Old Age Security (OAS) pension
Old Age Security (OAS) pension is a program run by Service Canada that gives up to $838.75 a month. You likely qualify if: People 65 or older; Canadian citizen or legal resident; Lived in Canada 10+ years since age 18 (checked on the official page on October 9, 2026).
Up to $838.75 a month
You likely qualify if: People 65 or older; Canadian citizen or legal resident; Lived in Canada 10+ years since age 18.
Next payment October 28, 2026in 19 daysAdd to calendar
Most people are enrolled automatically and get a letter around their 64th birthday. If there is no letter one month after you turn 64, apply. You can apply up to 11 months before you want payments to start, and back payments are limited to 11 months.
Free. Never pay anyone to apply.
ApplySend to someone who needs thisChecked on October 9, 2026 on the official page
We last read this on October 9, 2026. That was a while ago, so please check their own website before you rely on it, and tell us below if something changed.
A monthly federal payment for seniors aged 65 and older who have lived in Canada long enough; for October to December 2026 it is up to $762.50 a month at ages 65 to 74 and up to $838.75 at 75 and over.
Who qualifies
People 65 or older who are Canadian citizens or legal residents and have lived in Canada for at least 10 years since age 18 (20 years if living outside Canada); seniors with 2025 net world income above $93,454 pay back part of it through the recovery tax.
You likely qualify if:
- People 65 or older
- Canadian citizen or legal resident
- Lived in Canada 10+ years since age 18
How to apply
- Apply on their application form.
- Questions? 1-800-277-9914
- Come back here and tell us if it worked.
Where else they are
Their website is canada.ca/.../old-age-security.html.
Good to know
- CostFree
- LanguagesEnglish, French
- Their stepsWatch for an enrolment letter from Service Canada around your 64th birthday; if it comes, you may not need to apply. No letter one month after turning 64: apply online in My Service Canada Account, or fill out form ISP-3550, Application for the OAS and the GIS, and send it to a Service Canada office. Apply up to 11 months before you want payments to start, because late applications get at most 11 months of back pay. Questions: call 1-800-277-9914, Monday to Friday 8:30 am to 4:30 pm.
Did this way in answer?
Talk to a person: 1-800-277-9914
Something wrong? Tell us
What to bring
- No letter by 64 and a month: form ISP-3550
- Where you have lived since age 18
- The date you want your pension to start
- Residence history for the last 2 years
- Income for the last 2 years if you did not file taxes
- Any income earned in another country
- Banking information for direct deposit
From the official page, read October 8, 2026.
Dates
Next payment October 28, 2026.
Most people are enrolled automatically and get a letter around their 64th birthday. If there is no letter one month after you turn 64, apply. You can apply up to 11 months before you want payments to start, and back payments are limited to 11 months.
Something wrong? Tell us
We read all of this on their own website. If something has changed, tell us here. It takes 20 seconds, needs no account, and nothing is deleted: the old fact stays until a person checks yours.