Old Age Security Benefits
and Canada Pension Plan
Service Canada
Service Canada was created in 2005 to improve the
delivery of government programs and services to
Canadians, by making access to them faster, easier, and
more convenient.
Service Canada offers single-window access to a wide
range of Government of Canada programs and servics for
citizens through more than 600 points of service located
across the country, call centres and the Internet.
Call Click Visit
My Service Canada Account
Statement of Contributions
Is mailed regularly to
contributors
View and print it from
“My Service Canada
Account”
Can be mailed to you
upon request
Canada’s Retirement Income System
Old Age Security Benefits
Old Age Security Pension (OAS)
Guaranteed Income Supplement (GIS)
Allowance
Allowance for the Survivor
Changes to the OAS
The Government of Canada has introduced:
Measures that gradually increase the age of eligibility for
the OAS pension and GIS between the years 2023 and
2029 from 65 to 67,
A voluntary deferral of the OAS pension, and
Proactive enrollment in OAS and GIS.
People currently receiving OAS benefits will not be
affected!
OAS Pension
You may qualify for a full OAS pension if:
You have resided in Canada for at least 40 years after
age 18 and before your application is approved; or
Meet the 10 year residency rule.
If you cannot meet the requirements for the full OAS
pension you many qualify for a partial OAS pension if:
You have resided in Canada for at least 10 years after
the age of 18.
International Social Security Agreements
Co-ordinates the pension programs of the two countries if
you have lived in both countries to:
Make it easier for you, if you have lived and/or worked in
Canada to qualify for the OAS benefits.
Make it easier for you, if you have lived and/or worked
abroad to qualify for foreign benefits.
Portability
To receive OAS outside of Canada you must:
Have 20 years of residence in Canada after age 18; or
Meet the 20 year residence requirement through an
International Social Security Agreement.
The GIS, Allowance, and the Allowance for the Survivor
may only be paid outside of Canada for the month of
departure and following 6 months.
Incarceration
Incarceration in a federal penitentiary of a provincial or
territorial correctional facility can:
Result in the suspension of OAS benefits.
Have an impact on benefits payable to the spouse or
common-law partner
Reconsideration & Appeal Process
Reconsideration
Appeal to the Office of
the Commissioner of
Review Tribunals
Canada Pension Plan (CPP)
CPP is a mandatory program
Began in January 1966
Employment-based contributions
Payable outside of Canada
Québec has a program with similar benefits (QPP)
CPP Benefits
Retirement pension
Post Retirement benefit
Disability benefit
Children’s benefit
Survivor benefits
Death benefit
Survivor’s pension
Children’s benefit
CPP Retirement Pension
The CPP retirement pension is a monthly taxable benefit
paid to people who have contributed to the CPP.
Age Requirements
Minimum contribution requirements
Payments
Actuarial Factors
Provisions
Applying
Child Rearing Provision
You or your spouse/common-law partner received
Family Allowance payment or were eligible for the Child
Tax Benefit (even if you did not receive the benefit; and
Your earnings were lower than your career average
because you were the primary caregiver of a dependent
child under the age of seven who was born after
December 31, 1958.
Pension Sharing/Credit Splitting
Pension Sharing Credit Splitting
For couples that are at least 60
years of age and apply for or “Credits” may be divided upon
receive CPP. divorce, legal annulment or
If there is a difference in the separation of partner.
amount you each receive, you “Credit Splitting” may create
can request to share your future eligibility or
pension. increase/decrease entitlement
If only one of you is a CPP to CPP benefits.
contributor, you share that one
pension.
The overall benefits paid do not
increase or decrease with
pension sharing.
Post-Retirement Benefit
If you already receive a CPP retirement pension and you
work, you may become eligible for the Post-Retirement
Benefit. This benefit allows you to receive an additional
CPP retirement benefit by making further contributions to
the CPP.
Under age 65: contributions are mandatory
65 but under 70: optional. If you choose not to
contribute, you must complete the Canada Revenue
Agency form Election to stop contributing to the CPP or
Revocation of a prior election (CPT 30).
70 or older: you no longer make contributions to CPP
even if you are working.
CPP Disability Benefits
For CPP contributors who cannot work at any job due to a
“severe” and “prolonged” mental or physical disability.
Eligibility
Age
Contributions and medical requirements
Application procedures
Late applicant provision
Children’s benefits are payable to the dependent child of a
disability recipient.
Survivor’s Benefits
Death Benefit
Survivor’s Pension
Children’s Benefits
Eligibility Criteria
Application Procedures
Pay Entitlement
Reconsideration and Appeal Process
Reconsideration
Appeal to the Office of the Commissioner of
Review Tribunal (OCRT)
Appeal to the Pension Appeal Board (PAB)
Privacy and Protection of Personal
Information
Personal information that you give to Service Canada
will not be released without your consent.
To release your CPP or OAS information to a third
party you must complete, sign and submit the
“Consent to Communicate Information to an
Authorized Person” form.
CPP/OAS Penalties
Under the CPP and OAS Acts, an administrative
monetary penalty and interest can be imposed if a
beneficiary makes a false of misleading statement.
This new provision meant to discourage
misrepresentation came into force April 1, 2010 and was
applied as of October 1, 2010.
Responsibilities of the Beneficiary
Be informed
Apply in writing
Provide required documents
Report income annually
Report any absences from Canada
Advise Service Canada of any changes in life
circumstances
For More Information:
Call CPP/OAS Call Centre
1-800-277-9914 (English)
1-800-255-4786 (TTY)
General ~ 1-800-O-Canada
Click www.servicecanada.gc.ca
Visit a Service Canada office
• Go to servicecanada.gc.ca
• Select “Find a Service Canada
Office” for a list of all offices
The information contained in this presentation is considered current as of August 15/2012
