Old Age Security – How much could you receive
3. How much could you receive
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.
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.
Note: Subsequent to the increase in the Consumer Price Index, OAS benefit amounts will increase by 0.7% for the October to December 2018 quarter.
If you have a low income, you may be eligible to also receive the Guaranteed Income Supplement.
The amount of your 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
You may qualify for a full OAS pension in one of two ways:
- You resided in Canada for at least 40 years after turning 18; or
- You were born on or before July 1, 1952, and
- on July 1, 1977, you resided in Canada, or
- after turning 18, you resided in Canada for a period of time prior to, but not on July 1, 1977, or
- 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 before the approval of your OAS pension. If you were absent from Canada during that 10-year period, you may still qualify for a full pension if:
- you resided in Canada for at least one year immediately before the approval of your OAS pension, and
- 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 (three years of residence for 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.
If you do not qualify for the full 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 when 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: Once your partial OAS pension has been approved, it will not increase with additional years of residence in Canada.
Can someone else contact Service Canada on my behalf?
You can authorize a person to give information to and receive information from Service Canada on your behalf by signing in to My Service Canada Account (MSCA) or by completing the form Consent to Communicate Information to an Authorized Person (ISP-1603OAS). Both you and the person you are authorizing must sign the printed form and mail it to the Service Canada Centre closest to you. Mailing addresses are provided on the form.
This form does not provide authority for the person to apply for benefits on your behalf, change your payment address, or request or change the withholding of tax.
If an individual is incapable of managing his or her own affairs, another person or agency (a trustee) may be appointed to act on the individual’s behalf. For information on third-party administration for homeless seniors, see Supporting Homeless Seniors Program: How to act as a third-party administrator.
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