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Old Age Security payment amounts

From: Employment and Social Development Canada

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Old Age Security (OAS) pension and benefits

Your Old Age Security pension amount is determined by how long you have lived in Canada after the age of 18. 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).

In addition to the Old Age Security pension, there are 3 other benefits available under the Old Age Security program:

  • the Guaranteed Income Supplement
  • the Allowance
  • the Allowance for the Survivor

Payment amounts for these benefits are based on your age, marital status and level of income. They 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.

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.

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Maximum payments and income thresholds - July to September 2023

If you are receiving a partial OAS pension

If you are receiving a partial Old Age Security pension, you should contact us for more information about your OAS pension, Guaranteed Income Supplement or your spouse or common-law partner’s Allowance payment amounts.

If you are receiving a full OAS pension

Old Age Security (OAS) pension amounts - July to September 2023
Age Maximum monthly payment amount Your annual net world income in 2022 must be
65 to 74 $698.60 Less than $134,626
75 and over $768.46 Less than $137,331

Guaranteed Income Supplement (GIS) amounts - July to September 2023

If you are a single, widowed or divorced pensioner
Your situation Maximum monthly payment amount Your annual income must be
If you are a single, widowed or divorced pensioner $1,043.45 Less than $21,168
 If you have a spouse or common-law partner
Your situation Maximum monthly payment amount Your annual income plus the annual income of your spouse/common-law partner must be
If your spouse/common-law partner receives the full OAS pension $628.09 Less than $27,984
If your spouse/common-law partner receives the Allowance $628.09 Less than $39,168
If your spouse/common-law partner does not receive an OAS pension or Allowance $1,043.45 Less than $50,736
Allowance amounts – July to September 2023
Your situation Maximum monthly payment amount Your annual income plus the annual income of your spouse/common-law partner must be
If your spouse/common-law partner receives the GIS and the full OAS pension $1,326.69 Less than $39,168
Allowance for the Survivor amounts - July to September 2023
Your situation Maximum monthly payment amount Your annual income must be
If you are a surviving spouse or common-law partner $1,581.51 Less than $28,512

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.

Benefit payment tables based on income - July to September 2023

The following tables of amounts (updated quarterly) will show you the amount of your monthly benefit.
Choose the benefit table that best describes your personal situation based on your:

  • marital status
  • annual income level (from the previous year)

Printable version in PDF format (5.48 MB, 103 pages)

Guaranteed Income Supplement

Table 1: If you are single, surviving spouse/common-law partner or divorced pensioners receiving a full Old Age Security pension

Select your annual income range:

Table 2: If you are married or common-law partners, both receiving a full Old Age Security pension

Select your combined annual income range:

Table 3: If you are receiving a full Old Age Security pension whose spouse or common-law partner does not receive an OAS pension

Select your combined annual income range:

Guaranteed Income Supplement and Allowance

Table 4: If you are receiving a full Old Age Security pension and your spouse or common-law partner is aged 60 to 64

Select your combined annual income range:

Allowance for the Survivor

Table 5: If you are a surviving spouse or common-law partner aged 60 to 64 who has not re-married or entered into a common-law partnership

Select your annual income range:

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 1.1% for the July to September 2023 quarter, compared to the previous quarter (from April to June 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 July to September 2023 amount

The calculation of the July to September 2023 amount is based on the CPI for the months of February, March and April 2023, on the one hand, and the months of November 2022, December 2022 and January 2023, on the other hand.

On the one hand, the most recent period for which the CPI is available is February, March and April 2023. The average CPI for this period is 155.4.

Most recent 3-month period
Most recent 3-month period CPI
February 2023 154.5
March 2023 155.3
April 2023 156.4
The average for the 3-month period 155.4

On the other hand, the last period where a CPI increase led to an increase in OAS benefit amounts is November 2022, December 2022 and January 2023. The average CPI for this period is 153.7.

Last 3-month period where an increase in the CPI led to an increase in OAS benefit amounts
Last 3-month period CPI
November 2022 154.0
December 2022 153.1
January 2023 153.9
The average for the 3-month period 153.7

The difference between the 2 periods represents an increase of 1.1%.

This is calculated as 155.4 minus 153.7, divided by 153.7.

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