Old Age Security

(Also known as "OAS")

The Old Age Security Program is a federal government pension that you are eligible to receive if you are age 65. You must have lived in Canada for at least 10 years after reaching age 18. You must also meet certain citizenship requirements.

You do not make contributions to Old Age Security and benefits are not based upon your employment income. However, if you have a higher income (over $66,733.00), part or all of your Old Age Security pension may be withheld as a tax credit.

You may begin to receive a pension from Old Age Security any time after age 65, even if you are still working. The amount of the Old Age Security pension is based upon the number of years you have lived in Canada. If you lived in Canada for a total of 40 years after reaching age18, you are eligible to receive the full Old Age Security pension. If you do not meet this requirement, you might still be eligible for the full pension, subject to certain conditions. If you do not meet the requirements for full Old Age Security, your pension will be equal to 1/40th of the full monthly pension for each complete year you have lived in Canada after your 18th birthday. The maximum Old Age Security monthly pension at the end of 2010 is $521.62.

You have to apply for Old Age Security to get it. You can apply up to 12 months before your 65th birthday. If you apply after you turn 65, you can get up to 11 months of back payments, but no more.

All benefits under Old Age Security are indexed to the Consumer Price Index.

For more information, please visit: Service Canada, or call:

  • 1 (800) 277-9914 (English)
  • 1 (800) 277-9915 (French)
  • 1 (800) 255-4786 (TTY)