Old Age Security payment amounts
From: Employment and Social Development Canada
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Benefit payment tables
The rate tables are no longer available. They have been replaced by the OAS Benefits Estimator.
The Old Age Security (OAS) Benefits Estimator can help you estimate your monthly payments and plan for the future. Use this tool to:
- find out when you could become eligible
- understand the impact of deferring your pension
- see how your payments may change based on your situation
Old Age Security pension and benefits
Your Old Age Security pension amount is determined by:
- your age (65 or older)
- how long you have lived in Canada after the age of 18
- your income
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 ($81,761 for 2022).
Increased Old Age Security pension at age 75
In July 2022, the Old Age Security pension was permanently increased by 10% for seniors aged 75 and over.
Other Old Age Security benefits
In addition to the Old Age Security pension, there are 3 other benefits available under the Old Age Security program:
Guaranteed Income Supplement (GIS)
You may be able to get the Guaranteed Income Supplement if:
- you get the Old Age Security (OAS) pension
- you are 65 or older
- you are a Canadian citizen or a legal resident
- you live in Canada
- your income is below the maximum annual income threshold for the GIS based on your marital status
Allowance
You may be able to get the Allowance if:
- your spouse or common-law partner receives the Guaranteed Income Supplement (GIS)
- you are 60 to 64 years of age
- you are a Canadian citizen or a legal resident
- you have lived in Canada for at least 10 years since the age of 18, and you and your spouse or common-law partner’s combined income is below the maximum annual income threshold for the Allowance
Allowance for the Survivor
You may be able to get the Allowance for the Survivor benefit if:
- your spouse or common-law partner has died and you have not remarried or entered into a common-law relationship
- you are 60 to 64 years of age
- you are a Canadian Citizen or legal resident
- you have lived in Canada for at least 10 years since the age of 18
- your annual income is less than the maximum annual income threshold for the Allowance for the Survivor
Payment amounts for the Guaranteed Income Supplement, the Allowance and the Allowance for the Survivor are not considered taxable income.
For Guaranteed Income Supplement, Allowance, or Allowance for the Survivor payments, your benefit amount 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.
Maximum payments and income thresholds - January to March 2024
The following tables provide only the maximum payment amount for each benefit. For amounts based on your specific income, use the Old Age Security (OAS) estimator.
If you lived in Canada for at least 10 years, but less than 40 years (after age 18) you will receive a partial Old Age Security pension. If you are receiving a partial pension, do not use these tables to determine your payment. You should contact us for more information.
| Your situation | Your annual net world income in 2022 must be | Maximum monthly payment amount |
|---|---|---|
| I am age 65 to 74 | less than $142,609 | up to $713.34 |
| I am age 75 and over | less than $148,179 | up to $784.67 |
| Your situation | Your annual net income must be | Maximum monthly payment amount |
|---|---|---|
| I am single, widowed or divorced | less than $21,624 | up to $1,065.47 |
| I have a spouse/common-law partner who receives a full OAS pension | less than $28,560 (combined income of couple) |
up to $641.35 |
| I have a spouse/common-law partner who receives the Allowance | less than $39,984 (combined income of couple) |
up to $641.35 |
| I have a spouse/common-law partner who does not receive an OAS pension or Allowance | less than $51,840 (combined income of couple) |
up to $1,065.47 |
| Your situation | Your annual income plus the annual income of your spouse/common-law partner must be | Maximum monthly payment amount |
|---|---|---|
| I have a spouse/common-law partner who receives the GIS and the full OAS pension | Less than $39,984 (combined income of couple) |
up to $1,354.69 |
| Your situation | Your annual net income must be | Maximum monthly payment amount |
|---|---|---|
| I am a surviving spouse or common-law partner | less than $29,112 | up to $1,614.89 |
For combined Old Age Security pension and Guaranteed Income Supplement amounts, consult the Quarterly report of Canada Pension Plan and Old Age Security monthly amounts and related figures.
Resources for partners
Open Government - Table of Benefit Amounts by marital status and income level
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 0.8% for the January to March 2024 quarter, compared to the previous quarter (from October to December 2023).
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 January to March 2024 amount
The calculation of the January to March 2024 amount is based on the CPI for the months of August, September and October 2023, on the one hand, and the months of May, June and July 2023, on the other hand.
On the one hand, the most recent period for which the CPI is available is August, September and October 2023. The average CPI for this period is 158.6.
| Most recent 3-month period | CPI |
|---|---|
| August 2023 | 158.7 |
| September 2023 | 158.5 |
| October 2023 | 158.6 |
| The average for the 3-month period | 158.6 |
On the other hand, the last period where a CPI increase led to an increase in OAS benefit amounts is May, June and July 2023. The average CPI for this period is 157.4.
| Last 3-month period | CPI |
|---|---|
| May 2023 | 157.0 |
| June 2023 | 157.2 |
| July 2023 | 158.1 |
| The average for the 3-month period | 157.4 |
The difference between the 2 periods represents an increase of 0.8%.
This is calculated as 158.6 minus 157.4, divided by 157.4.
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