Old Age Security Guide: Eligibility, Payment Dates and Amounts
Old Age Security (OAS) is one of Canada’s largest retirement income programs. Unlike the Canada Pension Plan, OAS is not based on employment history or contributions and is instead funded through general government revenues.
Eligible seniors can receive monthly payments beginning at age 65. Payment amounts may vary depending on years of residency in Canada and annual income.
This guide explains who qualifies for Old Age Security, payment dates for 2026, maximum payment amounts and how to apply.
Old Age Security: Quick Summary
- Old Age Security (OAS) is a monthly pension for eligible seniors.
- Most Canadians can begin receiving OAS at age 65.
- OAS is funded through general tax revenues.
- You do not need to have worked in Canada to qualify.
- Payment amounts are reviewed quarterly.
- High-income seniors may be subject to the OAS Recovery Tax.
- OAS recipients may also qualify for GIS.
- Payments are issued monthly.
What Is Old Age Security?
Old Age Security is a federal retirement pension paid to eligible Canadians aged 65 and older.
Unlike the Canada Pension Plan (CPP), OAS is not based on employment contributions. Eligibility is primarily determined by age and years of residency in Canada.
Who Is Eligible for OAS?
To qualify for Old Age Security while living in Canada, you generally must:
- Be 65 years of age or older.
- Be a Canadian citizen or legal resident.
- Have lived in Canada for at least 10 years after turning 18.
Canadians living outside the country may qualify under separate residency rules.
How Much Is Old Age Security?
OAS payment amounts are reviewed every quarter and may increase with inflation.
| Age Group | Maximum Monthly Amount* |
|---|---|
| 65 to 74 | Approximately $730+ |
| 75 and Older | Approximately $800+ |
*Maximum amounts change periodically and may be adjusted by the Government of Canada.
Old Age Security Payment Dates 2026
OAS payments are usually issued on the same dates as CPP payments.
| Month | Payment Date |
|---|---|
| January | January 28, 2026 |
| February | February 25, 2026 |
| March | March 27, 2026 |
| April | April 28, 2026 |
| May | May 27, 2026 |
| June | June 26, 2026 |
| July | July 29, 2026 |
| August | August 27, 2026 |
| September | September 28, 2026 |
| October | October 28, 2026 |
| November | November 26, 2026 |
| December | December 22, 2026 |
Do You Need to Apply for OAS?
Some Canadians are automatically enrolled in Old Age Security. Others must submit an application through Service Canada.
If you need to apply, Service Canada generally recommends submitting your application approximately six months before turning 65.
Can You Delay OAS?
Yes. Canadians can voluntarily delay receiving OAS for up to 60 months (five years).
Delaying OAS permanently increases monthly payments by approximately 0.6% per month, up to a maximum increase of 36%.
What Is the OAS Clawback?
High-income seniors may be required to repay part or all of their OAS pension through the Old Age Security Recovery Tax, commonly referred to as the OAS clawback.
The income threshold changes annually.
Can You Receive OAS and CPP at the Same Time?
Yes. Many Canadian retirees receive both Old Age Security and Canada Pension Plan benefits simultaneously.
The two programs are completely separate and have different eligibility requirements.
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement is an additional monthly payment available to certain low-income OAS recipients.
GIS is tax-free and is intended to provide additional financial support to seniors with limited income.
Old Age Security Frequently Asked Questions
Is OAS taxable?
Yes. Old Age Security payments are considered taxable income.
Can I receive OAS if I never worked?
Yes. OAS is based on age and residency rather than employment history.
Can I receive OAS while living outside Canada?
Possibly. Eligibility depends on your years of Canadian residency and international social security agreements.
Can I receive OAS and GIS together?
Yes. Eligible low-income seniors may receive both benefits.
Can I delay OAS?
Yes. Delaying OAS can permanently increase your monthly payment amount.
Related Northbly Guides
Official Old Age Security Information
Visit Service Canada to review the latest Old Age Security payment dates, eligibility requirements and application information.
Visit the Official OAS Website
