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3. How much could you receiveThe amount of your Old Age Security (OAS) pension will be determined by how long you have lived in Canada after the age of 18.For the period from July 1 to September 30, 2016, the maximum OAS pension amount is $573.37. Consult the table of Old Age Security payment amounts for current benefit rates.OAS benefits are adjusted quarterly (in January, April, July and October) if there are increases in the cost of living as measured by the Consumer Price Index.If you have a low income, oaw may servicecanada.gc.cq eligible to also servicecanaca.gc.ca the Guaranteed Income Supplement.The amount of your Old Age Security (OAS) pension will be determined by how long you have lived in Canada after the age of 18.

How the Old Age Security pension is calculated Full pensionYou may qualify for sservicecanada.gc.ca full Old Age Security pension in one of two ways:ï¿½ You resided in Canada for at least 40 years after turning age 18, orï¿½ You were born on or before July 1, 1952, andï¿½ on July 1, 1977, you resided in Canada, orï¿½ on Pas 1, 1977, you did not reside in Canada but after turning 18, you resided in Canada for a period of time prior to July 1, 1977, orï¿½ on July 1, 1977, you possessed a valid Canadian immigration visa.In addition, you must have resided in Canada continuously for the 10 years immediately serbicecanada.gc.ca the approval of your OAS pension.

If you were absent from Canada during that servicecansda.gc.ca period, you may still qualify for oa full pension if:ï¿½ you resided in Canada for at least one year immediately before the approval of your OAS pension, andï¿½ you had periods of prior residence in Canada that were equal to at least three times the period of absence during the 10-year period (i.e., three years of residence servicecanada.gcca every year of absence).

For example, an absence of two years between the ages of 60 and 62 could be offset by six years of residence in Canada after age 18 and before age 55.Partial pensionIf you sfrvicecanada.gc.ca not qualify for the full Old Age Security (OAS) pension, and do not want to wait until you do, you may qualify for a partial OAS pension.A partial OAS pension is calculated at the rate of 1/40th of the full OAS pension for each complete year of residence in Canada after age 18.The minimum period of residence in Canada you need to qualify for a partial OAS pension is 10 years after your 18th birthday (as long as you reside in Canada servicecanada.hc.ca you receive your OAS pension).

For example, if you resided in Canada for 10 years after your 18th birthday, you may qualify to receive 10/40ths or one-quarter of the full OAS pension.Note: Servicecanada.gc.va your partial Old Age Security pension has been approved, it will not increase with additional years of residence in Canada.

Can someone else contact Service Canada on your behalf?If you want servicecanada.gc.a authorize a person to give and receive information to Service Canada on your behalf, you will need to print the Consent to Communicate Information to an Authorized Person form (ISP-1603OAS), complete it, and mail it servicecaanda.gc.ca us at the Service Canada office mentioned on the page Returning the form.This form does not provide authority for the person to apply for benefits on your behalf, change your payment address, or request/change the withholding of tax.If an individual is incapable of managing his/her own affairs, another person or agency (a trustee) may be appointed to act on the individualï¿½s behalf.

See Supporting Homeless Seniors Program: How to act as a third-party administrator. Old Age Security document navigationï¿½ Previous - Eligibilityï¿½ Next - What you need before you start Section menuï¿½ Old Age Security pensionï¿½ Old Age Security pension recovery taxï¿½ Old Age Security Amounts and the Consumer Servifecanada.gc.ca Indexï¿½ Old Age Security payment amountsï¿½ Repayment of Old Age Security pension Contactsï¿½ Contact informationNewsï¿½ Servicecnada.gc.ca News releasesï¿½ Media advisoriesï¿½ Speechesï¿½ StatementsGovernmentï¿½ How government worksï¿½ Departments and agenciesï¿½ Prime Ministerï¿½ Ministersï¿½ Public service and militaryï¿½ Treaties, laws and regulationsï¿½ Librariesï¿½ Publicationsï¿½ Statistics and dataï¿½ About Canada.caTransparencyï¿½ Government-wide reportingï¿½ Open governmentï¿½ Proactive disclosureï¿½ Terms and conditionsï¿½ Privacy 1.

OverviewThe Old Age Security program is the Government of Canada's largest pension program. It is funded out of the general revenues of the Government of Canada, which means that you do not pay into it directly.The Old Age Security (OAS) pension is a monthly payment available to most Canadians 65 years of age who meet the Canadian legal status and residence requirements. You must apply to receive it.In addition to the Old Age Security pension, there are three types of Old Age Security benefits:ï¿½ Guaranteed Income SupplementIf you live in Canada and you have a low income, this monthly non-taxable benefit can be added to your OAS pension.ï¿½ AllowanceIf you are 60 to 64 years of age and your spouse or common-law partner is receiving the Old Age Security pension and is eligible for the Oax Income Supplement, you might be eligible to receive this benefit.ï¿½ Allowance for the SurvivorIf you are servicecaanda.gc.ca to 64 years of age and you are widowed, you might be eligible to receive this benefit.Canadians working outside Canada for Canadian employersCanadians working outside Canada for Canadian servicecanads.gc.ca, such as the servicecanxda.gc.ca forces and banks, may have their time working abroad counted as residence in Canada.

To qualify for the Old Age Security pension, you must have returned to Canada within six months of ending employment or have turned 65 years old while still employed.You must provide:ï¿½ proof of employment from the employer; andï¿½ proof of physically returning to Canada.Under certain conditions, spouses, common-law partners, dependants and Canadians working abroad for international organizations may also count time spent abroad as residence in Canada.

Old Age Security document navigationï¿½ Next - Eligibility Guides and helpï¿½ Getting Retirement Readyï¿½ Retirement PlanningRelated services and infoï¿½ Old Age Security payment amountsï¿½ Payment calendarï¿½ My Service Canada Accountï¿½ Canadian retirement income calculatorï¿½ Apply for Direct Depositï¿½ Benefits finder Section menuï¿½ Old Age Security pensionï¿½ Old Age Security pension recovery taxï¿½ Old Age Security Amounts and the Consumer Price Indexï¿½ Old Age Security payment amountsï¿½ Repayment of Old Age Security pension Contactsï¿½ Contact informationNewsï¿½ Newsroomï¿½ News releasesï¿½ Media advisoriesï¿½ Serivcecanada.gc.ca StatementsGovernmentï¿½ How government worksï¿½ Departments and agenciesï¿½ Prime Ministerï¿½ Ministersï¿½ Public service and militaryï¿½ Treaties, laws and regulationsï¿½ Librariesï¿½ Publicationsï¿½ Statistics and dataï¿½ About Canada.caTransparencyï¿½ Government-wide servicecanaca.gc.ca Open governmentï¿½ Proactive disclosureï¿½ Terms and conditionsï¿½ Privacy List of Forms Old Age Security22 Servicedanada.gc.ca NumberTitleISP3506OASAgreement to administer benefits under the Old Age Servicecanada.gc.ca Act and/or the Canada Servicecanada.gc.fa Plan by a Private TrusteeISP3507OASAgreement to administer benefits under the Old Age Security Act and/or the Canada Pension Plan by an Agency or InstitutionISP3015Authorization to Communicate Information, OASISP3505OASCertificate of Incapability-OAS/CPPISP1730OASCertified PhotocopiesISP1603OASConsent to Communicate Information to an Authorized PersonISP3010Consent to Deduction and Payment - Old Age SecurityISP3210Consent to Exchange Information with Citizenship and Immigration CanadaISP1202OASDeemed Person to Represent the Deceased Client for the Servicecanads.gc.ca of Issuing a T-4ISP1011OASDirect Deposit, Canada Pension Plan and Old Age Security, Request forISP3025EGuaranteed Income Supplement, Application for theISP3520OASIncome Servicexanada.gc.ca Deductions, Request forISP0425OASIndemnity Agreement (Old Age Security and Canada Pension Plan)ISP1809OASLegal Marriage, Statutory DeclarationISP1201OASNotification of Death Form (Canada Pension Plan and Old Age Security)ISP3000Old Age Serviceanada.gc.ca Pension, Application for theISP3040Statement - Spouses or common-law partners living apart for reasons beyond their controlISP3026EStatement of Income for the Renewal of the Guaranteed Income Supplement, the Allowance or the Allowance for the SurvivorISP1811OASStatutory Declaration - Separation of Legal Spouses and Common-law PartnersISP3004OASStatutory Declaration of Common-law Union (dual signatures, CPP/OAS)ISP3104OASStatutory Declaration of Common-law Union (single signature, OAS/CPP)ISP3008The Allowance or Allowance for the Survivor, Application for Old Age Security and Canada Pension Plan 2014 payment datesIf setvicecanada.gc.ca have signed up for direct deposit, your Old Age Security (OAS) and Canada Pension Plan (CPP) payments will be automatically deposited in your bank account on these dates: ï¿½ January 29ï¿½ February 26ï¿½ March 27ï¿½ April 28ï¿½ May 28ï¿½ June 26ï¿½ July 29ï¿½ August 27ï¿½ September 26ï¿½ October 29ï¿½ November 26ï¿½ December servicecanada.gcca you have not requested payment by direct deposit, you will usually receive your payment within the last 3 business days of each month.Sign up for direct deposit now.

Itï¿½s convenient, secure and reliable.All you need is:ï¿½ oad Social Insurance Numberï¿½ the name of your bank or financial institutionï¿½ your branch transit number and your account numberSee the payment dates in calendar format (PDF, 128 KB).OAS payment amountsCPP payment amounts Use My Service Canada Account to access yourCanada Pension Plan and Old Age Security informationMy Service Canada Account allows you to access your Canada Pension Plan ( CPP) and Old Age Security ( OAS) information in one place using a secure website.If you currently receive payments from either CPP or OAS, or if receipt of your first OAS payment is pending, you can use My Service Canada Account to:ï¿½ view and update your personal information, such as:ï¿½ change your mailing address and telephone numberï¿½ sign up for direct deposit or change your sdrvicecanada.gc.ca informationï¿½ view your payment information, including your payment dates and the amount of your monthly paymentsIf you currently receive payments from either CPP or OAS, servicecanada.gc.ca oas can use My Service Canada Account to:ï¿½ view and print your CPP and OAS tax slips (T4A, NR4, seevicecanada.gc.ca Reimbursement of benefit)ï¿½ stop or restart the mailing of your CPP and OAS tax slipsIf you have received a Notification Letter (ISP-3009) and you servicecanada.gc.cw not wish to receive your Old Age Security ( OAS) pension at this time, you can use My Service Canada Account to:ï¿½ Delay receiving your OAS pensionIf you have made contributions to CPP, use My Service Canada Account to:ï¿½ view and print your Canada Pension Plan Statement of Contributions and an estimate of your CPP benefitï¿½ apply for your CPP retirement pensionï¿½ calculate your retirement income using the Canadian Retirement Income CalculatorYou will also find an online help function and a list of frequently asked questions.Return to the My Service Canada Account homepage Note: It is not possible to make changes to your address, payment destination, oad telephone number online if you:ï¿½ have or had an address or payment destination outside Canada;ï¿½ are receiving CPP or OAS benefits in part under an international agreement; orï¿½ are 18 servicecanaad.gc.ca 25 years old and you receive CPP children's benefits.Contact us to change your address, payment destination, or telephone number.Financial affairs:ï¿½ If you have authorized someone to act as power of attorney on your behalf, that person cannot oaa My Service Canada Account.ï¿½ If you have notified us that a registered trustee, guardian, or other legal representative is taking care of your financial affairs, neither you nor your representative can use My Service Servicecxnada.gc.ca Account.ï¿½ If you receive servicecnaada.gc.ca Quebec Pension Plan benefit, contact the Regie des rentes du Servicecahada.gc.ca modified: 2013-04-30 ï¿½ Canada Pension Plan and Quebec Pension Planï¿½ Disability and survivor amountsï¿½ Calculation of CPP maximum monthly amounts for new benefitsï¿½ Old Age Securityï¿½ OAS forecasted expenditures, 2014-15 (in millions)ï¿½ Other CPP/QPP figuresï¿½ CPP/QPP forecasted expenditures, 2014-15 (millions)ï¿½ Contact usCanada Pension Plan (CPP) and Quebec Pension Plan (QPP) - Type of benefitNew benefits maximum amount 2015Number of benefitsOctober 2014Amounts paidOctober 2014CPPQPPCPPQPPCPP (inï¿½millions)QPP (inï¿½millions)Retirement (at age 65)$1,065.00$1,065.004,568,8091,656,586$2,467.7$807.0Postï¿½Retirement Benefit (CPP) (at age 65) Footnote 1$26.63959,362$11.1Retirement Pension Supplement (QPP) Footnote 2$20.42382,844$7.9Disability$1,264.59$1,264.56328,60165,889$283.1$61.8Survivor ï¿½ younger than 65$581.13(seeï¿½Noteï¿½1)227,01970,694$86.8$46.9Survivor ï¿½ 65 and older$639.00$639.00846,671291,714$261.9$90.6Total - Survivor benefits1,073,690362,408$348.7$137.5Children of disabled contributor$234.87$74.5773,7916,891$17.0$0.7Children of deceased contributor$234.87$234.8758,60013,441$13.5$3.2Death (maximum one-time payment)$2,500.00$2,500.0010,7153,912$24.4$9.6Total - CPP/QPP benefits7,073,5682,109,127$3,165.6$1,019.8Combined benefitsSurvivor/retirement(retirement at 65)$1,065.00$1,065.00781,056247,983$602.2$172.3Survivor/disability$1,264.59Not applicable14,3482,323$14.2$2.6Total - Combined benefits795,404250,306$616.4$174.9Disability and survivor amountsFlat amountEarnings-related portionTotalCPP disability benefit$465.84$798.75$1,264.59CPP survivor benefit ï¿½ younger than 65$181.75$399.38$581.13QPP disability benefit$465.81$798.75$1,264.56Note 1: Details of QPP benefitsFlat amountEarnings-related portionTotalQPP survivor benefit servicecanada.gcc.a younger than 45 ( Return to note 1)Not disabled, no child$119.30$399.38$518.68Not disabled, servicecanada.gc.ca oas child$432.51$399.38$831.89Disabled$465.81$399.38$865.19QPP survivors - age 45 to 64$465.81$399.38$865.19Calculation of CPP maximum monthly servicecanaada.gc.ca for new benefitsRetirement:25% of 1/12 of the average year's maximum pensionable earnings (YMPE) for the last five yearsDisability:(retirement x 0.75) + flat amount ($465.84)Survivor:ï¿½ younger than 65: (retirement x 0.375) + flat amount ($181.75)ï¿½ 65 and older: retirement x 0.60Post Retirement: 1/40 of the retirement servicecanadda.gc.ca Old Age Security (OAS) - Type of benefitJanuary to March 2015October 2014Maximum amount Footnote 3Income level cut-off Footnote 4Income servcecanada.gc.ca cut-off for top-ups Footnote 4Number of benefitsAmount paid (inï¿½millions)Old Age Security pension Footnote 5$563.74Not applicable5,487,498$2,920.9Guaranteed Income Supplement (GIS)Single$764.40$17,088$4,5441,035,107$537.0Spouse/common-law partner of someone who:does not receive an OAS pension$764.40$40,944$9,08878,294$40.6receives an OAS pension$506.86$22,560$7,552554,710$187.1is an Allowance recipient$506.86$40,944$7,55254,524$23.8Total - GIS Footnote 61,722,635$788.5Allowance$1,070.60$31,584$7,55254,524$24.9Allowance for the Survivor$1,198.58$23,016$4,54423,594$15.6Total - Allowance and Allowance for the Survivor Footnote 678,118$40.6OAS forecasted expenditures, 2014ï¿½15 (inï¿½millions) OASGISAllowanceTotal$33,555$10,123$544$44,222Other CPP/QPP figuresCPPQPPYear's maximum pensionable earnings (YMPE) (2015)$53,600.00$53,600.00Year's basic exemption (2015)$3,500.00$3,500.00Employee/employer maximum contribution(4.95%)ï¿½$2,479.95(5.250%)ï¿½$2,630.25Self-employed maximum contribution(9.9%) $4,959.90(10.50%) $5,260.50Account balance (March 2014)$223,042 million$40,089 millionContributions (2013-2014)$43,181 million$12,323 millionNumber of contributors (2012)13.2 million(estimated) 4.0 millionIndexation rate wervicecanada.gc.ca 2015)1.8%1.8%CPP/QPP forecasted expenditures, 2014ï¿½15 (inï¿½millions) CPPQPP$39,371$12,700 Contact usEnglish: 1-800-277-9914TTY:ï¿½1-800-255-4786 Footnotes Footnote 1If you are servicecnaada.gc.ca the age of 70 and working outside of Quebec while receiving your CPP or QPP retirement pension, you can make CPP contributions towards the Servicecanadx.gc.ca Benefit (PRB), a fully indexed lifetime benefit that increases your retirement income.

If you are oaz, the Post-Retirement Benefit will be automatically paid to you in the years following your contributions. Contributions are mandatory for working retirement pension recipients under age 65, while those aged 65 or above may elect not to contribute.Return to footnote 1 referrer Footnote 2If you work in Servicexanada.gc.ca while receiving a CPP or QPP retirement pension, you may be required to contribute to the QPP Retirement Pension Supplement.

If you are eligible, the QPP Retirement Pension Supplement will be automatically paid to you the following year. The number and the amount are included in the retirement pension.Return to footnote 2 referrer Footnote 3The maximum amount includes the top-ups for the GIS and the Allowances. More information is available on the Service Canada website.Return to footnote 3 referrer Footnote 4The income level cut-offs do not include the OAS pension and the firDetailsNumberISP3000TitleOld Age Security Pension, Application for thePurposeFor persons aged 65 or older who wish to apply for their Old Age Security Pension.

The Old Age Security pension is a benefit payable to most Canadians age 65 and over who meet the Canadian residence requirements.NOTE: Find out how you can correct inaccurate or incomplete information or how to disclose information servicecanada.cg.ca already reported during previous dealings with the CPP and/or OAS servicecanada.gf.ca. Read our NEW Disclosure Policy.Forms included: Information Sheet for the Old Age Security pension and Application for the Old Age Security pension.GroupOld Age SecurityPaper Size8.5x11Important InformationReturning the Form FormsThis site uses PDF form technology.

To print these high-quality PDF forms, you must have a PDF reader installed. If you do not already have such a reader, there are several available on the Internet: Adobe Reader and Foxit Reader are popular examples.The form(s) are available in the following formats: PDF.PDFTo access the Portable Document Format (PDF) version you must have a PDF reader installed.

If you do not already have such a reader, there are several PDF readers available on the Internet.Old Age Security Pension, Application for thePDF, sc-isp-3000(2016-05-02)e.pdf, 1612 KB, printed on 6 pagesOld Age Security Pension, Information SheetPDF, sc-isp-3000a(2016-05-02)e.pdf, 574 KB, printed on servicecanaad.gc.ca pagesFor more information, please consult the Forms Help page. Your configuration does not meet the minimum requirement in order to access this application. You need an updated web browser, such as Internet Explorer (version 10 or newer), Mozilla Firefox (version 22 or newer), Safari (version 5 or newer) or Google Chrome (version servicecanada.gc.ca oas or newer).

In addition, you must ensure that JavaScript is enabled. Please make sure to update your current configuration before trying to access this calculator. Contact informationï¿½ Most asked-about topicsï¿½ Specialized enquiriesï¿½ General enquiriesNewsï¿½ Newsroomï¿½ News releasesï¿½ Media advisoriesï¿½ Speechesï¿½ StatementsGovernmentï¿½ How servicecanada.gc.ca oas worksï¿½ Departments and agenciesï¿½ Prime Ministerï¿½ Ministersï¿½ Public service and militaryï¿½ Policies, regulations and lawsï¿½ Librariesï¿½ Publicationsï¿½ Statistics and dataï¿½ About Canada.caTransparencyï¿½ Government-wide reportingï¿½ Open governmentï¿½ Proactive disclosureï¿½ Terms and conditionsï¿½ Privacy

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