Seniors Benefits Canada — Quick Reference

Verified 2026-10-07 against official sources, linked throughout. Amounts marked Oct–Dec 2026 are the current quarterly federal figures; GAINS 2026 is the current benefit year. Not legal advice.

🔎 These programs stack. You can receive OAS + GIS + GAINS together, and CPP Disability alongside them if you are under 65.

Old Age Security (OAS) — Canada-wide

• Age: 65+. Residency: 10 years in Canada since 18 (20 if abroad).
• Maximum, Oct–Dec 2026: 65–74 $762.50/mo; 75+ $838.75/mo (permanently +10% since Jul 2022).
• Taxable. Recovery tax above 2025 net world income $93,454. Indexed quarterly (up only).
• Apply: usually automatic after 64th birthday; else My Service Canada Account.
• Appeal: reconsideration within 90 days (form ISP-3134) → Social Security Tribunal of Canada.
• OAS — Canada.ca

Guaranteed Income Supplement (GIS) — Canada-wide

• Tax-free top-up; you must receive OAS.
• Maximum, Oct–Dec 2026: single/widowed/divorced $1,138.90/mo; spouse gets full OAS or Allowance $685.56/mo; spouse gets no OAS/Allowance $1,138.90/mo.
• File taxes every year or GIS stops/drops.
• GIS — Canada.ca

The Allowance — Canada-wide

• Ages 60–64, low income, spouse receives GIS.
• Maximum, Oct–Dec 2026: up to $1,428.06/mo (spouse receives GIS and full OAS).
• Apply 6–11 months before turning 60.
• Allowance — Canada.ca

CPP Disability — for under 65

• Over 18 and under 65, severe/prolonged disability preventing substantially all work.
• Maximum (2026): $1,741.20/mo; average (Jul 2026) $1,236.32.
• Appeal: reconsideration (form ISP-1145) → SST General Division within 90 days.
• Converts to CPP retirement pension at 65.
• CPP Disability — Canada.ca · SST

GAINS — Ontario top-up

• Age 65+, Ontario resident, receiving OAS and GIS, private income ≤ $4,416 (single) / ≤ $8,832 (couple).
• Maximum 2026 benefit year (Jul 1 2026–Jun 30 2027): up to $92/mo (single) / $184/mo (couple). Non-taxable.
• Automatic if OAS+GIS; file taxes yearly.
• Appeal: Notice of Objection within 90 days to Ontario Ministry of Finance (1-866-668-8297).
• GAINS — ontario.ca

Long-term care, capacity & CCB

• Consent and Capacity Board (CCB) — capacity, consent to treatment, committal, findings of incapacity to make LTC decisions: ccboard.on.ca (note: not under tribunalsontario.ca — that slug is dead).
• LTC home placement/admission appeals — Health Services Appeal and Review Board (HSARB), administered within Tribunals Ontario; confirm the assigned tribunal.
• Free elder-law help: Advocacy Centre for the Elderly acelaw.ca.

Full plain-language walkthrough: Seniors Benefits guide. Fill-in appeal letter: Senior Benefits Appeal template.