At age 65 in Canada, the federal pension stack — OAS + GIS + CPP — pays a low-income single senior up to $32,000+ a year tax-free or partially taxable, before any provincial top-ups.
← Back to all Canadian government benefitsMonthly pension. Need 10+ years in Canada after age 18. Clawback starts at $93,454.
View payment dates →$727.67/mo (65–74) · $800.44/mo (75+)
Top-up for low-income OAS recipients. Single income limit ~$22,056. Tax-free.
More on Canada.ca →Up to $1,086.88/mo single
For low-income spouses/survivors aged 60–64 of OAS recipients.
More on Canada.ca →Up to $1,381.90/mo
Based on your contributions. Take early at 60 (reduced 36%) or late at 70 (boosted 42%).
View payment dates →Up to $1,433.00/mo at 65
Free dental <$70K family
| Province | Program | Amount |
|---|---|---|
| British Columbia | SAFER (rent supplement) | Up to $930/mo rent help |
| Ontario | GAINS (Guaranteed Annual Income System) | Up to $87/mo top-up to GIS |
| Alberta | Alberta Seniors Benefit | Up to $3,431/yr |
| Quebec | Senior Assistance Tax Credit | Up to $4,000/couple |
| Saskatchewan | Saskatchewan Senior Income Plan | Up to $360/mo |
| New Brunswick | Low-Income Seniors Benefit | $600/yr |
| Nova Scotia | Property Tax Rebate for Seniors | Up to $800/yr |
| Manitoba | 55+ Program | Up to $161/mo couple |
| Newfoundland & Labrador | Low-Income Seniors Benefit | Up to $1,610/yr |
| PEI | Senior Citizen Heating Cost Rebate | Up to $200/yr |