Pension Arena

Eligibility & Benefits Explained

Uncover the specific requirements you need to meet for each Canadian pension program and discover the benefits designed to support your retirement.

Check Your Eligibility

Who Qualifies?

  • Age Requirements: Most programs begin at age 60–65; CPP and OAS have distinct age thresholds.
  • Residency: OAS requires at least 10 years of residency in Canada after age 18. CPP is based on contributions during your working years.
  • Contribution History: For CPP, you must have made valid contributions. OAS and GIS are based on residency and income.

Benefit Details

  • Benefit Amounts: Vary based on your work history, contributions, and income. Our advisors can estimate your potential payments.
  • Payment Schedules: Most benefits are paid monthly, directly to your bank account.
  • Tax Implications: Some benefits are taxable (e.g., CPP, OAS), while supplements like GIS may be non-taxable. We clarify what you need to report.