Canada’s public pension system provides seniors with a secure, modest base of retirement income. The two main programs are Old Age Security and Canada Pension Plan. Benefits offered by these programs are not automatic, you must apply for them.
Old Age Security (OAS) Program
If you are 65 or older and meet the Canadian residence requirements, you are entitled to the Old Age Security pension. You should apply at least six months before you turn 65. If you lived in Canada, but now live in another country, you may still be eligible.
For more information regarding the Old Age Security Program and how to apply, please visit www.servicecanada.gc.ca/en/audiences/seniors/index.shtml, or call toll-free 1-800-277-9914.
Canada Pension Plan (CPP)
If you have contributed to the Canadian Pension Plan, are at least 65 years, or are between 60-64 years and meet the legislated earning requirements, you are entitled to a retirement pension.
Canada Pension Plan replaces part of earnings lost because of retirement, disability or death. It covers all employed and self-employed people in Canada.
For more information regarding the Canada Pension Plan and your eligibility, please visit www.servicecanada.gc.ca/en/sc/cpp/retirement/canadapension.shtml, or call toll-free 1-800-277-9914.
You must apply for these benefits. You should apply at least six months before you want to receive them.
*Please be advised that our office does not fill out applications.
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