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Who Is Eligible for the OAP Canada and When Will You Receive the Next Payment?



Who Is Eligible for the OAP Canada and When Will You Receive the Next Payment?

Who Is Eligible for the OAP Canada and When Will You Receive the Next Payment. In Canada, one of the primary sources of retirement income for seniors is the Old Age Pension (OAP) program, also known as government or public pensions.

The primary aim of OAP Canada is to provide predictability in retirement income for Canadians. Various pension schemes exist, some age- or contribution-based, while others depend on retirement income sources such as personal savings, business pension plans, and employment wages.

OAP Canada Eligibility

OAP Canada Age Requirement

If you are 65 years or older, you are eligible for the Old Age Security (OAS), a monthly income under OAP Canada. The majority of the pension amount is determined by your length of Canadian residency, and you may receive a notification from the Government of Canada (GOC) about your eligibility.

Application Process for OAP Canada 2023

To determine if you need to apply for OAP Canada in 2023, contact Service Canada the month after your 64th birthday if you haven’t received a notification. Meeting specific requirements, such as being 65 or older, a citizen or lawful resident, and having lived in Canada for at least 10 years since turning 18, is necessary for qualification.

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Residency and Partial Payments

If you have lived in Canada for 40 years from the age of 18, you qualify for the full old age pension sum. Partial payments are available for those with less than 40 years of residency, with a minimum requirement of 10 years.


Old Age Pension Canada 2023-24 Eligibility Criteria

To qualify for the Old Age Pension:

If You Reside in Canada

  • Citizenship or lawful residency is required.
  • Must have lived in Canada for at least ten years since the age of 18.

If You Don’t Reside in Canada

  1. Citizenship or lawful residency is required at the time of departure.
  2. Must have lived in Canada for at least twenty years since the age of 18.

Additional Eligibility Considerations

  • Even if you don’t meet the residence criteria, you may still be eligible if:
  • You lived in a country with a social security agreement with Canada.
  • You helped create a Social Security System (SSS) in a country with a Social Security Agreement (SSA) with Canada.

Old Age Pension Increase in 2023-24

The Consumer Price Index (CPI) is used to adjust Old Age Pension payments in Canada. Unlike the Canada Pension Plan (CPP), OAP benefits are evaluated four times a year to ensure they account for rising living expenses.

Maximizing Old Age Pension Benefits

One significant advantage of OAP is its flexibility. By choosing the right time to begin receiving benefits, you can maximize your monthly payouts. Delaying benefits until age 70 is a common strategy.

When is the Next Payment for OAP Canada?

Your first payment is scheduled for the month following your 65th birthday. OAP payments are subject to taxes, and adjustments are made in January, April, July, and October based on the Consumer Price Index. Importantly, OAP payments do not decrease even if living expenses decline.

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OAP Canada Payment for Seniors Over 65

If you are already over 65, you can qualify for OAP Canada payments for a maximum of 11 months from the date of application submission. Additionally, seniors aged 75 and older received a permanent 10% increase in the old age pension as of July 2022.


Old Age Pension Canada eligibility is crucial for securing a stable retirement income. With payment adjustments based on living expenses, seniors can make informed decisions to maximize benefits and ensure financial well-being in their golden years.

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