Old Age Security payment amounts

From: Employment and Social Development Canada

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Old Age Security pension and benefits

Your Old Age Security (OAS) pension amount is determined by how long you have lived in Canada after the age of 18. It is considered taxable income and is subject to a recovery tax if your individual net annual income is higher than the net world income threshold set for the year ($79,845 for 2021).

In addition to the Old Age Security pension there are 3 other benefits that you may also qualify for:

  • the Guaranteed Income Supplement
  • the Allowance
  • the Allowance for the Survivor

Payment amounts for these benefits are based on your age, marital status and level of income. They are not considered taxable income.

For Guaranteed Income Supplement, Allowance, or Allowance for the Survivor payments, amounts will be re-calculated each July based on your net income in the previous calendar year. Payments can increase, decrease or even stop according to changes in your annual net income.

Increased Old Age Security pension at age 75 July 2022

Seniors aged 75 and over will see an automatic 10% increase of their Old Age Security pension, as of July 2022.

Maximum payments and income thresholds

If you are receiving a partial OAS pension

If you are receiving a partial Old Age Security pension, you should contact us for more information about your OAS pension, Guaranteed Income Supplement or your spouse`s or common-law partner`s Allowance payment amounts.

If you are receiving a full OAS pension

Old Age Security (OAS) pension amounts - October to December 2022
Age Maximum monthly payment amount Your annual income in 2021 must be
65 to 74 $685.50 Less than $129,757
75 and over $754.05 Less than $129,757

Guaranteed Income Supplement (GIS) amounts - October to December 2022

If you are a single, widowed or divorced pensioner
Your situation Maximum monthly payment amount Your annual income must be
If you are a single, widowed or divorced pensioner $1,023.88 Less than $20,784
 If you have a spouse or common-law partner
Your situation Maximum monthly payment amount Your annual income plus the annual income of your spouse/common-law partner must be
If your spouse/common-law partner receives the full OAS pension $616.31 Less than $27,456
If your spouse/common-law partner receives the Allowance $616.31 Less than $38,448
If your spouse/common-law partner does not receive an OAS pension or Allowance $1,023.88 Less than $49,824
Allowance amounts – October to December 2022
Your situation Maximum monthly payment amount Your annual income plus the annual income of your spouse/common-law partner must be
If your spouse/common-law partner receives the GIS and the full OAS pension $1,301.81 Less than $38,448
Allowance for the Survivor amounts - October to December 2022
Your situation Maximum monthly payment amount Your annual income must be
If you are a surviving spouse or common-law partner $1,551.85 Less than $27,984

For combined Old Age Security pension and benefit amounts, consult the Quarterly report of Canada Pension Plan and Old Age Security monthly amounts and related figures.

How much you could receive

Updated amounts for October to December

The following tables show the amounts for July to September 2022. The amounts for October to December 2022 will be posted soon.

Your payments will not be affected by this delay.

Benefit payment tables based on income

The following tables of amounts (updated quarterly) will show you the amount of your monthly benefit.
Choose the benefit table that best describes your personal situation based on your:

  • marital status
  • annual income level (from the previous year)

Printable version in PDF format (4.90 MB, 102 pages)

Guaranteed Income Supplement

Table 1: If you are single, surviving spouse/common-law partner or divorced pensioners receiving a full Old Age Security pension
Select your annual income range:
Table 2: If you are married or common-law partners, both receiving a full Old Age Security pension
Select your combined annual income range:
Table 3: If you are receiving a full Old Age Security pension whose spouse or common-law partner does not receive an OAS pension
Select your combined annual income range:

Guaranteed Income Supplement and Allowance

Table 4: If you are receiving a full Old Age Security pension and your spouse or common-law partner is aged 60 to 64
Select your combined annual income range:

Allowance for the Survivor

Table 5: If you are a surviving spouse or common-law partner aged 60 to 64 who has not re-married or entered into a common-law partnership
Select your annual income range:

How payments are updated using the Consumer Price Index

Old Age Security payment amounts are reviewed each year in January, April, July and October to ensure they reflect cost of living increases, as measured by the Consumer Price Index (CPI).

Notably:

  • monthly payment rates will increase if the cost of living goes up
  • monthly payment rates will not decrease if the cost of living goes down

Note: Based on changes in the CPI, OAS benefit amounts increased by 2.8% for the October to December 2022 quarter.

Quarterly adjustment calculations

The quarterly adjustment for all OAS benefits, including the Guaranteed Income Supplement (GIS), is based on the difference between the average CPI for 2 periods of 3 months each:

  • the most recent 3-month period for which the CPI is available
  • the last 3-month period where a CPI increase led to an increase in OAS benefit amounts

Calculation of the October 2022 amount

The calculation of the October 2022 amount is based on the CPI for the months of May, June and July 2022, on the one hand, and the months of February, March and April 2022, on the other hand.

On the one hand, the most recent period for which the CPI is available is May, June and July 2022. The average CPI for this period is 152.6.

Most recent 3-month period
Most recent 3-month period CPI
May 2022 151.9
June 2022 152.9
July 2022 153.1
The average for the 3-month period 152.6

On the other hand, the last period where a CPI increase led to an increase in OAS benefit amounts is February, March and April 2022. The average CPI for this period is 148.5.

Last 3-month period where an increase in the CPI led to an increase in OAS benefit amounts
Last 3-month period CPI
February 2021 146.8
March 2021 148.9
April 2022 149.8
The average for the 3-month period 148.5

The difference between the 2 periods represents an increase of 2.8%.

This is calculated as 152.6 minus 148.5, divided by 148.5.

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