Government Benefits, Programs and Services - federal and provincial/territorial
How much money do you need to retire?
Old Age Security Pension (OAS) - may be available to Canadians living outside Canada
Old Age Security Pension Clawback - and how capital gains can increase the clawback, even if they are completely eliminated by capital losses carried forward
Guaranteed Income Supplement (GIS) for Canadian seniors, the Allowance, and the Allowance for the Survivor
Canada Pension Plan (CPP) Retirement Pension
CPP retirement pension rules, including recent changes
CPP Survivor Benefits (not just for seniors)
CPP Disability Benefit (not just for seniors)
Child Rearing Drop-out - Did you stay home to raise young children? Make sure you apply for this when you apply for any CPP benefits.
Quebec Pension Plan (QPP) on Quebec Pension Board website
Government Benefits, Programs and Services in Canada
Age amount tax credit (reduced when income exceeds threshold)
Attendant care expenses paid to a retirement home
Amount for an eligible dependent - A single person can claim a tax credit for a dependent child, grandchild, sibling, parent or grandparent.
Capital Gains Can Increase Your OAS Clawback - even if you have capital losses carried forward that will completely eliminate the capital gains.
Caregiver amount tax credit may be available if (dependent or non-dependent) parent or grandparent (over 65) lives with you, or if a dependent relative lives with you.
Pension income amount tax credit
Non-Refundable Tax Credits and Refundable Tax Credits on the Filing Your Return page for other available tax credits.
Home Renovation and Home Accessibility Tax Credits
Service for Seniors Telefile - discontinued in 2012
Access your Old Age Security (OAS) and Canada Pension Plan (CPP) tax slips online.
You might save tax by sharing your CPP retirement pension with your spouse.
Tax Comparison of Canadian Dividends vs Other Income for Seniors
Revised: September 27, 2025