Seniors Canada On-line
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Canada's Trusted Information Source for Seniors, Caregivers, Families and Service Providers.
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Home Page
Finances and Pension
Pension
Retirement Pension
Popular Links
Credit Splitting Upon Divorce or Separation, Canada Pension Plan
The Canada Pension Plan recognizes that in a legal marriage or common-law relationship, both spouses or common-law partners share in the building of their assets and entitlements. Among these are Canada Pension Plan pension credits. When a relationship ends, the Canada Pension Plan pension credits which the couple built up during the time they lived together can be divided equally between them. This division is called "credit splitting". 'Partner' refers to either same-sex or opposite-sex common-law partner, or the person to whom you are married.
Source : Social Development Canada
Old Age Security Pension
The Old Age Security pension is a monthly payment available to most Canadians aged 65 or older. You must apply to receive benefits. If you meet the eligibility requirements explained below, you may be entitled to receive the Old Age Security pension even if you are still working or have never worked.
Source : Service Canada
Contact Information :
- Toll-Free Telephone: 1 800 277-9914
- TTY Telephone: 1 800 255-4786
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Application :
Required Documentation :
- Birth Certificate
- Citizenship Status
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Opening Hours :
Monday to Friday from 8:30 am to 4:30 pm and from 9:00 am to 5:00 pm in Newfoundland
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Additional Information :
You should apply for the Old Age Security pension six months before you turn 65.
Please have your Social Insurance Number on hand when you call.
Payment dates
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Ontario
Canada Benefits: I am a senior in Ontario
This Canada Benefits Web site provides an overview of all government benefit programs and services concerning seniors in Ontario.
Source : Government of Canada.
Contact Information :
- Toll-free: 1 800 O-Canada (1 800 622 6232)
- TTY: 1 800 465-7735
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E-Mail :
canadabenefits@canada.gc.ca
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Postal Address :
Public Works and Government Services
Ottawa (Ontario) K1A 0S5
CANADA
ATTN: CANADA SITE - Canada Benefits
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Getting Ready to Retire
Are you getting ready to retire? There are some things you need to know:
Source : Government of Ontario
Pension Forms
Pension forms available on-line from the Financial Services Commission of Ontario.
Source : Financial Services Commission of Ontario
Contact Information :
- Toll-free: 1-800-668-0128
- Telephone: 416-226-7776
- Fax: 416-226-7777
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E-Mail :
contactcentre@fsco.gov.on.ca
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Business Address :
Financial Services Commission of Ontario (FSCO)
Pension Division
5160 Yonge Street
P.O. Box 85, 4th floor
Toronto, Ontario, M2N 6L9
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Canada
Allowance Program
The Allowance is a monthly benefit for low-income seniors (aged 60-64) whose spouse or common-law partner is eligible for, or currently receiving, the Old Age Security (OAS) pension and the Guaranteed Income Supplement.
Source : Service Canada, Processing and Operations
Allowance Program
If you are between 60 and 64, and your spouse or common-law (same sex or opposite sex) partner receives the Guaranteed Income Supplement, you may be eligible for the Allowance. The Allowance is a monthly benefit that helps bridge the income gap until you reach 65.
Source : Social Development Canada
Are You Living in a Same-Sex or Opposite-Sex Common-Law Relationship?
Information on changes to Old Age Security and the Canada Pension Plan affecting same-sex or opposite-sex common-law partners.
Source : Human Resources and Skills Development Canada
Canada Benefits
The Canada Benefits Web site provides an overview of all Government of Canada financial benefit programs for individuals. You can find information about government student loans, the public pension plan, employment insurance, housing assistance, and payments or financial assistance to parents, immigrants, refugees, disabled individuals, Veterans, athletes and artists.
Source : Government of Canada.
Canada Benefits: I am a senior in Prince Edward Island
This Canada Benefits Web site provides an overview of all government benefit programs and services concerning seniors in Prince Edward Island.
Source : Government of Canada
Canada Pension Plan Forms
Canada Pension Plan forms listed by title.
Source : Social Development Canada
Canada Pension Plan Retirement Application
This online service allows you to apply for a Canada Pension Plan Retirement (CPP RTR) pension.
Source : Social Development Canada
Contact Information :
- Tool-Free Telephone: 1 877 454-4051
- TTY Service: 1 800 255-4786
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Additional Information :
Agents are ready to answer your questions Monday to Friday from 8:30 am to 4:30 pm local time and from 9:00 am to 5:00 pm in Newfoundland. Please have your Canadian Social Insurance Number ready.
To use this online service, you must...
- be at least 59 years of age;
- have contributed to the CPP;
- want your retirement pension payments to begin within one year from today;
- have access to a printer; and,
- use a computer that meets our minimum computer requirements.
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Canadian Forces Pension
Provides information regarding pay and allowances to military members on retirement leave; payment of Pension benefits, payment of Severance pay, payment of the Supplementary Death Benefit And the administration of all pension legislation applicable to Members of the Forces under the Canadian Forces Superannuation Act (CFSA).
Source : Department of National Defence
Canadian Government Annuities Plan
An overview of the plans administered by the Annuities Branch, including a brief history of the Canadian Government Annuities, the available forms to annuitants and employers and the annual report.
Source : Human Resources and Skills Development Canada
Contact Information :
- Toll-Free: 1 800 561-7922
- Bathurst: 1 506 548-7972
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Application :
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Canadian Retirement Income Calculator
The Government of Canada has developed this calculator to help you plan for retirement. The calculator takes you step by step through an estimate of the ongoing income you will receive throughout your retirement.
Source : Human Resources Development Canada
Cancellation of Pension Sharing for Canada Pension Plan Retirement Pension(s) (PDF)
This site provides you with a form to end a pension sharing arrangement with your spouse or common-law partner.
Source : Human Resources Development Canada
Child Rearing Drop-Out Provision
The CPP has several provisions built in to protect your benefit from periods of low earnings. One is called the "child rearing drop-out provision" or CRDO.
Source : Social Development Canada
Contact Income Security Programs
This Web page provides information on contacting Social Development Canada by phone, mail, e-mail and in person.
Source : Social Development Canada
CPP Investment Board
Our job is to invest CPP contributions that are not required to pay current benefits, in a way that maximizes returns without undue risk. The money that we invest today will be needed by the Canada Pension Plan to help pay the pensions of working Canadians who will begin retiring 17 years from now.
Source : CPP Investment Board
Facts about the Child Rearing Drop-out Provision, Canada Pension Plan
This Web page gives information on the Child Rearing Drop-out Provision. Months of low or zero earnings spent caring for your child under the age of seven may be excluded from the calculation of your pension. This ensures that reduced earnings during the first seven years of your child's life will not result in lower pension benefits in the future.
Source : Service Canada
Federal Public Service Pension Plan
The Superannuation Directorate is the primary office responsible for the administration of the pension plan for federal public service employees, the Public Service Superannuation Act (PSSA).
Federal Superannuates National Association (FSNA)
The Federal Superannuates National Association represents the interests of pensioners from the Federal Public Service (including Government agencies/Crown corporations), Canadian Forces and the Royal Canadian Mounted Police.
Guaranteed Income Supplement (GIS)
The Guaranteed Income Supplement provides additional money, on top of the Old Age Security pension, to low-income seniors living in Canada. To be eligible for the GIS benefit, you must be receiving the Old Age Security pension and meet the income requirements explained on this Web page.
Source : Social Development Canada
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Contact Information :
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Application :
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To be eligible, you must also be receiving :
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Home Buyers' Plan (HBP)
Information about the Home Buyers' Plan, which allows you to withdraw funds from your RRSP to buy or build a qualifying home.
Source : Canada Revenue Agency
Contact Information :
- Toll-Free: 1 888 203-4305
- TTY: 1 800 665-0354
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Application :
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Income Security Programs Forms Listed by Title
These forms will allow you to apply for benefits under Canada's various retirement income programs.
Source : Social Development Canada
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