Seniors' Benefits: CPP, OAS and GIS
How CPP, OAS and GIS work, how much they pay and how to apply.
The Canada Pension Plan, Old Age Security and the Guaranteed Income Supplement are the foundation of most Canadian retirements. This hub is for seniors and near-seniors who want to know what they'll get, when, and how to apply.
Start with how much CPP you'll get and OAS eligibility and deferral, then the stacking guides that show how other income affects OAS and GIS. Amounts and thresholds link to Canada.ca for the period named, because OAS and GIS amounts are adjusted during the year.
When to start CPP and OAS is a retirement strategy question; see the CPP and OAS timing hub in Retirement.
What this hub helps you decide:
- How much CPP will I get?
- Am I eligible for OAS, and should I defer it?
- Do I qualify for GIS?
- How does my other income affect these benefits?
Updated November 2026 · 4 guides by Andrew
Start here
- How Much CPP Will I Get? Estimating Your Pension With My Service Canada
- OAS Eligibility, Deferral, and the Age-75 Increase
- CPP Timing When Other Benefits Are in the Stack
- OAS and GIS When Household Income Stacks
New to government benefits? Read the overview first: Canadian Government Benefits Guide (2026): Every Major Program and Who Qualifies.
All Seniors: CPP, OAS & GIS guides
How Much CPP Will I Get? Estimating Your Pension With My Service Canada
CPP starting in January 2026 pays at most $1,507.65 a month at age 65. New beneficiaries average $877.01. Use your Service Canada estimate.
OAS Eligibility, Deferral, and the Age-75 Increase
For July to September 2026, full OAS is $751.97 a month from 65 to 74 and $827.17 from 75. Deferral adds 0.6% a month, up to 36% at 70, which is $1,022.68 on that quarter maximum.
OAS and GIS When Household Income Stacks
OAS recovery is an individual net-income test. GIS is a household test with different exclusions. The withdrawal that fixes one can feed the other.
CPP Timing When Other Benefits Are in the Stack
Delaying CPP raises the pension. It can also raise the income that OAS recovery, GIS, a survivor combination, and household tax are already watching.