Retirement · 40 guides
Pensions, seniors' benefits, and what your parents' generation has to do.
- 🏔How to Get an Ontario Photo Card Without a Driver's LicenceThe Ontario Photo Card is government-issued photo ID for Ontario residents who do not have a driver's licence. This guide covers eligibility, required documents, fees, and where to apply.
- 🏔Renewing an Ontario Driver's Licence at 80 and Over: What Tests Are RequiredIn Ontario, drivers aged 80 and over fall under a separate renewal category, listed by the province as 'Renew your driver's licence: 80 years and over'. This article only restates what the official pages say.
- 🏔Ontario: What Happens to Ontario Works at Age 65? OW, OAS and GIS ExplainedOntario Works (OW) is administered by the Ontario government, while Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) are federal benefits administered by Service Canada. This guide summarizes what each official page states about eligibility, amounts and how to apply.
- 🏔Renting a Room in Ontario as a Senior: How Rental Income Is Reported and Whether It Affects OAS and GISIn Ontario, a senior renting out a room must report the rental income to the CRA. Whether it affects Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) depends on official rules on income reporting. This article only restates what Canadian government pages say.
- Claiming Medical Expenses on Your Tax Return: Eligible Costs and the ThresholdThe Canada Revenue Agency lists eligible medical expenses on lines 33099 and 33199. This guide explains what qualifies, how the threshold is calculated, and what documents are needed.
- 🏔Ontario Probate: How to Apply for an Estate Certificate and How Much Estate Administration Tax You PayIn Ontario, the Estate Administration Tax is charged on the value of an estate when an estate certificate is applied for and issued. This guide, based on Ontario government sources, explains who pays, how the tax is calculated, which assets are included or excluded, and the Estate Information Return filing requirement.
- 🏔Newfoundland and Labrador Seniors' Income Supplements: NL Income Supplement and NL Seniors' Benefit AmountsNewfoundland and Labrador offers two refundable tax credits for low-income individuals, seniors and families: the NL Income Supplement and the NL Seniors' Benefit. This guide summarizes amounts, income thresholds, payment method and application requirements based on the provincial Finance Department page.
- 🏔New Brunswick Low Income Seniors Benefit: Extra Amount for OAS/GIS RecipientsNew Brunswick offers an annual benefit to low-income seniors receiving federal Old Age Security benefits. This article explains the 2026 amount, eligibility, how to apply, and the deadline, based on the official page.
- 🏔Aging at Home in Ontario: How to Apply for Government-Funded Home Care, Meal Delivery and Adult Day ProgramsOntario's Community Support Services help seniors and people with disabilities live at home, offering services such as meal delivery, adult day programs and home help. Some are government-funded and some are fee-based. This guide covers what is offered, whether a referral is needed, and where to apply.
- 🏔Ontario Senior Homeowners' Property Tax Grant: How to ApplyThe Ontario Senior Homeowners' Property Tax Grant is administered by the Ministry of Finance and provides up to $500 to low-to-moderate income senior homeowners. It is applied for through the ON-BEN form when filing taxes.
- 📍Calgary CEIP: Energy-Efficiency Financing for Solar, Heat Pumps and Windows, Repaid via Property TaxThe Residential Clean Energy Improvement Program (CEIP) in Calgary offers eligible homeowners financing of up to $50,000 for energy-efficient upgrades, repaid through the property tax bill. Application intake is currently closed until winter 2026/2027.
- 🏔Alberta Seniors Property Tax Deferral Program: Deferring Property Taxes Until You SellAlberta's Seniors Property Tax Deferral Program allows eligible homeowners aged 65 and older to defer residential property taxes through a low-interest home equity loan from the Government of Alberta. The loan becomes due when the home is sold, ownership changes, or the home is no longer the primary residence.
- Leaving Canada to Resettle Abroad: Departure Tax, Non-Resident Status and Filing TaxesHow the Canada Revenue Agency defines an emigrant and a non-resident, what the departure tax (deemed disposition) covers, and what filing obligations apply in the year of departure and afterwards.
- 🏔Alberta Energy Rebate: Apply Online by October 31Alberta's one-time $100 Alberta Energy Rebate requires an online application through an Alberta.ca Account by October 31, 2026; some provincial benefit recipients are enrolled automatically.
- 🏔BC Home Owner Grant: Apply Each Year to Reduce Your Property TaxThe BC Home Owner Grant reduces the property tax you pay each year on your principal residence. It is administered by the Province of British Columbia and must be applied for every year. This article summarizes the official eligibility rules, grant amounts, assessment thresholds and how to apply.
- 🏔Ontario Seniors Dental Care Program (OSDCP): Who Qualifies and How to ApplyThe Ontario Seniors Dental Care Program (OSDCP) provides free routine dental care for low-income seniors aged 65 and over. This article summarizes the official eligibility rules, income thresholds, application methods and coverage.
- 🏔Ontario Guaranteed Annual Income System (GAINS) for Seniors: How Much Can You Get on Top of OAS/GIS?The Ontario Guaranteed Annual Income System (GAINS) provides a monthly, non-taxable payment to low-income Ontario seniors, on top of federal OAS and GIS. This guide summarizes eligibility, payment amounts, how to apply, and payment dates based on the official Ontario.ca page.
- Can You Receive Old Age Security (OAS) While Living Outside Canada? The 20-Year RuleThe Old Age Security (OAS) pension has separate residency requirements for people living outside Canada: 10 years if you live in Canada, 20 years if you live outside Canada. This guide summarizes the official eligibility rules, income conditions, and why the Guaranteed Income Supplement (GIS) normally stops after you leave the country.
- CPP Survivor's Pension: How Much You Can Receive and How to Apply After a Spouse's DeathThe CPP survivor's pension is a monthly payment paid to the legal spouse or common-law partner of a deceased contributor. This guide covers eligibility, how the amount is calculated, how it combines with other CPP benefits, and how to apply.
- Benefit Payment Dates: Full-Year ScheduleA calendar of payment dates for federal and provincial benefits, including CCB, GST/HST credit, OAS, and more, based on official sources.
- Options for Long-Term Care for ParentsLearn about home, community and long-term care services in Canada, including what they cover, costs, and federal support for certain groups.
- What to Do with Your RRSP at Maturity: Converting to Retirement IncomeLearn about your options for your RRSP when you turn 71, including transferring to a RRIF or annuity, and the tax implications.
- How Canada's Retirement Income Works: OAS, CPP, and Personal SavingsCanada's retirement income comes from government pensions (OAS, CPP) and personal savings. This article explains each benefit based on official government sources.
- Home Accessibility Tax Credit for SeniorsThe federal Home Accessibility Tax Credit (HATC) helps cover costs of renovations that make a home safer and more accessible. This article explains eligibility, eligible expenses, credit amount, and how to claim.
- CPP Early vs Late Retirement: Rules at 60 and 70The standard age to start CPP is 65, with early start at 60 and late start at 70. Payments decrease by 0.6% per month if you start early, and increase by 0.7% per month if you delay. Official rules and links included.
- How to Apply for CPP Retirement PensionThe Canada Pension Plan (CPP) retirement pension requires an application. You can apply online or by mail up to 12 months before your chosen start date. This article summarizes eligibility, required documents, steps, and processing times.
- Do Foreign Work Years Count: International Social Security AgreementsIf you have lived or worked in Canada and another country, you may be eligible for pensions from both countries under a social security agreement. This article explains the basics and how to get more information.
- OAS Pension Clawback: What It Is and How It WorksThe Old Age Security (OAS) pension has a recovery tax: if your net world income exceeds the threshold, you must repay part or all of your pension. This article explains the thresholds, calculation, and filing requirements based on official sources.
- After a Loved One Dies: CPP Death Benefit and Survivor's BenefitsThe Canada Pension Plan (CPP) death benefit is a one-time payment to the estate or eligible individuals on behalf of a deceased contributor. This article explains eligibility, amount, application steps, and official sources.
- 🏔Ontario Drug Benefit: Who Can Get Free Prescription DrugsThe Ontario Drug Benefit (ODB) program helps pay for prescription drugs for seniors 65+, youth 24 and under without private insurance, and others. Learn about eligibility, coverage, and how to apply.
- RRSP Retirement Savings Plan: Contribution Limits, Tax Deduction, and WithdrawalsLearn the basics of the Registered Retirement Savings Plan (RRSP) in Canada, including setting up, contributing, deducting, withdrawing, and tax implications.
- 🏔Special Needs Assistance for Seniors in Alberta: Can Hearing Aids, Appliances, etc. Be Covered?Alberta offers Special Needs Assistance for Seniors covering health supports, personal supports, and appliances/furniture. This article summarizes eligibility, income thresholds, and covered items with official sources.
- 🏔Dental and Optical Assistance for Seniors in AlbertaAlberta offers dental and optical assistance for seniors aged 65+. Learn about eligibility, income limits, coverage, and how to apply.
- 🏔Alberta Seniors Benefit GuideLearn about eligibility, income requirements, application steps, and official sources for the Alberta Seniors Benefit.
- Allowance: A Benefit for Spouses Aged 60-64The Allowance is a monthly tax-free benefit for Canadians aged 60-64 with low income whose spouse is eligible for GIS. Learn about eligibility and application timing.
- Canada Caregiver Credit: Tax Relief for Supporting FamilyThe Canada caregiver credit is a non-refundable tax credit that helps taxpayers who support a spouse or dependant with a mental or physical infirmity. This article covers eligibility, claim amounts, required documents, and how to claim.
- 🏔Renting in Saskatchewan: What Tenants Should KnowThis article summarizes official Saskatchewan government information on residential renting, including security deposits, rent increases, repairs, and ending a tenancy, with links to original sources.
- CPP Retirement Pension: Can You Get It Without Full Contributions, and When to Start?The Canada Pension Plan (CPP) is a monthly taxable benefit. This guide explains eligibility, when to start, and key considerations based on official sources.
- Old Age Security (OAS): How the 10-Year Residency Requirement WorksFor immigrant parents, OAS requires 10 years of residence in Canada; less than 10 years means a partial pension. This guide explains the residency rule, when to apply, and common pitfalls.
- How to Apply for the Guaranteed Income Supplement (GIS) and Its Relationship with OASGIS is a monthly tax-free benefit for low-income seniors 65+. This guide explains eligibility, automatic enrollment, and tax filing requirements.
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