residence in Canada (or qualifying agreements abroad). Higher-income seniors may repay part of OAS through the recovery tax.
Check Service Canada for payment dates, application windows, and deferral options.
- Apply through Service Canada or online
Timing: you can defer OAS for a higher amount later—evaluate your situation.
- Proof of legal status and residence in CanadaOften required
Documents depend on whether you apply from inside or outside Canada.
- Payment amounts are reviewed quarterly; see Service Canada for current figures.
- Recovery tax (clawback) applies when net income exceeds a threshold—verify annually.
- GIS (Guaranteed Income Supplement) is separate and income-tested for low-income OAS recipients.
- Generally age 65+, meet legal status and residence requirements (years lived in Canada after age 18).
- You can defer OAS for a higher monthly amount (max deferral rules apply).
- Non-residents may receive OAS only if they meet specific international social security or residence rules.
Disclaimer
This guide is for general information only. Tax and benefit rules change. Always confirm current requirements with the Canada Revenue Agency, Service Canada, or a qualified financial or tax professional before making decisions.