Program · Federal
Old Age Security (OAS)
Residency-based federal benefit. Start as early as 65, defer up to 70 for 36% more. Clawed back above a net-income threshold.
Eligibility
- 65 or older
- Canadian citizen or legal resident at approval
- Minimum 10 years of residency in Canada after age 18 for any OAS
- Minimum 40 years for full OAS
Limits and rules
- 2026 maximum monthly benefit at 65 (age 65-74): ~$727 (verify)
- Clawback threshold: $90,997 net income for 2026 (verify)
- Full clawback at approximately $148,451 net income (age 65-74, 2026)