Old Age Security
OAS
Old Age Security (OAS) is a federal monthly taxable pension for Canadians aged 65 and older. It is funded by general tax revenues and is based on residency rather than work history. For the period of July to September 2026, the maximum monthly OAS pension is $751.97 for those aged 65 to 74, and $827.17 for those aged 75 and older. The benefit is subject to an income-tested recovery tax (clawback) for high-income earners.
Useful Tips for Applying
• Delaying OAS to age 70 increases your monthly payment by 36% — worthwhile if you are in good health • OAS is indexed to inflation quarterly — it increases automatically • Turning 75 gives you an automatic 10% increase in your OAS payment • OAS plus GIS gives low-income seniors a monthly base of ~$1,800–$2,200
Who May Qualify
• You are 65 years of age or older. • If living in Canada: You are a Canadian citizen or legal resident at the time of approval and have resided in Canada for at least 10 years since age 18. • If living outside Canada: You were a Canadian citizen or legal resident on the day before you left Canada and have resided in Canada for at least 20 years since age 18.
Required Documents
• Proof of employment from the employer (if applicable). • Proof of physically returning to Canada (if applicable). • Additional documentation may be requested by Service Canada to verify identity, age, and residency status.
How to Apply
1. Service Canada will attempt to automatically enroll you; you will be notified by mail if this occurs. 2. If you do not receive an enrollment letter by the month after your 64th birthday, apply online via your My Service Canada Account or submit a paper application. 3. You may choose to delay your pension start date up to age 70 to receive a higher monthly amount (0.6% increase per month delayed).
Common Mistakes to Avoid
• Not applying early — the process takes time and payments are not retroactive beyond 11 months • Not knowing about the 75+ enhancement — call Service Canada after your 75th birthday to confirm • Assuming OAS is only for the very poor — most Canadians qualify regardless of income • Not understanding the OAS clawback — only applies if your income exceeds ~$90,997/year
Preparing an application?
The Application Helper walks you through each question on this benefit's form in plain language.
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View detailsApplication denied?
If your application is turned down, the Appeals Guide explains filing deadlines, escalation levels, and where to find free legal and advocate help.
Resources in this area
DTC Help by BJ Clancy
DTC Help by BJ Clancy is an independent Facebook resource focused on Canada's Disability Tax Credit (DTC). In addition to sharing information and answering questions about the DTC, BJ Clancy can help people understand and work through the DTC application forms and process. The page also provides a space for people to ask questions and discuss their experiences with the Disability Tax Credit. Independent resource. Not affiliated with the Canada Revenue Agency or the Government of Canada.
View details Financial AssistanceRDSP Connect
RDSP Connect is a private service that helps people understand Registered Disability Savings Plan (RDSP) eligibility and navigate the RDSP process. Services include a free consultation to review eligibility, help completing the documentation to open an RDSP, and ongoing support with planning contributions and investments with the goal of maximizing Canada Disability Savings Grants and Bonds. Each year, RDSP Connect reviews the client's Grant and Bond Entitlement Statement with them, and can point people to resources for Disability Tax Credit (DTC) questions. RDSP Connect is not a government service and is not affiliated with the Government of Canada or with Accessible Compass. This listing is for information only — it is not an endorsement, and Accessible Compass does not guarantee any outcome, including DTC or RDSP approval or any financial result.
View details Financial AssistanceSlinn Tax
Slinn Tax provides virtual tax services with a focus on Canadians who have been approved for the Disability Tax Credit (DTC). The service offers reviews of DTC-approved tax years to help identify potentially missed tax credits, deductions, benefits, adjustments, and eligible family transfers. Slinn Tax also provides personal income tax preparation and disability-related tax resources. Slinn Tax is an independent, third-party tax service — it is not a government program and is not an Accessible Compass service. Accessible Compass does not provide, endorse, or guarantee the professional services offered by this provider.
View detailsAccessible Compass is an independent guide — we are not a government agency and do not process applications or approve benefits. We provide general information only, not legal, medical, or financial advice. Program rules may change. Always confirm with official government sources.