Old Age Security (OAS) & other benefits

There are several different benefits available from the Government of Canada and the Ontario government for senior citizens and older adults.  Please also visit our Canada Pension Plan (CPP) page. 

Old Age Security (OAS), the Guaranteed Income Supplement, and the Allowance/Allowance for the Survivor financial benefits for older adults

The Government of Canada may provide several types of financial benefits to people who are aged 60 years or older and who meet residence requirements. The Old Age Security (OAS) program provides a modest monthly pension, often called the Old Age Pension, for people aged 65 years and older. The OAS program includes the Guaranteed Income Supplement (GIS). The GIS is a form of social assistance for low income Old Age Pensioners and their spouses or partners aged 60 or older. The OAS Allowance and the Allowance for the Survivor may provide monthly benefits for low-income spouses or partners aged 60 or older.

If you think that you may be eligible for OAS, GIS or an Allowance, you should apply as soon as possible. If your application is denied, you can request a reconsideration of the decision within 90 days but you should get legal advice right away (see Getting Legal Help below).

You can get more OAS/GIS information from the Government of Canada: toll-free telephone 1-800-277-9914, TTY toll-free 1-800-255-4786, www.servicecanada.gc.ca/eng/isp/oas/oastoc.shtml

Ontario Guaranteed Annual Income System (GAINS) for Senior Citizens

The Government of Ontario provides the Guaranteed Annual Income System (GAINS) supplement to ensure a minimum income level for Ontario senior citizens aged 65 years or older. You do not need to apply for GAINS because your eligibility is assessed automatically when you apply for the Guaranteed Income Supplement (above).

Here is a link to GAINS information on the Government of Ontario website: www.fin.gov.on.ca/en/credit/gains/.

Getting legal help

The law is complicated, so you should get legal advice about your situation. Contact us for legal advice if you are living with HIV or you can contact your local community legal clinic.