Pensions & seniors
Seniors benefits (overview)
Federal and provincial programs for older adults, commonly including OAS, GIS, CPP, drug plans, and tax credits.
Enrollment in OAS is often automatic, but GIS and supplements may require application.
The exact definition and rules can differ by program. Check the official rules for the benefit you are applying for.
Related terms
Pensions & seniors
Canada Pension Plan (CPP)
A monthly retirement pension based on your contributions while working. You can start as early as 60 or delay to 70 for a higher amount.
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Guaranteed Income Supplement (GIS)
A monthly non-taxable top-up for low-income seniors receiving OAS. Amount decreases as other income rises.
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Old Age Security (OAS)
A monthly pension for people 65 and older who meet residency requirements. It is not based on employment history.
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CPP post-retirement benefit (PRB)
Additional CPP contributions and benefits if you work while already receiving CPP retirement pension before age 70.
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Indexation
Periodic adjustment of benefit payment amounts to reflect changes in the cost of living or program formulas.
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