What public retirement benefits might apply?

OAS amounts are adjusted periodically and can differ by age group. Your actual payment also depends on years of Canadian residence after age 18 and can be reduced by the OAS recovery tax at higher income levels.

GIS is income-tested and depends on marital status, household income and whether a spouse or partner receives OAS or another benefit. Maximum amounts change over time, so the applicable benefit period matters.

Eligibility depends on annual income thresholds that vary by marital status and a spouse or partner’s circumstances. Some income is treated differently under program rules, so taxable income alone does not always tell the full story.

The OAS recovery tax begins once net income exceeds the annual threshold for the applicable tax year. The threshold is indexed, so it should be checked for the year being modeled rather than treated as permanent.

Yes. GIS is specifically an income-tested supplement for eligible low-income OAS pensioners. A person can therefore receive OAS plus GIS when age, residency and income requirements are met.