Old Age Security (OAS) is a monthly benefit, the amount determined by how ong the person receiving the benefit has lived in Canada. It is considered taxable income.
Guaranteed Income Supplement (GIS) is a supplement added monthly to Old Age Security for those with limited or no income. It must be re-applied for annually, and is not payable outside Canada beyond a period of 6 months regardless of how long the person lived in Canada.
Allowance is a monthly allowance for spouses 60-64 years old of Old Age Security pensioners receiving Guaranteed Income Supplement. It is based on the combined income of the couple.
Allowance for the Survivor is a monthly allowance for widowed spouses 60-64 years of age, who have not remarried or entered a common-law relationship. It is based on limited or no income.
Visit the website for specific age requirements and other qualifications. Canada has reciprocal social security agreements with many other countries, see website for details.
Some eligible seniors will be automatically enrolled in the OAS Program, they will receive notification from Service Canada a month after they turn 64.
Seniors who do not receive this notification can complete an application online, by phone, or in person at Service Canada locations.