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Sample Pension

Below are samples of OAS, GIS, and Spouse Allowance per year (based on rates January 2010) for pensioners with little or no income, e.g. single person with annual income less than $15,672, couples with combined income less than $20,688, or $37,584 in some cases. Some figures are off by 1 due to rounding.


Single Canadian at age 65:

Years living in Canada
10
20
30
40 and above
OAS
1551
3102
4653
6204
GIS
7830
7830
7830
7830
Total
9381
10932
12483
14034

 

Married couple both at age 65:

Years living in Canada
10
20
30
40 and above
Pensioner OAS
1551
3102
4653
6204
Pensioner GIS
5171
5171
5171
5171
Pensioner Total
6722
8273
9823
11374
Spouse OAS
1551
3102
4653
6204
Spouse GIS
5171
5171
5171
5171
Spouse Total
6722
8273
9823
11374
Family Total
13443
16545
19647
22749

 

Married couple, pensioner at age 65 and spouse at 59 or younger (spouse pension not yet started):

Years living in Canada
10
20
30
40 and above
Pensioner OAS
1551
3102
4653
6204
Pensioner GIS
7830
7830
7830
7830
Family Total
9381
10932
12483
14034

 

Married couple, pensioner at age 65 and spouse at age 60-64 (spouse allowance kicks in, spouse pension not yet started):

Years living in Canada
10
20
30
40 and above
Pensioner OAS
1551
3102
4653
6204
Pensioner GIS
5171
5171
5171
5171
Pensioner Total
6722
8273
9823
11374
Spouse Allowance
11374
11374
11374
11374
Family Total
18096
19647
21198
22749

 

 


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