Searching for Income Programs For Older Adults

Provides financial benefits to retired seniors

Canada Pension Plan (CPP)

• Provides a monthly taxable benefit to retired contributors

Old Age Security (OAS)

• Provides a monthly benefit available to most Canadians 65 years of age who meet the Canadian legal status and residence requirements

Guaranteed Income Supplement (GIS)

• Provides a monthly non-taxable benefit to low-income OAS recipients living in Canada

Provides a monthly benefit to eligible Canadians who are unable to work at any job due to a disability

Financial benefits paid to a deceased contributor's estate, surviving spouse or common-law partner and dependent children

Death Benefit

• Provides a one-time payment to or on behalf of the estate of a deceased Canada Pension Plan (CPP) contributor

Survivor's Pension

• Provides a monthly pension paid to the surviving spouse or common-law partner of a deceased CPP contributor

Children's Benefit

• Provides a monthly benefit for the dependent children of a deceased CPP contributor

Financial benefits paid to a deceased contributor's estate, surviving spouse or common-law partner and dependent children

Death Benefit

• Provides a one-time payment to or on behalf of the estate of a deceased Canada Pension Plan (CPP) contributor

Survivor's Pension

• Provides a monthly pension paid to the surviving spouse or common-law partner of a deceased CPP contributor

Children's Benefit

• Provides a monthly benefit for the dependent children of a deceased CPP contributor

Provides financial benefits to retired seniors

Canada Pension Plan (CPP)

• Provides a monthly taxable benefit to retired contributors
• Provides CPP information online

Old Age Security (OAS)

• Provides a monthly benefit available to most Canadians 65 years of age who meet the Canadian legal status and residence requirements
• Provides OAS information online

Guaranteed Income Supplement (GIS)

• Provides a monthly non-taxable benefit to low-income OAS recipients living in Canada

Provides a monthly benefit to eligible Canadians who are unable to work at any job due to a disability

Financial benefits paid to a deceased contributor's estate, surviving spouse or common-law partner and dependent children

Death Benefit

• Provides a one-time payment to or on behalf of the estate of a deceased Canada Pension Plan (CPP) contributor

Survivor's Pension

• Provides a monthly pension paid to the surviving spouse or common-law partner of a deceased CPP contributor

Children's Benefit

• Provides a monthly benefit for the dependent children of a deceased CPP contributor

Provides financial benefits to retired seniors

Canada Pension Plan (CPP)

• Provides a monthly taxable benefit to retired contributors

Old Age Security (OAS)

• Provides a monthly benefit available to most Canadians 65 years of age who meet the Canadian legal status and residence requirements

Guaranteed Income Supplement (GIS)

• Provides a monthly non-taxable benefit to low-income OAS recipients living in Canada

Provides a monthly benefit to eligible Canadians who are unable to work at any job due to a disability

Financial benefits paid to a deceased contributor's estate, surviving spouse or common-law partner and dependent children

Death Benefit

• Provides a one-time payment to or on behalf of the estate of a deceased Canada Pension Plan (CPP) contributor

Survivor's Pension

• Provides a monthly pension paid to the surviving spouse or common-law partner of a deceased CPP contributor

Children's Benefit

• Provides a monthly benefit for the dependent children of a deceased CPP contributor

Provides financial benefits to retired seniors

Canada Pension Plan (CPP)

• Provides a monthly taxable benefit to retired contributors

Old Age Security (OAS)

• Provides a monthly benefit available to most Canadians 65 years of age who meet the Canadian legal status and residence requirements

Guaranteed Income Supplement (GIS)

• Provides a monthly non-taxable benefit to low-income OAS recipients living in Canada

Provides a monthly benefit to eligible Canadians who are unable to work at any job due to a disability

Financial benefits paid to a deceased contributor's estate, surviving spouse or common-law partner and dependent children

Death Benefit

• Provides a one-time payment to or on behalf of the estate of a deceased Canada Pension Plan (CPP) contributor

Survivor's Pension

• Provides a monthly pension paid to the surviving spouse or common-law partner of a deceased CPP contributor

Children's Benefit

• Provides a monthly benefit for the dependent children of a deceased CPP contributor

One-stop service delivery for a wide range of federal programs and services

• labour market information
• information and referral on Employment Insurance, Social Insurance Numbers, Canada Pension Plan, Old Age Security, Veterans benefits, Apprenticeship Incentive Grant, Canada Education Savings Grant and others
• some Service Canada locations are passport receiving agents

For details on all federal and provincial benefits see Canada Benefits directory

For local Service Canada Centres see separate entries or office locator

Old Age Security (OAS)

Monthly pension to persons 65 or over regardless of income or assets

• must be legal resident of Canada for at least 40 years to receive full pension
• also full pension for persons who were 25 years or older as of July 1, 1977, and who resided in or had a visa to enter Canada that was valid on that date, or who had resided legally in Canada prior to that date and after reaching age 18, and who resided in Canada immediately before approval of the application

Guaranteed Income Supplement

Supplement added monthly to Old Age Security for those with limited or no income

• amount of supplement is adjusted quarterly
• reapply when income taxes are filed (end of April)
• not payable outside Canada beyond a period of 6 months regardless of how long the person lived in Canada

Allowance

Monthly allowance for spouses 60-64 years of Old Age Security pensioners receiving Guaranteed Income Supplement

• based on combined income of the couple
• allowance is adjusted quarterly
• residence requirements
• proof of age required
• reapply when income taxes are filed (end of April)

Allowance for the Survivor

Monthly allowance for widowed spouses 60-65 years

• death, marriage and applicant's birth certificate required
• based on limited or no income
• deceased spouse need not have received Old Age Security
• apply when income taxes are filed (end of April)

Some seniors might not be able to afford their rent consider referring them to Home - Community Legal Services of Ottawa / or to the Services juridiques - CSC Vanier immediately for assistance

Programs of Human Resources and Social Development Canada, delivered by Service Canada)

Click here for the Benefits Payment Calendar

Individuals who have lived or worked in Canada and in another country, or are the survivor of someone who has lived or worked in Canada and in another country may be eligible for pensions and benefits from Canada and/or from the other country because of a social security agreement

• an international agreement between Canada and another country that is designed to coordinate the pension programs of the two countries for people who have lived or worked in both countries
• helps individuals qualify for benefits by allowing them to combine periods of contribution or periods of residency in Canada with periods of contribution or periods of residency in the other country to meet the minimum eligibility criteria
• can also reduce or eliminate restrictions based on citizenship or on payment of pensions abroad
• the requirements under the social security agreements vary from agreement to agreement
• for more information, see website

In person service is available at local Region of Halton Service Canada Centres:

• Burlington
• Georgetown
• Milton
• Oakville