OAS Payments: How Much Will You Receive From Old Age Security

OAS Payments: How Much Will You Receive From Old Age Security

Old Age Security (OAS) is a government program in Canada that provides a basic income to eligible seniors who have reached the age of 65. It is one of the three main pillars of Canada’s retirement income system, along with the Canada Pension Plan and personal savings.

Eligibility for OAS is based on several factors, including age, residency, and income. To receive OAS payments, you must be 65 years of age or older and have lived in Canada for at least 10 years after the age of 18.

OAS is considered taxable income. As of June 2023, the OAS maximum payments from age 65 to 74 is $691 per month ($8,292 per year), and $760.10 per month ($9,121.20 per year) for those ages 75 and older.

The amount of OAS you receive is based on how long you’ve lived in Canada after the age of 18. If you have lived in Canada for less than 40 years, you may receive a partial pension. For instance, if you lived in Canada for 35 out of the 40 eligible years you would be entitled to receive 87.5% of the OAS maximum payment (35 divided by 40).

The amount you receive may be reduced if your income exceeds a certain threshold, which is $86,912 for the income year 2023. If your income exceeds this amount, your OAS payment will be reduced by 15 cents for every dollar of income above the threshold. This OAS “recovery tax” period takes place the following year (July 2024 to June 2025).

Since July 2013, most eligible seniors are automatically enrolled to receive OAS starting at age 65. The government determines your eligibility the month after you turn 64. If eligible, you will be notified of your automatic enrolment beginning at age 65. That means, if you are still working or simply plan to defer taking your OAS benefits to age 66 to 70, you should contact Service Canada to declare your voluntary deferral.

Otherwise, to apply for OAS, you must complete an application form and provide proof of age and residency. You can apply up to 11 months before you turn 65, and you should receive your first payment within three months of your application being approved.

To apply online you’ll need a My Service Canada Account (MSCA).

In addition to OAS, there are other government programs that may be available to eligible seniors, including the Guaranteed Income Supplement, the Allowance for Spouses, and the Allowance for Survivors. These programs provide additional income to low-income seniors and their spouses or survivors.

Overall, Old Age Security is an important program that provides a basic income to eligible seniors in Canada. While the amount of OAS you receive may vary based on your income and residency, it can provide a valuable source of income in retirement. If you are approaching the age of 65, it is important to consider your eligibility for OAS and other government programs that may be available to you.

Deferring OAS to age 70

Deferring Old Age Security to age 70 is an option for Canadian seniors who have the financial capacity to do so. By delaying your OAS payments, you can increase the amount you receive each month.

For each month that you delay your OAS beyond age 65, your pension will increase by 0.6%, up to a maximum increase of 36% if you delay OAS until age 70. This means that if you delay your OAS for five years, you will receive 36% more per month than you would if you started collecting at age 65.

However, it is important to carefully consider whether delaying your OAS is the right choice for you. If you have a shorter life expectancy or if you need the money to cover your living expenses, it may be better to start collecting your OAS at age 65.

Additionally, delaying your OAS may affect your eligibility for other government programs that are based on your income. For example, if you delay your OAS and receive a higher pension at age 70, your income may be higher and you may no longer be eligible for certain programs, such as the Guaranteed Income Supplement.

Overall, delaying your OAS to age 70 is an option that can provide a higher monthly pension, but it may not be the right choice for everyone.

OAS Payment Dates 2023

The OAS payment dates for 2023 are:

  • January 26, 2023
  • February 22, 2023
  • March 29, 2023
  • April 26, 2023
  • May 29, 2023
  • June 27, 2023
  • July 27, 2023
  • August 29, 2023
  • September 27, 2023
  • October 27, 2023
  • November 28, 2023
  • December 20, 2023

Payment dates may vary depending on your payment method. If you receive your OAS payments by direct deposit, it should be deposited into your account on the payment date. If you receive your payment by cheque, it may take a few additional days to arrive by mail.

OAS is Indexed to Inflation

While Canadians can expect their CPP payments to increase annually based on the previous year’s Consumer Price Index, OAS recipients have their benefits adjusted quarterly to provide better protection against unexpected sharp increases in prices over the year.

The quarterly inflation adjustment for OAS benefits is based on the difference between the average CPI for two periods of three months each:

  • the most recent three-month period for which CPI is available, and
  • the last three-month period where a CPI increase led to an increase in OAS benefit amounts.

OAS payments starting in the first quarter of 2023 were indexed by 0.3%, bringing the total increase for the year to 7.0%.

OAS Payments Increase at age 75

In July 2022, the Canadian government announced an increase to the OAS pension for seniors aged 75 or older. Starting in July 2022, the OAS pension for seniors aged 75 or older was automatically and permanently increased by 10%.

If you turn 75 after July 1, 2022 you will receive the increase in the month following your 75th birthday.

The 10% increase in the maximum OAS pension rate will not affect the calculation of your Guaranteed Income Supplement (GIS).

The increase to the OAS pension for seniors aged 75 or older is in recognition of the increased costs and challenges that seniors face as they age. The government hopes that this increase will provide additional support to seniors and help them maintain a good standard of living in their later years.

OAS Clawback Threshold

The Old Age Security (OAS) clawback threshold is the income level at which your OAS payments will be reduced or “clawed back”. The OAS clawback is designed to ensure that OAS payments are targeted to those who need them the most, by reducing or eliminating payments for those with higher income levels.

The OAS clawback threshold for the income year 2023 is $86,912. This means that if your net income (which includes income from all sources, such as employment, pensions, investments, etc.) exceeds this amount, your OAS payments will be reduced by 15 cents for every dollar of income above the threshold. 

For example, if your net income was $91,912 in 2023, which is $5,000 above the clawback threshold, your future OAS payments will be clawed back by $750 (15% of $5,000). This “recovery tax” period takes place from July 2024 to June 2025.

If your net income exceeds $142,124 in 2023, your OAS payments will be fully clawed-back during the OAS recovery tax period the following year (July to June).

The timing and mechanics of this is important to note.

Let’s say you applied for OAS benefits upon turning 65 in June 2023. You earned $145,000 in 2023 due to a variety of income sources, including capital gains from the sale of a rental property. You file your 2023 taxes in April 2024 and CRA determines that your taxable income that year has exceeded the OAS clawback threshold.

Meanwhile, you’ve been receiving OAS payments monthly since July 2023. You won’t get a bill to repay the approximate $8,292 you received in OAS benefits between July 2023 and June 2024. Instead, your repayment amount is deducted from your ongoing OAS payments as a recovery tax starting in July 2024.

You will receive a letter informing you of any recovery tax deductions being withheld from your OAS pension payments.

*Changes in OAS Eligibility (not happening)*

Back in 2015, the federal government led by Stephen Harper proposed changes to OAS eligibility – increasing the age of eligibility from 65 to 67. This would have gone into effect as of April 1, 2023 and be fully implemented by January, 2029.

This proposal was quickly repealed when the federal Liberal government was elected in 2015. It’s not happening, folks.

You can continue to apply for OAS benefits and receive them starting at age 65.

Final Thoughts

OAS is a complicated system but one that is critical to retirement planning for many Canadians. It’s important to understand how much OAS you can expect to receive in retirement, and when you plan to take your OAS benefits (between ages 65 to 70) to maximize your income and minimize any clawbacks.

Speaking of clawbacks, it’s also important to understand that OAS benefits are means-tested, meaning once your income rises above a certain threshold your benefits will be clawed-back by 15 cents for every dollar above that threshold. In some cases, OAS benefits may be completely clawed back.

It’s important to work with a financial planner who can help you understand how the timing of retirement, crystallizing capital gains, and withdrawing from an RRSP or RRIF can impact when you should take your OAS benefits and whether your benefits will be clawed back.

It’s also important to note the advantage of pension income splitting with a spouse (for defined benefit pension income and RRIF / LIF income at age 65 and beyond), and how this helps avoid OAS clawbacks in many cases.

OAS payments are indexed to inflation and benefits are adjusted quarterly to keep pace with inflation (versus CPP, which is adjusted annually in January).

Will you take your OAS at age 65, or do you plan on deferring OAS to age 70? Do you have strategies in place based on retirement, capital gains, RRSP/RRIF withdrawals, that will impact when you decide to take OAS?

Print Friendly, PDF & Email


  1. Pierre Duchaine on March 14, 2023 at 1:32 pm

    What is the effect of dividends on the clawback? Is the clawback based on the inflated amount of dividends (before it is reduced by deduction)?

    • Robb Engen on March 14, 2023 at 1:37 pm

      Hi Pierre, the clawback is based on the taxable income reported on Line 234 of the T1 general tax return. So it’s based on the grossed-up amount ($1 of eligible dividends report $1.38 of taxable income), not the amount after the dividend tax credit is applied.

    • John foley on April 6, 2023 at 9:59 am

      After being clawed back last YEAR on my OAS because of a capital gain will my OAS return automatically to its oridinal benifit or will i need to contact them? Thanks for reading

  2. George on March 14, 2023 at 1:43 pm

    OAS and CPP should not be a taxable income for seniors. Doesn’t even cover basic living. Shame on the Govt for doing so.

    • Charlie on March 14, 2023 at 2:19 pm

      I agree with you George. These two pensions should not be taxed….they barely cover living expenses….. Charlie

    • David on March 14, 2023 at 2:54 pm

      Good grief George. You received a tax deduction when you paid CPP when you were working; now pay the tax.

      • Wally on March 14, 2023 at 5:33 pm

        Exactly David, and our children will have to pay for 10% OAS increase…like it’s not hard enough on them already.

    • James on March 15, 2023 at 7:56 pm

      OAS comes from general government revenues (taxes). As the saying goes, you don’t something for nothing! I’m willing to pay taxes on it if I know I will get the OAS pension benefit.

    • A Schellenberg on March 18, 2023 at 9:40 am

      I totally Agree!
      That is an amount that leaves so many Canadians Struggling from month to month!
      Canada needs to do a better job of looking after its Seniors! But, they aren’t worried because they aren’t Seniors yet! They have been payed Big Bucks to create the Plan to barely keep the Seniors alive at a time in their lives when life should become simpler and free of the working years! Really I am wasting my time cause those that could change are Not Listening!
      Help the Seniors…

      • Robb Engen on March 18, 2023 at 10:43 am

        It’s a myth that “many” seniors are struggling financially. The poverty rate among seniors, which was low to begin with, has steadily declined to 3.1% as of 2020: https://www.theglobeandmail.com/investing/personal-finance/retirement/article-what-is-the-poverty-rate-among-canadas-seniors/

        The fact is that CPP, OAS, and GIS (for some) is a strong safety net for seniors who do not have personal savings.

        • George on March 18, 2023 at 11:27 am

          CPP and OAS are not enough for a senior to live on especially now that inflation and high prices for everything has gone through the roof. If the govt did not tax the seniors for CPP and OAS just think of how much easier it would be for them.

          • Marion, Volunteer, CVITP on March 19, 2023 at 12:16 pm

            I volunteer at a free tax clinic for low-income clients and there are NO income taxes being paid by seniors who only have CPP, OAS and GIS as income so this is a total red herring to protest! Those of us fortunate enough to have pensions and/or retirement savings on top of CPP and OAS damn well should be paying taxes on those sources of income. I think the OAS increase for after age 75 also should NOT have been given to all seniors – many of whom do not need it. That money should have been used to enhance GIS for those who truly could use the few extra $.

        • San on April 1, 2023 at 9:22 am

          Agree Robb but it is much challenging to some class of seniors if they are landed immigrants. Canada is country of immigrants. Immigrants usually start their life in Canada at the age of 35-40. Thus they can’t complete full 40 yrs to get full OAS. They have many priorities after their landing like home purchase,investment on special skill learning,vehicle purchase,life insurance etc Not every immigrant gets lucrative job. Being newcomers many have to accept any job to put food on the table. At 65 they realize they have crossed half the river, neither go back nor swim remaining half. They could not get enough time and money to plan comfortable retirement life when they initially came. I have seen seniors continue working on hard jobs at the age of 70-75 which is not so with their peers at back home. It is like asking birds, elephants, sea animals to demonstrate flying skills to get a job !!

      • Ron on March 19, 2023 at 10:58 am

        Wrong on so many levels.
        Seniors need to do a better job of looking after seniors. Where did this notion come from that the government is somehow responsible for babysitting you? You had 50 years to sort yourself and prepare for this eventuality. It appears you did nothing to better yourself and your lifestyle. I would be embarrassed to be looking for handouts and sympathy as a senior.

        Whether you realize it or not…You send the wrong message to younger generations…. blame the government for your lot in life …the government is here to cowtow to you …don’t take personal responsibility.

        Truly reprehensible behaviour.

        • George on March 19, 2023 at 2:59 pm

          Wow, seniors need to look after seniors? After working for 40 or 50 yrs and paying taxes and then more taxes when you buy stuff doesn’t leave much after that. I guess if you had the schooling on how to save and grow your money and the ability to look to the future and realize that you would be paying taxes till death, then everything would be well. Unfortunately not everyone is as smart as you, I guess.

          • Ron on March 31, 2023 at 10:29 am

            I agree with your statements… if you went through your life and didn’t spend recklessly, worked hard as you could, saved for a rainy day, worked to get an education, etc.

            Personally, I came from a relatively average family … not lots of money to burn. Father was a war veteran, lived thru depression …mother had grade 8 education. But my father had common sense and they had unstoppable work ethic. Not frivolous. He fixed everything himself saving huge amounts of money. He invested thru buying houses to rent, fixed them up himself.

            For some reason, I was very interested in securing my future and took every opportunity to learn everything I could about money, investments and saving. In retrospect, it has paid off extremely handsomely and I have ended up with more than I know what to do with. Likewise for my older brother who is 67.

            I fully appreciate that we all have different life experiences, interest and knowledge. My comments are directed exclusively to those who lived the life of Riley but now come to the trough with their hands open wide.

        • Wilbon on March 31, 2023 at 10:03 am

          Is this apply to PM..spending recklessly Tax payers money .
          Behavior Citizen.

          • Ron on March 31, 2023 at 10:48 am

            There are many things in life we cannot control. So for these, I take matters into my own hands. I make sure that I have will have the financial means to get me thru any situations. I have devoted a huge amount of effort to this cause. For me, having to worry about money issues when I get older was enough motivation in itself. In fact, I have never voted once in my life, nor do I intend to.

            Nothing would embarrass me more than having money problems when I got older. Being dependent on children or government handouts. Like getting a huge “F” for failure in life. Not planning for one’s future is completely irresponsible. I do understand that there can be exceptions to this. E.g. unforseen circumstances and for this I have lot of compassion and completely support having safety nets in place.

      • Jim on March 28, 2023 at 9:55 am

        If you live in most other countries you get lower or much lower,even Australia gets very low to nothing, Thailand inAsia gets 20.00 usa a month, england gets the most of the modern world and they even get there rent payed for,I learn from talking with my international friends

        • James R on March 29, 2023 at 5:58 am

          I’m admittedly not an expert on the Australian Age Pension but a quick glance at their website suggests they have a fairly generous system (paying up to $1,464 AUD bi-weekly per couple). Current exchange rate is about 1 AUD to 0.91 CAD. So that works out to $34,638 in Canadian dollars per couple.

          However, Australia has moved the start date to age 67. They also have, from what I understand a much more aggressive “clawback” system. The income test is a 50% reduction for every dollar of (other) bi-weekly income over $336 per couple. Consider their 50% to our 15%!

          It’s easy to see if someone there planned well (or even modestly), a large chunk or perhaps all of their Age Pension could be clawed back. I wouldn’t be thrilled if either of these approaches were introduced to Canada but I think it’s obvious how they have created a system that attempts to give a larger share to those that need it most – perhaps in a manner superior to Canada.

  3. Gail Bebee on March 14, 2023 at 1:53 pm

    That’s Canadian dividend treatment. Foreign dividends are considered straight income in taxable accounts

    • Robb Engen on March 14, 2023 at 2:13 pm

      Thanks Gail, good clarification!

  4. Tony Whitaker on March 14, 2023 at 2:08 pm

    If you don’t take OAS until 70, the upper $ threshold is higher before the recovery tax takes back all the benefit as a clawback.

    How do you calculate this threshold number?

  5. Steve on March 14, 2023 at 2:16 pm

    If you are drawing 90k from a lira and you are doing a full 50% income splitting… does the clawback come into effect if my income
    Is now 45k after the split?

    • Robb Engen on March 18, 2023 at 10:40 am

      Hi Steve, the clawback is calculated after the income split – one of the great advantages couples have over singles in retirement.

  6. Jim R on March 14, 2023 at 2:33 pm

    Hi Robb

    Your definition of net income “net income (which includes income from all sources, such as employment, pensions, investments, etc.)” sounds like gross income to me. Can you explain the difference?

  7. Cathy H on March 14, 2023 at 2:44 pm

    Is the OAS eligibility age changing on April 1,2023? If I am turning 65 in October 2023, when will I start to receive OAS payments?

    • James R on March 14, 2023 at 8:16 pm

      It is not changing. The prior plan to change the age from 65 to 67 has been rescinded.

    • Cece I on March 16, 2023 at 6:03 am

      Your benefit can begin November 2023, do not forget to apply if you haven’t received an automatic enrolment letter as this may hold up your payments.

  8. Sandi on March 14, 2023 at 2:45 pm

    There is an age group amongst us, in our in early 60’s, that to my understanding, will not qualify to even apply for OAS until we reach 67. Please clarify.

  9. David on March 14, 2023 at 2:55 pm

    There is no mention of the new changes to OAS.

    • James R on March 14, 2023 at 8:18 pm

      There are no material changes other than the income boost at age 75

  10. John K. on March 14, 2023 at 3:23 pm

    Hi Robb, most seniors don’t actually need to submit an application for OAS. Instead, effective 2013, most seniors were automatically enrolled to receive their OAS pension benefit.

    • Robb Engen on March 14, 2023 at 4:01 pm

      Hi John, yes – that is true for most eligible seniors. According to the Government of Canada website:

      We may send you a letter to let you know that you will receive the Old Age Security (OAS) pension.

      You will need to apply for the Old Age Security pension if:

      – you get a letter from us asking you to apply
      – information in the letter we send you is incorrect

      If you did not receive any letter about the Old Age Security pension the month after you turned 64, contact us to find out if you need to apply.

      You’ll be asked to choose 1 of the following:

      – start receiving your pension at age 65 (your pension will start the month after your 65th birthday)
      – start receiving your pension at a specific date that you choose

  11. Shu on March 14, 2023 at 3:44 pm

    There should not have the claw acknowledged!!! Since OAS is based on the age, why does the Government connect it with the other income! Groundless

  12. Robb Engen on March 14, 2023 at 3:47 pm

    Whoa, David, Sandi, Cathy – there are no new changes to OAS that will impact your eligibility.

    This was a proposal under the Harper federal government in 2015 to increase the OAS eligibility age to 67…a proposal that would be phased in effective April 1, 2023.

    This is not happening, folks!

    The Trudeau government cancelled that plan immediately when they were elected in 2015. It is not happening.

    You can claim your OAS at age 65.

    • Laura on March 15, 2023 at 4:34 am

      Once you turn 65 and claim your OAS , are you still eligible to receive a percentage of working income , if you continue to work part time bases .Or will the Government deduct eligibility from your OAS


      • Debbie on August 24, 2023 at 3:23 pm

        Yes I also would like to know

        • James R on August 25, 2023 at 10:10 am

          OAS is subject to clawback no matter the source of your income – it could be anything – a DB pension, RRIF or RRSP withdrawals, or as these questions ask, some income from a job – be it full time or part time.

          For 2023 the OAS clawback threshold is $86,912. If the total of all of your net income, before adjustments (net income will also include the dividend gross up – if you receive dividends from a non-registered account) is above $86,912 then you will have to repay 15% of the excess over this amount.

          You will “keep” some of your OAS unless your total net income exceeds $142,428 for the 2023 tax year (at that level of income 100% of your OAS will be clawed back).

          I hope that helps,

  13. Juli on March 14, 2023 at 10:59 pm

    I am a duel citizen, who after living here for 34 years, will be returning to my previous county? Will I still qualify to receive OAS? If not, if I return, can I requalify?

    • Hugh Roshan, Esq. on March 15, 2023 at 10:10 am

      Juli, you should be able to collect OAS since you have lived here for more than the minimum of 10 years required to be eligible for OAS. Of course, the amount you’ll receive will be 34/40 = 85% of the maximum amount, currently $687.56 per month, so you can expect OAS to be in your case $584.43 per month.

  14. Bill Callcott on March 15, 2023 at 4:12 am

    I don’t mind paying tax on the CPP as I got to claim it when working. I do mind paying tax on the OAS. That should be tax free.
    The only extra mony I received this year was from the cost of living and guess what the government took an extra $50 in tax off me.
    They sure deserve the raise they are giving them selves on the first of April don’t they.

  15. JTM on March 15, 2023 at 6:41 am

    A person who is 60-64 years old with a spouse who is receiving full OAS, will receive an allowance. Question, if this person defers his OAS, will the allowance continue?

    • James R on March 15, 2023 at 9:40 am

      You only get GIS, if you are getting OAS. You only get the allowance if your partner is getting GIS – so I think if, based on income, you would qualify to get the allowance you will only receive it if your partner is getting OAS (and GIS). That and – if someone needs GIS / The Allowance to make ends meet I don’t see how deferring OAS to the future would help.

      I suppose if the younger spouse didn’t turn 60 until the older spouse turned, say 67, there might be an opportunity to defer OAS until 67, so that their younger spouse has reached age 60 to qualify for the Allowance – but the higher OAS payment will then factor into the income calculation for GIS and for the Allowance.

      I’m not sure how beneficial this strategy would actually be.

      • JTM on March 15, 2023 at 9:49 am

        Sorry, my question was incomplete… a 60-64 year old person whose spouse is receiving full OAS and getting GIS, will receive an allowance, if their income qualifies. When this person reaches 65, if he defers his own OAS, will the allowance continue (assuming spouse still gets OAS and GIS, and their income levels don’t change)?

        • James R on March 15, 2023 at 10:10 am

          Once you reach age 65 you no longer qualify for The Allowance. From canada.ca:

          The Allowance is a non-taxable payment you can get if:

          -you are age 60 to 64
          -you live in Canada
          -your spouse or common-law partner is eligible to receive the Guaranteed Income supplement (GIS)
          -your combined annual income is less than the maximum annual income threshold for the Allowance.

          I hope that helps.

          • JTM on March 15, 2023 at 10:13 am

            Good to know, thanks!

      • Cece I on March 16, 2023 at 6:10 am

        OAS is not considered income for calculating GIS entitlement so the higher OAS will not impact GIS.

        • James R on March 16, 2023 at 7:21 am

          Thank you for pointing out my error.

  16. Bruce on March 15, 2023 at 8:55 am

    If I defer OAS until 70 and receive 36% more, is the bump up at age 75 based on the new #? …so 10% on top of the 36%?

    • Gary on March 15, 2023 at 5:52 pm

      Good question

    • Linda on March 16, 2023 at 5:46 pm

      I believe everyone age 75+ gets the same amount of money with exception of GIS and makes sense extra if cpp would be paid unless you stop contributing to it at 65. Oas should be higher if working longer but gis would reduced I assume.

      • James R on March 17, 2023 at 8:42 am

        For clarification, the amount of OAS is not connected in any way to your working history – either time, or income earned.

        OAS is based on Canadian residency. Everyone with 40 years of residency in Canada after age 18 will get the same amount. Residency of less than 40 years is pro-rated. A minimum of 10 years is required to qualify at all, so the minimum OAS is 25% of the maximum, based on 10 years of residency after age 18.

        As mentioned, there is a bump to the payment at age 75, and there is the option to defer past the age of 65 to increase the annual benefit.

  17. Cindy on March 15, 2023 at 12:30 pm

    What is the max you receive with cpp oas and the supplement if you are single or if you are married

  18. Leona on March 15, 2023 at 8:06 pm

    Wow lots to understand but what about people with disabilities and how do they get on cpp or oas and their rent is 675. 00 ,and my widow pension, I need to find out if that’s gets taken from me at the age of 65yr

  19. Sunil Pathak on March 16, 2023 at 6:28 am

    I am planning to retire and return to my home country, and I was wondering if I would still be able to receive OAS benefits.

    I have heard that a person must have resided in Canada for at least 20 years to qualify for OAS outside of Canada. Could you please confirm if this is true and provide more details on how the 20-year residency is determined?

    Additionally, I would like to know what happens to the OAS benefits if a person decides to leave Canada after retirement. Will they continue to receive the benefits, or will it be affected?

    • James R on March 16, 2023 at 12:06 pm

      From canada.ca:

      You can qualify to receive Old Age Security pension payments while living outside of Canada if one if these reasons applies to you:

      -you lived in Canada for at least 20 years after turning 18


      -you lived and worked in a country that has a social security agreement with Canada. The time you lived or worked in that country and Canada must be at least 20 years

      For clarity, it’s years lived after age 18, not necessarily continuous. I don’t know if they count years in terms of days, months, or actual continuous years. For instance if you lived in Canada from July 1st to June 30th I don’t know if that counts as a year, but I would guess that it does.

      I’m not sure what happens if you spend six months of a year in Canada and six months of the year outside of Canada, but the way it reads, you could do this for 40 years and that would add up to 20 years – I just don’t know if it actually works that way.

      In all cases the number of years will be used to prorate the OAS payment based on the total amount representing 40 years of eligibility. So, if you were exactly 20 years you would get exactly half of the OAS benefit.

  20. Bhaskar on March 17, 2023 at 7:09 pm

    I just applied and started receiving OAS. I am 68.
    Can I request Service Canada to back-date the claim to when I turned 65 in 2019?

    • James R on March 18, 2023 at 10:34 am

      The quick answer is no.

      From Canada.ca:

      Retroactive payments
      If you are already over 65, we may be able to give you a retroactive payment for up to a maximum of 11 months from the date we receive your application. If you delayed receiving your Old Age Security pension you will not be able to receive retroactive payment during the deferral period.

      As I read it, once you have deferred you cannot collect a retroactive payment. You could call Service Canada to verify this interpretation.

  21. Brian on March 22, 2023 at 11:14 am

    I am 66 however have delayed taking my OAS. When I do apply I think it will be difficult to prove my residence based on where I have lived, they seemed to want detail that would be difficult to prove. (I have lived overseas for 20 years after age 40, but also lived in may different cities in Canada that I do not have documentation for. Can we not use CPP statement to prove Canadian residence.

  22. Barry Stewart on March 24, 2023 at 7:34 pm

    Thanks for the information and the replies here.

    My wife turned 65 in September of 2021 but OAS payments were late in arriving. In 2022, they sent the October-December 2021 payments AND all of the 2022 payments.

    Now doing our taxes, the Turbo tax software says she was “overpaid” for OAS… and I suspect CRA will want some of it back. If they do, will I be able to rejig the 2021 taxes, adding on what she SHOULD have received in that year?

    • James R on March 25, 2023 at 8:09 am

      In my (albeit) limited experience, OAS taxes/clawback are payable based on the year they were received. In the case of a retroactive payment it is not possible to “assign” the OAS to a previous year, and this is a consideration taxpayers need to make when planning for or requesting a retroactive payment.

      Keep in mind, some taxpayers would want the behaviour that you do not want. For instance, if someone chose to work until age 66, and their birthday was in January (or any early part of the year) they could retroactively request OAS from age 65 but receive that money in the year they turned 66, when they no longer have employment income. This would provide for a one-time “double-up” of OAS income with less probability of clawback, whereas if the taxpayer opted to take OAS originally at age 65 it might have set-up a situation where some or all of the OAS might get clawed back in year “one”. As such, there are some planning considerations for those who might choose to stay employed past age 65.

      In your specific situation, where the payments were not received “on time” when they were requested (I’m assuming you did not ask for a retroactive payment, and that the proper requests were submitted to start OAS at age 65) then you might consider filing an appeal.

      Good luck!

  23. Robin on April 17, 2023 at 12:56 am

    Wow! There certainly are some thoughtless folks commenting here. The assumptions being made that everyone has the capacity, or support necessary to ‘save for their old age’, is plain ignorance and highly judgmental thinking. People have unique situations that leave them struggling to survive with their basic needs not being met. Loads of folks work full time and still cannot afford stable housing. Those who are barely scraping by without disposable $$, don’t have the finances for investments, rrsp’s, or even tfsa’s. Implying that it’s just that easy, is simply unrealistic.

    Not everyone has the same strong start in life. Many don’t have the pedigree, or family connections to assist them in gaining either the education to advance, or access to well paying jobs. (often awarded via nepotism, not actual skill levels) Just because you’ve found yourself in a place of privilege, doesn’t mean that your struggling neighbour shouldn’t accept some much needed help. Your words of disdain and derision are super inconsiderate and disgusting.

    Perhaps it’s time for some inner work on the concept of empathy and compassion. It would serve you well to gain some self awareness and consider how you come across, to your community.

    • Lori on August 29, 2023 at 1:28 am


  24. Goran on July 6, 2023 at 12:31 pm

    – Canada has Social Security Agreement with Serbia
    – Before migrating to Canada from Serbia I worked 5 years in Serbia where I was paying into
    Serbia Pension Plan comparable/equivalent to Canada Pension Plan.
    – I’m planning to apply for OAS after 32 years living in Canada
    – Will the time that I was working and paying into Serbia Pension Plan before migrating to
    Canada be counted as part of the time I resided/lived in Canada?
    – In other words will I receive 32/40 = 80% or 37/40 = 92.5% of the maximum OAS amount?

  25. James Vadakepeedika on July 25, 2023 at 3:37 pm

    I have started getting OAS since March 2023. I am 68 years old. I have maintained continuous residency in Canada since July 2000 and completed 22.8 years at the time of first OAS payment to me, but Service Canada’s calculation of OAS is based on 19/40. Per Service Canada, their calculation of OAS is based on number of years of residency till the age of 65. I am not sure, if this is correct. In case Service Canada is not correct, how to address the issue ?

    • Ken Appleton on August 8, 2023 at 11:23 pm

      How do you prove you lived in Canada? What kind of standard or proof do you have to provide?

Leave a Comment

Join More Than 10,000 Subscribers!

Sign up now and get our free e-Book- Financial Management by the Decade - plus new financial tips and money stories delivered to your inbox every week.