Your complete guide to Canada's Old Age Security Program

Your complete guide to Canada's

Old Age Security Program

Publicaon date: Fall 2018

This publicaon is available for download at

canada.ca/publicentre-ESDC .

It is also available upon request in mulple formats

(large print, MP3, Braille, audio CD, e-text CD,

DAISY or accessible PDF), by contacng 1 800

O-Canada (1-800-622-6232).

By teletypewriter (TTY), call 1-800-926-9105.

For informaon regarding reproducon rights:

droitdauteur[email protected]a.

PDF

Cat. No. : SG5-97/2018E-1-PDF

ISBN: 978-0-660-28854-3

ESDC

Cat. No. : SC-334-11-18E

This guide outlines Canada’s Old Age Security (OAS) program

and its benets, which include the Old Age Security pension,

the Guaranteed Income Supplement,

the Allowance and the Allowance for the Survivor.

The toolkit also outlines the eligibility for these benets

and how to apply. Use the eligibility maps to nd out which

benets you may qualify for.

Use the Table of Contents page to help you browse and see

how the toolkit is organized.

This version of the toolkit is best used in a printed paper

format. There is an interacve version that is also available

that is formaed to be used on the computer. It contains links

to informaon found online, as well as other features that

allow for easy navigaon.

1.1 Eligibility maps for the

OAS pension and the

Guaranteed Income

Supplement

(page 5)

1.2 The OAS pension

(page 10)

1.3 The Guaranteed

Income Supplement

(page 15)

1.4 The Allowance

(page 17)

1.5 The Allowance

for the Survivor

(page 18)

1.6 Benet amounts

(page 19)

1.0 The OAS Program

(page 4)

2.1 Automac enrolment

for the OAS pension

and the Guaranteed

Income Supplement

(page 22)

2.2 Applying for the OAS

pension and the

Guaranteed Income

Supplement (page 23)

2.3 Applying for the

Guaranteed Income

Supplement

(page 30)

2.4 Aer you apply

(page 33)

2.0 Applying

(page 21)

3.1 Other federal

and provincial benets

(page 35)

3.2 Foreign benets

(page 35)

3.0 Other Benets

(page 35)

4.1 Contacng Service

Canada

(page 36)

4.2 Glossary of terms

(page 37)

4.3 Relevant links

(page 40)

4.0 More Informaon

(page 36)

1.1 Eligibility maps for the OAS

pension and the Guaranteed Income

Supplement

1.2 The OAS pension

1.3 The Guaranteed Income

Supplement

1.4 The Allowance

1.5 The Allowance for the Survivor

1.6 Benet amounts

The OAS program is funded by the general revenues of the Government of

Canada. This means that no one pays into it directly. You can receive its benets

even if you have not worked in Canada.

The OAS program includes:

1) The OAS pension:

A monthly benet available to seniors aged 65 and older who meet the

Canadian legal status and residence requirements.

2) The Guaranteed Income Supplement:

A monthly non-taxable benet for OAS pension recipients who have a low

income and are living in Canada.

3) The Allowance:

A monthly benet available to low-income individuals aged 60 to 64 whose

spouse or common-law partner receives the Guaranteed Income Supplement.

4) The Allowance for the Survivor:

A monthly benet available to individuals aged 60 to 64 who have a low

income, who are living in Canada, and whose spouse or common-law partner

has died.

How does the OAS program dier from CPP or QPP?

The Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) are not funded by

the Government, but through the contribuons of employees and employers. To

receive CPP or QPP, you must have worked and contributed to either plan.

1.0 The OAS Program

1.1 Eligibility maps for the OAS Pension and the

Guaranteed Income Supplement

You can use the eligibility maps on the following two pages to

determine potenal eligibility for the OAS pension and the

Guaranteed Income Supplement. There is one map for each

benet.

Follow the quesons step-by-step, answering yes or no to each.

Aer each map, you will nd a page with more informaon

about the bolded and *starred quesons, as well as any

documentaon that you may need to include with your

applicaon.

Aer using the maps, if you are sll unsure of your eligibility, we

recommend you apply anyway, or contact Service Canada for

addional informaon on your parcular situaon.

Aer you complete the eligibility maps, you can go to

Secon 2.2 (page 23) and Secon 2.3 (page 30)to nd

instrucons on how to download and complete the combined

applicaon for the OAS pension and the Guaranteed Income

Supplement.

Go to the next page to begin...

Old Age Security eligibility map

START

YES

I live in

Canada

YES

I was born

in Canada

I was born

in Canada

YES

I have only lived

in Canada since

age 18

*Since age 18,

I have lived in

Canada for 10

or more years

*I have lived or

worked in a country

that Canada has

a social security

agreement with

*Since age 18,

I have lived in

Canada for 20

or more years

*I am a Canadian cizen

or legal resident

*I am a Canadian cizen

or legal resident

Canada has signed social security agreements with a number of other countries

and the requirements vary from agreement to agreement. Please refer to the

Relevant Links secon on page 40 for the list of agreements.

I am 64 years of

age or older

You are likely eligible! Go to page 8

to nd out if you are eligible for the

Guaranteed Income Supplement.

Depending on Canada's agreement

with this country, you may be eligible to

receive the OAS pension.

Go to page 8

to see if you are eligible for the GIS.

You do not appear to be eligible for

the OAS pension as you have indicated

that you have not lived in Canada for

the minimum period of me or lived

in a country that Canada has a social

security agreement with.

However,

you may be in the future if you reside

in Canada for the minimum required

number of years (go to page 10).

You do not appear to be eligible for the

OAS pension as you have indicated that

you do not have legal status in Canada.

However, you may be in the future if

you obtain legal status (go to page 10).

If you are living outside of Canada, you

may be eligible for the OAS pension

if you had legal status prior to your

departure.

You do not appear to be eligible for

the OAS pension as you have indicated

that you are under 64 years of age.

However, you may be eligible for the

Allowance (go to page 17) or the

Allowance for the Survivor

(go to page 18).

*I have lived or worked in a country that

has an agreement with Canada

—

Agreements Canada has signed with over

50 countries that can help people meet the

residence requirements for OAS. Please

refer to the Relevant Links secon on

page 40 for more informaon.

*I have lived in Canada for (20+ or 10+)

years since age 18

—

This refers to residence in Canada, which

includes periods when you normally live in

the country. Some absences from Canada

may be counted, like periods of work

outside Canada for a Canadian employer

(such as the Canadian Armed Forces or an

internaonal charitable organizaon).

Statement descripons:

Required Documentaon:

Proof of legal status: If born outside

Canada, a cercate of Canadian

cizenship, naturalizaon cercate,

Canadian passport or Canadian

immigraon documents (such as Record

of Landing, permanent resident card or

temporary resident permit) are required.

Proof of birth: If born inside or outside

of Canada, you do not need to give proof

of your date of birth; however, Service

Canada may request it later.

On this page you will nd more informaon about the bolded and starred*

quesons on the OAS eligibility map, as well as any documentaon that you may

need to include with your applicaon.

OAS pension eligibility map

*I am a Canadian cizen or legal

resident

—

A Canadian cizen or a person legally

admied into Canada as a permanent

or temporary resident. If applying from

outside Canada, you must have been a

Canadian cizen or a legal resident when

you le Canada.

Conrmaon of residence periods in

Canada: You do not need to give proof of

your residence in Canada when you apply

but Service Canada may request it later.

Are you eligible for, or receiving the OAS pension?

(Go back to the OAS eligibility map on page 6 if you

aren’t sure of your eligibility.)

NOYES

YES

*Are you currently

married or in a common-

law relaonship?

Is your spouse or

common-law partner

receiving the OAS

pension?

You need to be eligible for the OAS

pension in order to receive the

Guaranteed Income Supplement.

Conrm your eligibility using the OAS

eligibility map found on page 6.

Guaranteed Income Supplement eligibility map

START

To see more detail on the maximum net annual income amounts for Guaranteed Income Supplement eligibility, please refer to

page 40 Relevant Links. Keep in mind that these thresholds may change annually to account for increases in the cost of living.

To nd out how to calculate your net annual income, please refer to the Relevant Links secon on page 40. Do not include the amount you

receive from your OAS basic pension in your calculaon.

If you are eligible for a *FULL OAS pension, is your net

annual income around, or less than $18,216

If you are eligible for a *PARTIAL OAS pension, is your

net annual income around, or less than $32,280

If you are eligible for a *FULL OAS pension, is

your combined net annual income around, or less

than $24,048

If you are eligible for a *PARTIAL OAS pension, is your

combined net annual income around, or less than

$52,176

If you are eligible for a *FULL OAS pension, is your

combined net annual income around, or less than

$43,680

If you are eligible for a *PARTIAL OAS pension, is your

combined net annual income around, or less than

$71,808

You are likely eligible for the

Guaranteed Income Supplement

as long as you live in Canada. Go to

page 23 for informaon on applying

for both the OAS pension and the

Guaranteed Income Supplement,

or to page 30 for informaon on

applying for the Guaranteed Income

Supplement only.

You do not appear to be eligible for

the Guaranteed Income Supplement at

this me because your combined net

annual income is above the maximum

threshold

2 .

However, it is important to

le your income tax return each year

with the Canada Revenue Agency.

Service Canada will use this informaon

to connue to review your eligibility.

Statement descripons:

Required Documentaon:

Proof of marital status: If you are

married you must provide an original or

cered copy of your marriage cercate.

If you are in a common-law relaonship,

please provide a statutory declaraon

of your union and other proof of the

relaonship. Please refer to page 29

for examples.

On this page you will nd more informaon about the bolded and starred*

quesons on the GIS eligibility map, as well as any documentaon that you

may need to include with your applicaon.

Guaranteed Income

Supplement Eligibility Map

*Are you currently married or in a

common-law relaonship?

—

Common-law refers to individuals

who have lived together in a conjugal

relaonship for at least one year.

*FULL OAS pension and PARTIAL

OAS pension

—

You are likely eligible for a FULL pension if

you have lived in Canada all your life.

You may be eligible for a PARTIAL pension

if you have lived outside of Canada for any

period aer the age of 18.

1.2 The OAS pension

To be eligible for an OAS pension, you must:

; be 65 years of age or older;

; be a Canadian cizen or legal / permanent

resident of Canada (or landed immigrant) when

your pension applicaon is approved; and

; have lived in Canada for at least 10 years since

the age of 18.

If you are applying from outside the country, you

must have:

; been a Canadian cizen or a legal resident

when you le Canada; and

; lived in Canada for at least 20 years since

the age of 18.

To see if you qualify for the OAS pension, go through

the OAS pension eligibility map on page 6 then nd

where to download the applicaon on page 23.

Note: If you have lived or worked in a country with

which Canada has a social security agreement, you

may sll qualify to receive the OAS pension even if

you have not lived in Canada for the required number

of years. See page 13 for more informaon.

Note: If you are 64 years old, live in Canada and have

paid into the Canada Pension Plan or Quebec Pension

Plan program for 40 years or more, you may receive a

leer from Service Canada nofying you that you will

be automacally enrolled for the OAS pension. See

page 22 for more informaon.

The OAS Program

Applying

Other benets

More informaon

Because Omar was born in

Canada and has lived here

all his life, next year when he

turns 65 he can receive a full

OAS pension.

Sonia works for an

organizaon that assists

seniors. She knows that Omar

and Doris are both eligible for

the OAS pension - Omar for

a full pension and Doris for a

paral pension.

Doris has lived in Canada 8

years. Her me in Portugal

can be counted to meet the

10-year residence requirement

for the OAS pension. At 65, she

will receive a paral pension.

See page 13 to learn more.

Omar has lived in Canada

all of his life. Doris was born

in Portugal and has lived in

Canada for a total of eight

years.

The OAS pension: Full pension

Generally, you can qualify for a full OAS pension

(the maximum benet amount) if you have lived in

Canada for at least 40 years aer the age of 18.

There are certain circumstances where you may

qualify for a full OAS pension without having 40 years

of residence. For example, if you were over 25 years

of age and had a valid Canadian Immigraon Visa

prior to July 1, 1977, please refer to the Relevant

Links secon on

page 40.

The OAS pension: Paral pension

If you do not qualify for a full OAS pension, you may

qualify for a paral pension.

If you live in Canada when you apply

, you can receive

a paral OAS pension if you have lived in Canada for

at least 10 years aer the age of 18.

If you live outside of Canada when you apply, you

can receive a paral OAS pension if you have lived in

Canada for at least 20 years aer the age of 18.

A paral monthly pension is earned at the rate of

1/40

ths

of the full monthly pension for each year of

residence in Canada aer the age of 18. For example,

if you have lived in Canada for 27 years aer the age

of 18, you will receive 27/40

ths

of the full monthly

pension amount. Once a paral pension has been

approved, it cannot be increased due to addional

years of residency in Canada.

In some cases, you may qualify for the OAS pension

even if you have not lived in Canada for the minimum

required number of years. Please refer to page 12

and page 13 for more informaon.

The OAS Program

Applying

Other benets

More informaon

Time outside of Canada that can count as

Canadian residence

Your Canadian residence is simply periods when you

ordinarily make Canada your home.

When determining your periods of residence in

Canada, periods of absence from Canada may also

be considered under specic circumstances. This

may also be the case for your spouse, common-law

partner or dependents.

If you worked outside Canada for a Canadian

employer such as the Armed Forces or for an

internaonal charitable organizaon, it is possible to

have your me working abroad count as residence in

Canada*.

For me outside of Canada to count as residence in

Canada, you must have:

; returned to Canada within six months of ending

employment; or

; turned 65 years old while sll employed.

*You will need to provide proof of employment from

the employer and proof of your return to Canada.

The OAS Program

Applying

Other benets

More informaon

If you have lived or worked in a country that

holds a Social Security Agreement with Canada

If you currently live in Canada, you may qualify for

the OAS pension even if you have not lived in Canada

for the required 10 years aer the age of 18.

If you currently live outside Canada, you may qualify

for the OAS pension even if you have not lived in

Canada for the required 20 years aer the age of 18.

Canada has Social Security Agreements with more

than 50 countries. These agreements allow your

me living and contribung in another country to be

counted as residence in Canada. These agreements

can help you qualify for both the OAS pension and for

foreign benets.

For example, if at age 65 you have only lived in

Canada for 8 years, but you have lived or contributed

at least 2 years in a country with which Canada has

an agreement, you may meet the 10 year residence

requirement for the OAS pension by using 2 years

of your me spent in the other country. If you are

eligible, your OAS pension amount is calculated at

the rate of 1/40

of a full pension for each year of

residence in Canada aer the age of 18. As a result,

you would receive 8/40

ths

of a full OAS pension. You

would not receive credit for the 2 years you lived

outside of Canada.

Note: Some agreements may limit the periods

which can count toward the OAS pension. For

more informaon about Canada’s Social Security

Agreements with other countries, go to page 40

Relevant Links.

Sonia thinks Doris may be eligible for a foreign benet based

on Canada's agreement with Portugal. The agreement allows

Doris to use her me spent in Portugal to qualify for the OAS

pension, and her me spent in Canada to qualify for a foreign

benet from Portugal. Doris can learn more about Canada’s

agreement with Portugal from the Service Canada website or

by calling Service Canada.

Doris was born in Portugal and has lived in Canada for 8

years. Due to Canada’s agreement with Portugal, she can use

two years of her me spent in Portugal to meet the 10 year

minimum residence requirement for the OAS pension. As a

result, Doris receives 8/40

ths

of a full OAS pension.

The OAS Program

Applying

Other benets

More informaon

Omar defers his OAS pension

in exchange for an increased

benet amount by 7.2 percent

per year unl he reaches the

age of 70. His pension increases

by 36 percent total (from

$600.85 to $817.15 monthly).

Omar is eligible for a full OAS

pension. He may choose

to start receiving his OAS

pension the month aer his

birthday. However, he

doesn’t think he needs the

money yet.

Hugo decides to receive his

OAS pension as soon as he is

eligible because he could use

the addional money each

month.

Hugo is 65 years old and has

lived in Canada for 27 years.

This means he is eligible for

27/40

ths

of a full pension. He

may choose to start receiving

his OAS pension the month

aer his 65

birthday.

When you can start receiving your OAS pension

Your OAS pension can start as early as the month

following your 65

birthday or the month aer

you meet the minimum residence and legal status

requirements.

You can choose to delay receiving your OAS pension

payment up to the age of 70. By doing this, you would

increase the amount of your benet. For each month

you wait to start your OAS pension, your pension

amount will go up by 0.6 percent (7.2 percent per

year or 36 percent over ve years). For example, a full

pension amount of $600.85/month at age 65 would

be $817.15/month at age 70.

What to consider if you choose to delay your

OAS pension

To decide when you want to start receiving your OAS

pension, think about your personal situaon. Think

about your current and future sources of income,

your work (now and in the future) and your plans for

rerement.

Note: If your net annual income exceeds a certain

amount ($74,788 for 2017), you may have to repay

part or your enre OAS pension. Your OAS pension

would be reduced as a monthly recovery tax.

Note: If you choose to delay the start of your OAS

pension, you will not be eligible for the Guaranteed

Income Supplement and your spouse or common-law

partner will not be eligible for the Allowance during

the period you are not collecng the OAS pension.

The OAS Program

Applying

Other benets

More informaon

Understand

the eligibility

requirements

for the GIS

Understand

the factors

that inuence

GIS payment

1.3 The Guaranteed Income Supplement

Maggie is applying for the OAS pension. She lives in Canada

and has lile to no other income. Sonia thinks she may be

eligible for the Guaranteed Income Supplement (GIS).

Sonia reminds Maggie that once she starts receiving the GIS,

if she leaves the country for more than six months, her GIS

payment will stop. In addion, in order to ensure that her

payment of the GIS is renewed every year, Maggie must also

le her taxes on me.

The Guaranteed Income Supplement (GIS) is an

addional monthly payment for seniors living on a

low income. It is not taxable.

To be eligible for the GIS, you must:

; qualify to receive an OAS pension (full pension

amount or paral pension amount); and

; live in Canada.

You may start receiving the GIS as early as you start

receiving your OAS pension. The GIS amount you

receive depends on your annual net income or, in the

case of a couple, the combined income of you and

your spouse / common-law partner. Your GIS amount

may change each year depending on your income.

While the OAS pension is taxable income, the GIS is

not.

Note: If you leave Canada for more than six months,

your payment will stop regardless of how long you

previously lived in Canada. It will start again the

month you return to Canada.

If you apply for the GIS, Service Canada will review

your account each year to assess your ongoing

eligibility. It is very important that you le an income

tax return by April 30

each year.

To see if you qualify, go through the Guaranteed

Income eligibility map on page 8 then nd out where

to download the applicaon on page 40 Relevant

Links.

The OAS Program

Applying

Other benets

More informaon

The Guaranteed Income Supplement and

Social Security Agreements

If you qualify for the OAS pension through the terms

of a Social Security Agreement, you may also receive

the GIS.

You may receive a paral GIS (1/10

of the full GIS

amount) for each year you have lived in Canada aer

the age of 18. Your GIS amount will be increased for

each addional year you live in Canada (up to a full

GIS amount at 10 years).

Note: If you entered Canada as a sponsored

immigrant, you cannot receive the GIS while you are

sll being sponsored. Excepons may be made under

specic circumstances (such as if your sponsor dies,

is imprisoned for a period of more than six months, is

convicted of a criminal oence, or declares personal

bankruptcy).

The OAS Program

Applying

Other benets

More informaon

Understand

the eligibility

requirements

for the ALW

Understand

the factors

that inuence

ALW payment

1.4 The Allowance

Stuart is 60 years old and married to Maggie. Maggie is

65 years old and receives both the OAS pension and the

Guaranteed Income Supplement. Stuart has legal status in

Canada and has lived in Canada for more than 10 years since

the age of 18.

Sonia determines that Stuart may be eligible for the

Allowance. She reminds Stuart that once he is in receipt of

the Allowance, if he or Maggie leave Canada for more than six

months, his Allowance payment and her Guaranteed Income

Supplement payment will be stopped. Sonia also explains

that the Allowance will no longer be paid once Stuart turns 65

years old and becomes eligible for the OAS pension.

The Allowance is a monthly benet for individuals

aged 60 - 64 whose spouse or common-law partner

receives the OAS pension and the Guaranteed

Income Supplement. Payment of the Allowance

stops when the person receiving it reaches their 65

birthday (the age of eligibility for the OAS pension

and the Guaranteed Income Supplement).

To be eligible for the Allowance, you must:

; be between the ages of 60 and 64 (including the

month of your 65

birthday);

; be a Canadian cizen or legal resident of Canada

when your applicaon is approved; and

; have lived in Canada for at least 10 years* since

the age of 18.

*If you have not lived in Canada long enough, a Social

Security Agreement may help you to qualify (see

page 13).

Note: If you or your spouse or common-law partner

leave Canada for more than six months, your

Allowance payment will stop regardless of how long

you previously lived in Canada. It will start again the

month you return to reside in Canada.

To apply for the Allowance, go to page 40

Relevant Links.

The OAS Program

Applying

Other benets

More informaon

Mary is age 62, living on a low income and her spouse has

passed away.

Mary has not remarried or entered into a common-law

relaonship since the death of her spouse. As she is a

Canadian cizen and has lived in Canada for more than 10

years since the age of 18, Sonia determines that she may be

eligible for the Allowance for the Survivor.

1.5 The Allowance for the Survivor

The Allowance for the Survivor is a benet for

individuals aged 60 - 64 who are widowed and living

on a low income. Payment of the Allowance for the

Survivor stops when the person receiving it reaches

their 65

birthday (the age of eligibility for the OAS

pension and the Guaranteed Income Supplement).

To be eligible for the Allowance for the Survivor,

you must:

; be between the ages of 60 and 64 (including the

month of your 65

birthday);

; be a Canadian cizen or a legal resident of

Canada;

; have lived in Canada for at least 10 years* since

the age of 18; and

; not have remarried or started a common-law

relaonship since the death of your spouse or

common-law partner.

*If you have not lived in Canada long enough, a

Social Security Agreement may help you to qualify

(see page 13).

To apply for the Allowance for the Survivor, go to

page 40 Relevant Links.

The OAS Program

Applying

Other benets

More informaon

The OAS Program

Applying

Other benets

More informaon

Gain a general

understanding of

potenal benet

amounts

1.6 Benet amounts

This secon will help you esmate the amount you

will receive if you are eligible for the OAS pension, the

Guaranteed Income Supplement and/or the Allowance

benets.

The benet amount tables on the next page represent

the maximum amounts you could receive. However,

several items could impact how much you receive of

each benet.

For the OAS pension, your benet amount may be

impacted by:

; your years of residency in Canada, which will

determine if you receive a full or paral* pension.

Please refer to page 11 to determine how

residency is calculated.

*If you are receiving a paral pension, please contact

Service Canada for informaon on benet amounts

(see page 36 for contact informaon).

Note: If your net annual income exceeds a certain

amount ($74,788 for 2017), you may have to repay

part of, or your enre OAS pension. Your OAS pension

would be reduced as a monthly recovery tax.

For the Garanteed Income Supplement, your amount

may be impacted by:

; your income, or combined income (if you are

married / living in a common-law relaonship);

; your marital status.

For the Allowance, your benet amount may be

impacted by:

; the combined income of you and your spouse or

common-law partner.

For the Allowance for the Survivor, your benet

amount may be impacted by:

; your income.

Please proceed to the next page for the benet

amounts tables.

Note: The amounts may change every three months (in

January, April, July, and October) to protect you from

increases in the cost of living.

Note: The Guaranteed Income Supplement, Allowance,

and Allowance for the Survivor are reassessed

annually. Benet amounts are based on your income

or, if applicable, the combined income of you and your

spouse or common-law partner for the last tax year. If

you or your spouse have rered or suered a loss of

pension income, you may need to provide an esmate

of your reduced income to receive a more favourable

benet amount.

For more detailed informaon about benet amounts,

please refer to page 40 Relevant Links.

Gain a general

understanding of

potenal benet

amounts

1.6 Benet Amounts (Cont'd)

The OAS Program

Applying

Other benets

More informaon

Your situaon Maximum OAS

pension amount

Maximum Guaranteed

Income Supplement

amount

Potenal maximum

monthly payment

amount

Single

$600.85 $897.42 $1,498.27

Married / Common-law

...and your partner receives

the full OAS pension

$600.85 $540.23 $1,141.08

...and your partner does not

receive an OAS pension

$600.85 $897.42 $1,498.27

...and your partner receives

the Allowance

$600.85 $540.23 $1,141.08

Benet Amounts for the OAS Pension and Guaranteed Income Supplement (those aged 65

and older)

Benet Amounts for the Allowance (those

aged 60 to 64)

Benet Amounts for the Allowance for the

Survivor (those aged 60 to 64)

Your situaon Maximum Allowance

benet amount

Married / Living in a common-law

relaonship

...and your partner

receives the full

OAS pension and

Guaranteed Income

Supplement

$1,141.08

Your situaon Maximum Allowance

for the Survivor

benet amount

...you are a surviving

spouse / common-

law partner

$1,360.20

2.0 Applying

This secon will help you apply for the OAS pension and the Guaranteed

Income Supplement.

You can apply by:

; vising your nearest Service Canada centre;

; compleng the forms and mailing them in to Service Canada.

You may need to aach required documentaon to your applicaon.

Examples include:

; birth cercate;

; valid passport;

; immigraon or foreign ocial documents;

; immigraon visas / records;

; leers from past employers;

; band council leers;

; other ocial documents from your country of origin.

Note: If you ancipate a long wait me to secure your required

documentaon (for example, if you need to contact your country of origin),

it is recommended that you submit your applicaon now, and send Service

Canada your documentaon as soon as you receive them.

2.1 Automac enrolment for the

OAS pension and the Guaranteed

Income Supplement

2.2 Applying for the OAS pension

and the Guaranteed Income

Supplement

2.3 Applying for the Guaranteed

Income Supplement

2.4 Aer you apply

2.1 Automac enrolment for the OAS pension and the

Guaranteed Income Supplement

Jocelyne is 64 years old, a Canadian cizen, and has 40 years of

Canada Pension Plan (CPP) contribuons.

Jocelyne receives a leer from Service Canada nofying her

that she will be automacally enrolled for the OAS pension

the month aer her 65

birthday. The leer includes the

informaon Service Canada has used to help Jocelyne qualify

for OAS. The informaon is correct, so she does not need to

contact Service Canada or complete an applicaon form.

The OAS Program

Applying

Other Benets

More Informaon

If you are 64 years old, live in Canada and have

parcipated in the Canada Pension Plan and/

or Quebec Pension Plan program for at least

40 years, you may be automacally enrolled for

the OAS pension.

If you qualify for automac enrollment, you will be

noed in wring prior to turning 65 years of age.

You will also be informed of the informaon that has

been used to determine your eligibility.

If this informaon is inaccurate, you must make any

correcons in wring prior to your 65

birthday.

In some cases, Service Canada may ask you

to complete an applicaon form before your

birthday.

Note: If you are automacally enrolled for the OAS

pension, Service Canada will also assess whether you

are eligible for the Guaranteed Income Supplement.

2.2 Applying for the OAS Pension and

Guaranteed Income Supplement

The OAS Program

Applying

Other Benets

More Informaon

Secon B1:

OAS pension

start date

You can choose when between 65 and 70 years of age you want to start

receiving payments. For each month you wait to start your OAS pension, your

pension amount will go up by 0.6 percent (7.2 percent per year). You can also

delay payment past the age of 70; however, your pension amount will not

increase any further.

Note: If you choose to delay your OAS pension, you will not be eligible for the

Guaranteed Income Supplement and your spouse or common-law partner, if

applicable, will not be eligible for the Allowance during that period.

About this

applicaon guide

Use this informaon sheet alongside your combined Old Age Security and

Guaranteed Income Supplement Applicaon (ISP3550). It guides you through

the quesons of the applicaon and provides informaon on the documents you

will need to include. Each secon outlined in this guide (e.g., Secon D) refers to

the corresponding secon on the applicaon form. To download the applicaon

(ISP3550) and a detailed reference guide (ISP3550A), please refer to page 40

Relevant Links.

Below you will nd guidance on some of the more complex quesons on the

combined applicaon.

2.2 Applying for the OAS Pension and

Guaranteed Income Supplement (Cont'd)

The OAS Program

Applying

Other Benets

More Informaon

Secon B2:

Legal Status

For the OAS pension, you must have legal status in Canada. This means you are a

Canadian Cizen or permanent resident (formerly known as landed immigrant) or,

hold a Temporary Resident's Permit (formerly known as Minister's Permit) the day

before your applicaon is approved, or the day before you le Canada.

Required Documentaon:

If you were born in and have lived in Canada all your life, you do not need to

provide proof of legal status. We will contact you for documentaon if required.

If you were born outside of Canada, a cered copy of one of the following

documents may be required, depending on your situaon:

; For a Canadian cizen: a cercate of Canadian cizenship, naturalizaon

cercate, or Canadian passport issued in 1970 or later.

; For a permanent resident (formerly known as landed immigrant): a Canadian

immigraon document (for example, IMM1000 – Record of Landing or

Permanent Resident Card) or Canadian immigraon stamp on your passport.

; For a resident under a Temporary Resident's Permit (formerly known as

Minister's Permit): a Temporary Resident’s Permit.

2.2 Applying for the OAS Pension and

Guaranteed Income Supplement (Cont'd)

The OAS Program

Applying

Other Benets

More Informaon

Secons B3 to B6:

Residence history

Required Documentaon:

If you have not lived in Canada all of your life, you must list all the places you have

lived (both in and outside of Canada) from age 18 to present and the me period

for each. Include any absences from Canada that were longer than 6 months. Try

to provide exact dates of entry and departure where possible. If you do not have

enough space, you can aach another sheet of paper.

The Guaranteed Income Supplement is based on your previous year's income.

Service Canada receives your eligibility every year based in part on informaon

from the Canada Revenue Agency. As a result, you must le your income tax

return on me (by April 30). If you do not le on me, our Guaranteed Income

Supplement may not be renewed on me.

Secon C: Applying for

the Guaranteed Income

Supplement

Secon C1:

Applying

To apply for the Guaranteed Income Supplement, please complete Secons C2 to

C10. If you do not want to apply, check the box in C1 and go to Secon D.

Secons C2, C3,

C8, and C9:

Income

Indicate if you or your spouse or common-law partner has rered, ceased to

operate a business, had a reducon in pension income in the last two years or

expects a reducon in pension income over the next two years. If you select "yes"

in any of these secons, you will receive a special form to help you esmate the

income you expect to receive. If it works in your favour, Service Canada will base

your benet amount on the current calendar year.

2.2 Applying for the OAS Pension and

Guaranteed Income Supplement (Cont'd)

The OAS Program

Applying

Other Benets

More Informaon

Secon C4:

Foreign income

You must report to Service Canada any foreign income you or your spouse

or common-law partner receives each year. Foreign income includes: wages,

employer pensions, social security benets, dividends, investments and rental

income received from another country. Show these amounts in the currency in

which they are paid. You must report the enre amount of the foreign income,

even if it is not paid in Canada or if it is not taxable in Canada.

Secon C5:

Marital status

You must conrm your marital status in this secon. If you are married, you must

provide your marriage cercate. If you are in a common-law relaonship, please

complete and submit a Statutory Declaraon of Common-law Union (ISP3004).

You can nd this form online at Canada.ca/OAS-forms or by calling Service

Canada.

Secon C6:

Marital status (Cont'd)

If you and your spouse or common-law partner are living apart for reasons

beyond your control, tell us when you started living apart. Also complete and

submit a Statement - Spouses/common-law partners living apart for reasons

beyond their control (ISP3040). You can nd this form online at Canada.ca/OAS-

forms or by calling Service Canada.

Living apart for reasons beyond your control means that a couple is not living

together in a home maintained by either of them.

This includes when one member remains in the home they shared while the

other:

; moves into a long-term care facility, nursing home or rerement home due to

age or illness;

; is incarcerated; or

; lives in a separate residence for nancial or employment reasons to be close to

available work or to medical care.

The OAS Program

Applying

Other Benets

More Informaon

2.2 Applying for the OAS Pension and

Guaranteed Income Supplement (Cont'd)

Secon D3:

Taxes and your

Old Age Security

Pension

The OAS pension is taxable income. You are not required to have income tax

deducted from your monthly OAS payment, but you may choose this opon to

reduce your tax payable when you le your annual income tax return.

If you would like to have income tax deducted from your monthly OAS payment,

please indicate the dollar amount or the percentage you would like to have

deducted.

Note: You can change the amount of monthly income tax deducted from your

OAS pension payment any me aer you start your OAS pension.

Secon D1:

Payment

informaon

Direct deposit in Canada: If you want to receive your payments by direct deposit

into your bank account in Canada, the account must be in your name. A joint

account is also acceptable. You can provide a void cheque or your banking

informaon (branch number, instuon number and account number) to Service

Canada. These numbers appear at the boom of a cheque.

Direct deposit outside of Canada: For direct deposit outside of Canada,

please contact Service Canada at 1-800-277-9914 (from the United States) or

+1-613-957-1954 (from all other countries). (Collect calls are accepted Monday

to Friday, 8:30 a.m. to 4:30 p.m. Eastern Time). You can nd more informaon on

page 41 Relevant Links.

The OAS Program

Applying

Other Benets

More Informaon

2.2 Applying for the OAS Pension and

Guaranteed Income Supplement (Cont'd)

A note about

documentaon to

aach to your

applicaon

If possible, you should provide cered photocopies to Service Canada instead

of original documents. Service Canada can only accept a photocopy if it has been

cered as a true copy of the original.

If you go to the nearest Service Canada oce, a Service Canada employee can

cerfy your documents (free of charge).

Others who are authorized to cerfy documents (though not necessarily free of

charge) include:

; accountants;

; Chiefs of First Naons Bands;

; Jusces of the Peace;

; lawyers or notaries;

; social workers; and

; managers of nancial instuons.

Make sure that the person who ceres your document(s) has:

; compared the original document to the photocopy;

; stated their ocial posion / tle and signed and printed their name;

; provided their telephone number;

; indicated the date they cered the document; and

; wrien on the photocopy: "This photocopy is a true copy

of the original document which has not been altered in any way."

If you do decide to send original documents, you should send them by registered

mail. Service Canada will return all original documents to you.

The OAS Program

Applying

Other Benets

More Informaon

2.2 Applying for the OAS Pension and

Guaranteed Income Supplement (Cont'd)

A note about

documentaon to aach

to your applicaon

If you are married or living in a common-law union, you must provide proof

(unless previously provided for a Canada Pension Plan or the OAS benet).Please

set page 40 Relevant Links for the required forms listed below.

Proof of marriage can include:

; a marriage cercate;

; an ocial copy or extract of the church, synagogue, mosque, temple, etc.;

; a civil record of marriage as issued by a competent authority;

; marriage registraon forms (if an ocial copy or extract of the record from Vital

Stascs and registraon number);

; a completed Statutory Declaraon of Legal Marriage (ISP1809B).

Proof of common-law union can include:

; Statutory Declaraon of Common-law Union (ISP3004) - must be witnessed by a

Commissioner of Oaths (oered for free in a Service Canada Oce); and

; another proof of the relaonship, such as:

 Cercate of Civil Union in Quebec;

 Domesc Partners Cercate in Nova Scoa and Saskatchewan, Cercate of

Common-Law Relaonship in Manitoba, Adult Interdependent Partner Agreement in

Alberta;

 marital status claimed on a current ISP benet;

 Income Tax and Benet Returns;

 provincial registraon forms;

 cohabitaon or prenupal agreement / joint wills or bank accounts.

The OAS Program

Applying

Other Benets

More Informaon

2.3 Applying for the Guaranteed Income Supplement

About this Guaranteed

Income Supplement

applicaon guide

Use this informaon sheet alongside the applicaon for the Guaranteed Income Supplement

or Statement of Income for Allowance or Allowance for the Survivor (ISP3025). It guides you

through the secons of the applicaon and provides informaon on the documents you will

need to include. Each secon in this guide refers to the respecve secon on the applicaon

form.

Note: The GIS is based on your previous year's income. Your eligibility will be reviewed each

year based in part on informaon Service Canada receives from the Canada Revenue Agency.

As a result, you must le your income tax return on me (by

April 30).

If you do not meet the

deadline, the renewal of your GIS could be delayed.

You have to apply

separately for the

Guaranteed Income

Supplement if:

you already receive the Old Age Security pension but never applied for the

Guaranteed Income Supplement before;

or you chose not to apply for it when lling out the Applicaon for the Old Age

Security pension and the Guaranteed Income Supplement (ISP3550).

Please see page 40 Relevant Links to download the Applicaon for the Guaranteed

Income Supplement or Statement of Income for Allowance or Allowance for the

Survivor (ISP3025).

A note about

documentaon to aach

to your applicaon

Note: Cercaon

guidelines are the same

as those listed for the

OAS pension applicaon

(see

page 28).

If you are married or living in a common-law union, you must provide proof (unless

previously provided for a Canada Pension Plan or the OAS benet).

Proof of marriage can include:

; a marriage cercate;

; an ocial copy or extract of the church, synagogue, mosque, temple, etc.;

; a civil record of marriage as issued by a competent authority;

; marriage registraon forms (if an ocial copy or extract of the record from Vital

Stascs and registraon number);

; a completed Statutory Declaraon of Legal Marriage (ISP1809B).

Proof of common-law union can include:

; Statutory Declaraon of Common-law Union (ISP3004) - must be witnessed by a

commissioner of oaths (oered for free in a Service Canada Oce); and

; another proof of the relaonship, such as:

 Cercate of Civil Union in Quebec;

 Domesc Partners Cercate in Nova Scoa and Saskatchewan, Cercate of Common-

Law Relaonship in Manitoba, Adult Interdependent Partner Agreement in Alberta;

 marital status claimed on a current ISP benet;

 Income Tax and Benet Returns;

 provincial registraon forms;

 cohabitaon or prenupal agreement / joint wills or bank accounts.

The OAS Program

Applying

Other Benets

More Informaon

2.3 Applying for the Guaranteed Income Supplement

Secons A and B:

Please make sure that your name, address, Social Insurance Number and

telephone number are correct.

Secon C:

You must conrm your marital status in this secon. If you are married or living in

a common-law union, you must provide proof (original, or cered copies). Please

see the previous page for examples of proof of marriage or common-law union.

Secon D:

Tell us if you or your spouse or common-law partner has been absent from

Canada for more than 6 months in the last 18 months. If the answer is “yes,”

please submit proof of their departure and return to Canada.

See next page for Secon E: Income Report

Secon F:

If you or your spouse or common-law partner have rered, ceased to operate a

business, or had a reducon in pension income, please complete this secon. If

this secon applies to you, you will receive a special form to help you esmate the

income you expect to receive. If it works in your favour, Service Canada will base

your benet amount on the current calendar year.

Secon G:

You and your spouse or common-law partner (if applicable) must sign the form. If

you are unable to sign the form, a mark such as an “X” is acceptable.

Secon H:

If you had to sign Secon G with a mark (such as an “X”), then a witness must give

their informaon in this secon.

The OAS Program

Applying

Other Benets

More Informaon

Secon E:

In this secon, you will report on all of your income. Use your Income Tax and

Benet Return to help you ll out this informaon.

2.3 Applying for the Guaranteed Income Supplement

INCLUDE these sources of income:

Block 1: Canada Pension Plan or Quebec Pension Plan benets:

line 114

Block 2: Other pension income (remember that foreign pension

income must be reported, even if paid abroad): lines 115

and 116

Block 3: Employment Insurance: line 119 / Workers’ compensaon

benets: line 144

Block 4: Interest and other investment income: line 121

Block 5: Taxable Canadian dividends: line 120 / Taxable capital

gains: line 127

Block 6: Net rental income: line 126

Block 7: Net employment income: (line 101 + 104) minus (lines 308

+ 312). Deduct $3,500 from your net employment income.

If the result is negave, enter "0."

Block 8: Net self-employment income: (lines 135 + 137 + 139 + 141

+ 143) minus (lines 222 + 310 + 317)

Block 9: Other income: (lines 122 +128 + 129 + 130) minus (lines

207 + 208 + 209 + 210 + 212 + 214 + 215 + 217 + 219 + 220

+ 221 + 223 + 224 + 229 + 231 + 232)

Block 10: Total income for the year: add the amounts from blocks 1

through 9. If the amount is negave, circle the number. If you

have no income, enter "0.”

DO NOT include these income sources:

→ any OAS pension, GIS, Allowance or

Allowance for the Survivor amounts;

→ War Veterans Allowance, Veterans

Disability, Dependants Pension Program;

→ Death benets from the Canada Pension

Plan or Quebec Pension Plan;

→ Canada Child Benet;

→ assistance payments from municipal,

provincial or Canadian federal government;

→ support and/or gis from relaves,

registered charies or other organizaons;

→ municipal tax rebates;

→ loery winnings;

→ inheritances;

→ GST credits, or other payments issued by

the Canada Revenue Agency;

→ Registered Disability Savings Plan payment.

2.4 Aer you Apply

The OAS Program

Applying

Other Benets

More Informaon

When to contact Service Canada

It is your responsibility to contact Service Canada if:

; you need to correct inaccurate or incomplete

informaon or provide informaon not previously

disclosed;

; you move;

; your banking informaon changes;

; your marital status changes;

; you leave Canada for more than six months;

; you are involuntarily separated*;

; a beneciary dies.

*If you and your spouse/common-law partner are no

longer able to live together for reasons beyond your

control, such as when one partner has to move into

a nursing home or long-term care facility, you may be

entled to receive a higher benet amount.

Updang your personal informaon with

Service Canada

You can view and update your personal informaon

online through My Service Canada Account (MSCA).

If you currently receive the OAS pension, or if your

rst OAS pension payment is pending, you can use

MSCA to:

; change your mailing address and / or telephone

number;

; sign up for direct deposit or update your banking

informaon;

; view your payment informaon, including

payment dates and monthly amounts.

If you receive a leer nofying you that you will be

automacally enrolled for the OAS pension and you

do not wish to start to receive it, you can use MSCA

to delay receipt of your pension.

To visit MSCA, please go to page 40 Relevant Links.

For all other changes, please contact Service Canada

(see page 36).

When you can expect to hear from

Service Canada

Aer you apply, Service Canada will contact you by

mail once a decision has been made, or to request

addional informaon or documentaon to process

your applicaon. If you apply 6 months or more in

advance, Service Canada will try to ensure you are

put into pay the month you are eligible.

If Service Canada requires more informaon, it is in

your best interest to respond as soon as you can. This

will ensure your applicaon is processed as quickly as

possible.

2.4 Aer you Apply (Cont'd)

When you can expect to receive your

benet payment

If you request to receive OAS (and, if applicable, the

Guaranteed Income Supplement) by direct deposit,

payment will be made into your account on the third-

from-last banking day of each month. Otherwise, a

cheque will be mailed to you during the last three

banking days of each month.

If you are automacally enrolled for OAS (and, if

applicable, the Guaranteed Income Supplement) and

you currently receive a Canada Pension Plan benet

by direct deposit, your OAS pension will be deposited

into the same account.

Receiving your OAS pension outside of Canada

Your OAS pension can be paid outside of Canada if:

;

you have resided in Canada for at least 20 years

aer the age of 18;

;

you have lived or worked in a country that Canada

has an agreement with and you meet the 20-year

residence requirement under the guidelines of

that agreement.

If you do not meet these requirements, you can only

receive the OAS pension outside of Canada for up to

six months. When you return to Canada, payment of

your OAS pension will resume.

Receiving other benets outside of Canada

If you leave Canada for more than six months, your

Guaranteed Income Supplement, Allowance and/or

Allowance for the Survivor payment will be stopped

regardless of how long you previously lived in

Canada. Your payment will resume once you return

to reside in Canada.

If you need someone to contact Service Canada

or act on your behalf

If you want to authorize someone to give and receive

informaon to Service Canada on your behalf,

you can complete the Consent to Communicate

Informaon to an Authorized Person form (ISP1603)

form and mail it to your nearest Service Canada

oce. This form does not allow the person to apply

for benets on your behalf, change your payment

address, or request / change the withholding of tax.

If you are incapable of managing your own aairs,

another person or agency (a trustee) may be

appointed to act on your behalf.

To make changes on behalf of another person, you

must submit a Cercate of Incapability (ISP3505),

completed by a medical professional. You must also

complete one of the following forms:

; Agreement to administer benets by a Private

Trustee;

; Agreement to administer benets by an Agency

or Instuon.

See page 36 for Service Canada contact informaon

and page 40 Relevant Links for the link to the forms.

The OAS Program

Applying

Other Benets

More Informaon

3.0 Other Benets

3.1 Other federal and provincial benets

To see if you may be eligible for other federal and

provincial/territorial benets, use the

Canada

Benets Finder

To visit the Canada Benets Finder, go to

page 40

Relevant Links

Answer a few simple quesons and the Canada Benets

Finder will idenfy programs and services that you may

be eligible for.

3.2 Foreign benets

If you live or have lived or worked in another country,

you may also be eligible for foreign benets from

that country. In some cases, Canada’s Social Security

Agreements with other countries may help you qualify

for a foreign benet. The terms of each agreement are

dierent so you will need to contact Service Canada

to nd out more about your parcular situaon. For

addional informaon about Canada’s agreements with

other countries, please go to page 40 Relevant Links.

If you have lived or worked in a country with which

Canada has not signed an agreement, you must contact

that country directly to nd out if you qualify for a

foreign benet.

4.0 More Informaon

Congratulaons! You have learned all about the OAS program and other

benets that you may be eligible for.

4.1 Contacng Service Canada

To visit us in-person, please go to page 41 Relevant Links to nd your

nearest Service Canada Centre.

To contact us in wring, please mail forms / documentaon to your

provincial oce, which can be found using the link on page 41 Relevant

Links.

To contact Service Canada by phone from Canada or the United States,

call (toll free) 1-800-277-9914 or TTY: 1-800-255-4786.

Hours of operaon: 8:30 am to 4:30 pm EST, Monday to Friday.

For more informaon, and to connect with Service Canada

on social media:

Connect with us on Facebook

Chat with us on Twier

Watch our videos on YouTube

4.1 Contacng Service Canada

4.2 Glossary of terms

4.3 Relevant Links

4.2 Glossary of Terms

The OAS Program

Applying

Other Benets

More Informaon

Allowance A monthly benet available to low-income individuals aged 60 to 64 whose

spouse or common-law partner receives the Guaranteed Income Supplement.

Allowance for the

Survivor

A monthly benet available to individuals aged 60 to 64 who have a low income,

who are living in Canada, and whose spouse or common-law partner has died.

Automac Enrollment If you are 64 years old, live in Canada and have paid into the Canada Pension Plan

or Quebec Pension Plan program for at least 40 years, you should be automacally

enrolled with Service Canada for the OAS pension.

Note: If you are automacally enrolled for the OAS pension, Service Canada will

also assess your entlement to the GIS.

Canada Benets Finder A self-serve tool that gives you a customized list of federal and provincial or

territorial programs and services for which you may be eligible.

Canada Pension Plan Funded through the contribuons of employees and employers. With very

few excepons, every person over the age of 18 who works in Canada outside

of Quebec and earns more than a minimum amount ($3,500 per year) must

contribute to the Canada Pension Plan. The plan provides pensions and benets

when you rere, or if you become disabled or pass away.

Cered documents A cered copy (oen a photocopy) of a primary document that has on it an

endorsement or cercate that it is a true copy of the primary document.

Common-law Two people who have lived together in a conjugal relaonship for at

least one year.

4.2 Glossary of Terms

The OAS Program

Applying

Other Benets

More Informaon

Guaranteed Income

Supplement

A monthly non-taxable benet for OAS pension recipients who have a low income

and are living in Canada.

Legal Status A Canadian cizen or person legally admied into Canada as a permanent or

temporary resident. If applying for an Old Age Security pension from outside

the country, you must have been a Canadian cizen or legal resident when you

le Canada.

My Service Canada

Account (MSCA)

An online tool that provides convenient and secure access to view and update

your Employment Insurance, Canada Pension Plan, and Old Age Security

informaon online.

Old Age Security

(OAS) pension

A monthly benet available to seniors aged 65 and older who meet the

Canadian legal status and residence requirements. It is funded out of the

general revenues of the Government of Canada, which means that you do not pay

into it directly. You can receive the OAS pension even if you have not worked in

Canada.

Quebec Pension Plan Funded through the contribuons of employees and employers. It is a required

public insurance plan for workers age 18 and over who earn more than $3,500

per year. It gives people who work in Quebec (or have worked in Quebec)

and their families with basic nancial protecon in the event of rerement,

death or disability.

Foreign benet A benet from another country where you have lived or worked. These benets

depend on that country’s rules about the payment of their benets in other

countries.

4.2 Glossary of Terms

The OAS Program

Applying

Other Benets

More Informaon

Residence in Canada Periods when you normally live in Canada. Some absences from Canada may also

be included, like periods of work outside Canada for a Canadian employer (such as

the Canadian Armed Forces or an internaonal charitable organizaon).

Service Canada Provides Canadians with a single point of access to a wide range of government

services and benets. Service Canada gives Canadians access to a full range of

Government services and benets through the Internet, by telephone, in person

or by mail.

Social Security

Agreement

A signed agreement between Canada and another country that can help you meet

the residence requirements for OAS program benets, as well as foreign benets.

Canada has signed these agreements with over 50 countries.

4.3 Relevant Links

The OAS Program

Applying

Other Benets

More Informaon

Apply for the Allowance

(ALW) (ISP3008)

Canada.ca/esdc-forms

Apply for the Allowance

for the Survivor (ALWS)

(ISP3008)

Canada.ca/esdc-forms

Apply for the Old

Age Security (OAS)

basic pension and

Guaranteed Income

Supplement (ISP3550)

Canada.ca/esdc-forms

Canada Benets Finder

www.canadabenets.ca

Benet Amounts

Canada.ca/OAS-payment

Consent to

Communicate (ISP1603)

Canada.ca/esdc-forms

Cercate of

Incapability (ISP3505)

Canada.ca/esdc-forms

Agreement to

administer benets by

an Agency (ISP3507)

Canada.ca/esdc-forms

Agreement to

administer benets by

a Trustee (ISP3506)

Canada.ca/esdc-forms

Apply for the Guaranteed

Income Supplement or

Statement of Income for

Allowance of Allowance

for the Survivor(ISP3025)

Canada.ca/esdc-forms

4.3 Relevant Links

The OAS Program

Applying

Other Benets

More Informaon

Statutory Declaraon

of Legal Marriage

(ISP1809B)

Canada.ca/esdc-forms

Statutory Declaraon

of Common Law Union

(ISP3104)

Canada.ca/esdc-forms

Statutory Declaraon of

Common Law Union

(ISP3004)

Canada.ca/esdc-forms

Social Security

Agreements (SSAs)

Canada.ca/Pension-internaonal

Find your nearest

Service Canada locaon

Canada.ca/Service-Canada-oce-locator

Get in touch with

Service Canada by

phone or online

Canada.ca/Service-Canada-contact

Internaonal

pensions and

benets

Canada.ca/Pension-internaonal

My Service Canada

Account (MSCA)

Canada.ca/My-Service-Canada-Account

Maximum net annual

income amounts

Canada.ca/OAS-payment

Reference Guide for

the Old Age Security

Pension and the

Guaranteed Income

Supplement (ISP3550A)

Canada.ca/esdc-forms

Direct Deposit

www.canada.ca/en/employment-social-development/programs/direct-deposit.html