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Canadian retirement benefits & household money
The Saturday Post
Section

Benefits

Old Age Security, the Guaranteed Income Supplement, the Allowance and the provincial programs that sit on top of them.

A couple in their seventies unpacking groceries from paper bags in a bright kitchen.
Lead story

The provincial top-ups that sit on top of OAS and GIS

Ontario, British Columbia, Alberta, Saskatchewan and Manitoba each add something for low-income seniors. Some arrive on their own; one has to be applied for.

· 5 min read
A man of about seventy and a woman in her early sixties talking on the porch of a wooden house in autumn.
What the Allowance pays to spouses between 60 and 64

A little-known part of Old Age Security pays the younger partner of a low-income pensioner before they reach 65. The amounts, the income cut-offs and the catch at 65.

· 5 min read
 A couple in their late sixties on a sofa looking through a box of old family photographs.
How OAS works for people who came to Canada as adults

Old Age Security is paid for years of residence, not years of work. For anyone who arrived after 18, the arithmetic of fortieths decides the amount.

· 5 min read
 A woman around seventy choosing apples from wooden crates at an autumn market.
Why the GST/HST credit still arrives four times a year, now under a new name

Since July 2026 the quarterly payment is called the Canada Groceries and Essentials Benefit. What changed, what did not, and why a tax return is still the key to it.

· 5 min read
The Saturday Post

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