OLD AGE SECURITY. The Old Age Security Pension

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1 OLD AGE SECURITY The Old Age Security Pension March 2012

2 Contents The Old Age Security program...1 The OAS pension...2 Who can receive the OAS pension?...2 Applying for the OAS pension...3 How we calculate your pension...4 Receiving your OAS pension...7 Filing your income tax return...12 The Guaranteed Income Supplement, the Allowance, and the Allowance for the Survivor...14 Appealing a decision...16 Protecting information about you...17 Other benefits...19 Service Canada delivers the Old Age Security program on behalf of the Department of Human Resources and Skills Development. This publication contains general information on the Old Age Security pension. In case of dispute, the wording and provisions of the Old Age Security Act and Regulations prevail. This publication can be made available in alternative formats such as Braille, large print, audio cassette, CD, DAISY, and computer diskette. Call O-Canada ( ) to request a copy. If you have a hearing or speech impairment and use a teletypewriter (TTY), call Produced by Service Canada March 2012 Online: La version française est intitulée La Pension de la Sécurité de la vieillesse (ISPB F) Her Majesty the Queen in Right of Canada, 2012 ISPB E SG5-41/2012E Using My Service Canada Account...21 Contact us...22

3 The Old Age Security program The Old Age Security (OAS) program is the cornerstone of Canada s retirement income system. The OAS program is financed from the general revenues of the Government of Canada, which means you do not pay into it directly. In this way, the OAS differs from the Canada Pension Plan (CPP), which is a contributory plan that people pay into when they work. The CPP provides a range of benefits to contributors and their families, which include retirement, disability, survivor, and death benefits. The OAS and CPP benefits, combined with retirement savings, investments, and private pension plans, provide Canadians with one of the best retirement income systems in the world. There are four types of OAS benefits: the OAS pension; the Guaranteed Income Supplement; the Allowance; and the Allowance for the Survivor. This publication provides detailed information about the OAS pension. For more information about the OAS program, visit our Web site at or contact us (see page 22). 1

4 The OAS pension The OAS pension is a monthly payment that goes to almost all people aged 65 and older who have resided in Canada for a minimum period of time. You must apply to receive this pension. If you meet the eligibility requirements, you can receive the OAS pension even if you are still working or have never worked. Who can receive the OAS pension? Three factors determine whether you can receive the OAS pension: your age, your legal status, and the number of years you have resided in Canada. Usually, if either of the scenarios below describes your situation, you may be eligible to receive the OAS pension. Scenario 1 People residing in Canada You must be 65 or older. You must reside in Canada and be a Canadian citizen or a legal resident at the time we approve your pension application. You must have resided in Canada for at least 10 years after turning 18. Scenario 2 People residing outside Canada You must be 65 or older. You must have been a Canadian citizen or a legal resident of Canada on the day before you left Canada. You must have resided in Canada for at least 20 years after turning 18. If you are not covered by these scenarios If you are not covered by either of these two scenarios, you may still qualify for a pension, since Canada has social security agreements with many countries. If you have lived in one of these countries or contributed to its social security system, you may qualify for a pension from that country, from Canada, or from both countries. For more information, visit our Web site at or contact us (see page 22). Applying for the OAS pension When should I apply? You should apply for the OAS pension at least six months before your 65th birthday, but no earlier than one year before. Usually, you must apply on your own behalf. For information on how to apply for someone else, contact us. How do I get an application kit? You can print an application kit from our Web site at you can call us to order an application kit by mail, or you can pick one up at a Service Canada Centre. The kit contains detailed instructions on how to apply for the OAS pension. 2 3

5 What documents will I need to provide? If you were not born in Canada, you will have to prove your legal status in Canada by showing us your citizenship or immigration documents. If you have not lived continuously in Canada since the age of 18, you must submit proof of all the dates you arrived in or left Canada. You can do this with your passports, visas, airline, ship, and bus tickets, and other approved documents that prove your residence history in Canada. We check your information against the information we have for you in the Social Insurance Register. If your name or date of birth does not match these records, we will ask you to send us your birth certificate. The application kit contains more details about these requirements. For more information, contact us. How we calculate your pension Whether you qualify for a full pension or a partial pension depends on how long you have resided in Canada. Full pension Usually, if you meet all the conditions outlined in one of the two categories on the next page, you may qualify for a full pension. Category 1 You resided in Canada for at least 40 years after turning age 18. Category 2 You reached age 25 on or before July 1, 1977, and at that time: you resided in Canada; or you did not reside in Canada, but after age 18 you had resided in Canada for a period of time; or you possessed a valid Canadian immigration visa. In all cases, you must have resided in Canada for the 10 years immediately before the approval of your OAS pension application. If you did not reside in Canada continuously for the 10 years immediately before we approved your application, you may still qualify for a full pension if: you resided in Canada for the entire year immediately before we approved your OAS pension application; and prior to those 10 years, you were present in Canada (after age 18) for at least 3 years for every 1 year of absence from Canada during those last 10 years. For more information about whether or not you are eligible, contact us. Partial pension If you do not qualify for the full OAS pension, you may qualify for a partial pension. A partial pension is calculated at the rate of 1/40th of 4 5

6 the full pension for each complete year of residence in Canada after age 18. The minimum period of residence in Canada you need to qualify for a partial pension is 10 years after reaching age 18 (as long as you reside in Canada when you receive your OAS pension). In other words, if you resided in Canada for 10 years after your 18th birthday, you may qualify to receive 10/40ths or one-quarter of the full OAS pension. If you resided in Canada for one full year, you may qualify for a partial OAS pension under an international social security agreement. A social security agreement coordinates the pension programs of two countries for those people who have resided or worked in both countries. Canada has international social security agreements with a number of countries that offer comparable pension programs. Social security agreements help people receive the benefits for which they are eligible. If you have resided or worked in another country, you may be eligible for social security benefits, either from that country or from Canada. Note Once we approve a partial pension, we can never increase the number of years of residence on which the pension is based. However, your payments will include cost-of-living increases. Receiving your OAS pension You must apply to receive your OAS pension. Your pension payments will begin during one of the following months, whichever is latest: the month after you meet the residence and legal status requirements; the month after your 65th birthday; or the month during which you ask to have the payments start. If you apply after you turn 65, you can receive a retroactive payment back to your 65th birthday, up to a maximum of 11 months, plus a payment for the month in which we received your application. In other words, if you apply at any time after your 66th birthday, you may receive a back payment worth up to a total of 12 months of pension benefits. When will I receive my payments each month? If you are like most OAS recipients and you choose to sign up for direct deposit, your payment will be deposited automatically into your bank account on the third to last banking day of the month. Otherwise, your payment will be sent to you by mail, usually during the last three banking days of each month. Can you deposit the payment directly into my bank account? Yes. Through our direct deposit service, we can deposit your payment into your bank account in Canada. Direct deposit is also 6 7

7 available in the United States and in a number of countries overseas. How do I sign up for direct deposit? You can sign up for direct deposit when you apply for your OAS pension. It s fast, reliable, and secure. Not only will you receive your payments without any postal delay and be able to access them faster, but you can also be sure they will never be lost, stolen, or damaged. To sign up, you will need: your Social Insurance Number; and your banking information institution name and number, branch number, and bank account number (you can find this information on your personal cheques or bank statements). Are you already receiving your payments by cheque? You can sign up for direct deposit online, by phone, or in person: Click servicecanada.gc.ca/msca (using My Service Canada Account) Call Visit a Service Canada Centre If you live outside Canada, you will need to complete the application form for your country of residence and mail it to the address below. You can download forms from our Web site at or request them by calling (collect calls accepted) or by writing to: International Direct Deposit PO Box 7000 Matane QC G4W 4T5 CANADA Note We do not charge you service fees for the direct deposit service. However, some financial institutions may do so. Please contact your bank or financial institution for more details. What should I do if I move? If you are planning to move, you need to tell us your new address and postal code as soon as possible. This will allow us to update our records and make sure your payment gets to you on time. Even if we deposit your payments directly into your bank account, we need to know your new address so we can send you information and your yearly T4A(OAS) tax information slip (or your NR4-OAS tax information slip, if you are a non-resident of Canada). To change your address and direct deposit information, either contact us or go online to use My Service Canada Account. For information about this service, see Using My Service Canada Account on page 21. Can I receive my pension outside Canada? Yes. Usually, we can send you your pension payment outside the country if: you resided in Canada for at least 20 years after turning age 18; or 8 9

8 you lived or worked in a country that has a social security agreement with Canada and you meet the 20-year residence requirement under the provisions of that agreement. If you do not meet either of the above requirements, we can only send your pension payments outside Canada for the month you left and for six months after that. For example, if you left Canada in January, we would send your payments until the end of July. After July, the payments would stop. If you plan to be absent from Canada for more than six months, you must call us well before you leave. You should also let us know when you return to reside in Canada, so we can restart your pension payments beginning the month you return. Will I get cost-of-living increases? Yes. We will increase your pension payments to reflect increases in the cost of living, as measured by the Consumer Price Index. We apply the increases four times a year in January, April, July, and October. Note Your monthly payment will not decrease if the cost of living goes down. Can my pension ever stop? Yes. Your pension will stop: if you did not reside in Canada for at least 20 years after you turned age 18 and if you are out of the country for more than six months; if you make a request to have your pension stopped; if you are incarcerated in a federal penitentiary for a sentence of two years or longer, or in a provincial or territorial correctional facility for a sentence of 90 days or longer when an informationsharing agreement is in place (your payments would resume the month of your release*); or when you die (it is important that someone notify us about your death). What if my spouse or common-law partner is incarcerated? If the spouses or common-law partners of incarcerated individuals apply for the Guaranteed Income Supplement or the Allowance and meet all the eligibility criteria, we will approve the application. Payment of the GIS or Allowance benefit to eligible spouses or common-law partners of incarcerated OAS pensioners will continue, even though the incarcerated individuals OAS pension and GIS benefits are suspended. *You can apply for benefits while you are incarcerated. If we approve your application, payment would begin the month you are released. Retroactive benefits (up to 11 months) may be made for any months during which you were not incarcerated, including the first month of your incarceration

9 Is there a maximum amount of income I can earn and still continue to receive my OAS pension? Yes. Each year, we adjust the maximum income amount to account for inflation. In 2012, if your net income is more than the maximum income amount of $69,562 (including the OAS pension), you will have to repay part or all of your OAS pension benefit. The OAS pension is completely recovered at $112,772. The income threshold for the OAS Recovery Tax is indexed annually to changes in the Consumer Price Index. Filing your income tax return Is my OAS pension taxable? Yes. Like most other retirement income, your OAS pension is taxable. If you wish, you can ask Service Canada to deduct income tax each month. Contact us for more information. When do I pay the income tax on my pension? If you live in Canada, contact the Canada Revenue Agency about how you can pay the income tax on your pension. If you live in Canada or the United States and you have a tax-related question, call If you have a hearing or speech impairment and use a teletypewriter (TTY), call For international tax enquiries (including non-resident* enquiries), call the International Tax Services Office at: From Canada and the United States: If you have a hearing or speech impairment and use a teletypewriter (TTY): From all other countries: (collect calls accepted) Or write to: International Tax Services Office Canada Revenue Agency Post Office Box 9769, Station T Ottawa ON K1G 3Y4 CANADA How do I report my OAS pension? Each January, you will receive a T4A(OAS) tax information slip (or an NR4-OAS tax information slip if you are a non-resident of Canada) showing the amount of OAS pension you received during the previous year. The amount will reflect your monthly pension amount, any back payments, and any tax that has been deducted. You should use the information on the T4A(OAS) or NR4-OAS tax slip to help calculate your income tax, and submit the slip with your income tax return. *If you are a non-resident of Canada for income tax purposes, your OAS pension may be subject to non-resident tax up to a maximum of 25% of the gross benefit amount. The tax rate depends on the country where you live. For more information, contact the Canada Revenue Agency

10 Go online to get your T4A(OAS) or NR4-OAS tax information slips, as well as your T4A(P) or NR4 slips (for CPP) You can use My Service Canada Account to: view your T4A(OAS), NR4-OAS, T4A(P), or NR4 tax information slips on the Internet and print them for your income tax return; and notify us online if you wish to stop receiving your T4A(OAS), NR4-OAS, T4A(P), or NR4 tax information slips by mail. To access the service, visit Instructions on how to use our online services are provided. The Guaranteed Income Supplement, the Allowance, and the Allowance for the Survivor In addition to the OAS pension, seniors with low income may qualify for other incometested benefits, such as the Guaranteed Income Supplement, the Allowance, or the Allowance for the Survivor. To receive these benefits, you must apply. Note These benefits are not considered taxable income. However, you must still report them on your income tax return. What is the Guaranteed Income Supplement? The Guaranteed Income Supplement (GIS) is an additional benefit that may be added to the Old Age Security pension for pensioners living in Canada who have low income. To be eligible to receive the GIS, you must be receiving (or be eligible to receive) the OAS pension and meet the income requirements. To find out whether you qualify for GIS benefits, or for more information on the GIS, visit our Web site at or contact us (see page 22). What are the Allowance and the Allowance for the Survivor? The Allowance and the Allowance for the Survivor are benefits for seniors aged 60 to 64 with low income and living in Canada. These benefits are designed to bridge the gap until they become eligible for the OAS pension. The Allowance is available to the spouses or common-law partners of OAS pensioners. To be eligible, a couple s combined annual income must be less than $30,336* (not including OAS pension amounts). The Allowance for the Survivor is available to a widowed spouse or surviving common-law partner whose annual income is less than $22,080.* * These income figures are valid for January to March They change four times a year in January, April, July, and October

11 To find out whether you qualify for the Allowance or the Allowance for the Survivor, or for more information on these benefits, visit our Web site at or contact us (see page 22). Appealing a decision What if I disagree with a decision? If you disagree with a decision that affects your OAS pension, your Guaranteed Income Supplement, your Allowance, or your Allowance for the Survivor, you have the right to an explanation. If you contact us immediately, we will explain the reasons for our decision. If you are not satisfied with our response, you can ask us to reconsider the decision. To do this, you must send a letter to your Service Canada regional director no later than 90 days after receiving notice of our original decision. The mailing address for your region is on the decision letter. If you are still not satisfied after this reconsideration, you can appeal the decision. If you would like to know more about the appeal process, visit our Web site at or contact us (see page 22). Protecting information about you Who can see the information in my file? Your privacy is protected by law. The Old Age Security Act and Regulations ensure that only specific agencies authorized by the Minister of Human Resources and Skills Development are entitled to review relevant parts of your records. Personal information in your file cannot be given to other agencies or individuals without your consent. The Access to Information Act also prevents the release of information about you without your consent. There are two exceptions: information can be released if it has already been made public, or if the release is allowed under the Privacy Act. The Government of Canada can only use information for the purpose for which it was collected, unless it is using it to comply with a warrant or subpoena, or to enforce a law. Can I see the information in my file? Yes. You have the right to review information about you that is kept on file by the Government of Canada. To help citizens access information about themselves, the Government produces a document called Info Source: Sources of Federal Government Information. To review this information, you must complete an information request form

12 This form and the Info Source document are available on the Internet at You can also access them online at any Service Canada Centre. Can I correct inaccurate or incomplete information or provide information not previously disclosed when I applied for my benefit? Yes. Service Canada s disclosure policy allows individuals to come forward and correct inaccurate or incomplete information, or to disclose information they did not divulge during previous dealings with Service Canada. To be valid, a disclosure must be voluntary, complete, and accurate, and must be given before an investigation has been started by Service Canada. Making a valid disclosure may exempt an individual from penalty or from having the case referred by the Minister to the RCMP for investigation and potential prosecution. If you would like to correct an error or inaccuracy, or if you want to make a voluntary disclosure of a misrepresentation, call Service Canada at O-Canada ( ) or visit a Service Canada Centre for help to begin the process. Other benefits Could I be eligible for other benefits? Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) If you contributed to the CPP and/or the QPP in at least one year since January 1966, you may be eligible for a retirement pension from one plan or the other. You must apply to receive your CPP retirement pension (or your QPP retirement pension). You can apply as early as age 60, but the earlier you take your retirement pension, the less it will be. The later you take it (up to the age of 70 when increases stop), the more it will be. Note Changes to the CPP effective January 2012 may affect you if you are between the ages of 60 and 70, you are working, and you are receiving a CPP (or QPP) benefit. CPP or QPP disability and survivor benefits are also available if you have made sufficient contributions and you meet other eligibility requirements. You must apply to receive any of these benefits. For more information about the CPP, visit our Web site at or contact us (see page 22)

13 For more information about the QPP, contact La Régie des rentes du Québec: On the Web By phone TTY: Employment Insurance You may be eligible for benefits under the Employment Insurance (EI) program. Visit our Web site at or contact us for more information (see page 22). Note Any OAS, Guaranteed Income Supplement (GIS), Allowance, and Allowance for the Survivor benefits you receive are not counted as income when we calculate your OAS benefits. However, any EI, CPP, and QPP benefits you receive are considered to be income and may affect the GIS, Allowance, or Allowance for the Survivor benefit you receive. War Veterans Allowance If you are a veteran, you may be entitled to receive benefits under other federal programs, such as financial assistance under the War Veterans Allowance Act. For more information, call Veterans Affairs Canada at or visit the Web site at Provincial/territorial and municipal programs Your provincial/territorial and municipal governments may offer income assistance and services to seniors. For more information, contact these governments directly. Using My Service Canada Account My Service Canada Account is a secure online service that allows you to: get your OAS and CPP tax slips online instead of waiting for them to come in the mail; sign up for direct deposit and receive your payments faster;* view your most recent payment amounts; view your CPP Statement of Contributions; and change your mailing address.* Visit for more information. * If you live outside Canada, you may only view your direct deposit and mailing address information to verify whether or not it is correct

14 Contact us Click servicecanada.gc.ca Call (toll-free in Canada and the United States) Visit If you have a hearing or speech impairment and use a teletypewriter (TTY): From outside Canada and the United States (collect calls accepted): a Service Canada Centre Note Please have your Social Insurance Number ready when you call. 22

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