{"id":87,"date":"2026-07-19T22:13:24","date_gmt":"2026-07-20T02:13:24","guid":{"rendered":"https:\/\/mytaxservices.ca\/benefits\/2026\/07\/19\/benefits-and-credits-for-adults\/"},"modified":"2026-07-19T22:15:49","modified_gmt":"2026-07-20T02:15:49","slug":"benefits-and-credits-for-adults","status":"publish","type":"post","link":"https:\/\/mytaxservices.ca\/benefits\/2026\/07\/19\/benefits-and-credits-for-adults\/","title":{"rendered":"CRA Benefits and Credits for Adults 65 and Older"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Many older Canadians wonder which government payments they qualify for once they turn 65. Understanding benefits and credits for adults 65 and older can feel confusing, especially with so many programs, forms, and deadlines. This guide breaks down the income sources, tax credits, and filing steps that matter most, so you can claim what you&#8217;re owed.<\/p>\n\n\n\n<h2 id=\"h-why-doing-your-taxes-matters-for-benefits-and-credits-for-adults\" class=\"wp-block-heading\">Why Doing Your Taxes Matters for Benefits and Credits for Adults<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Almost every government program for older adults requires you to file a tax return first. Even with no income to report, filing keeps your eligibility active. Skipping a year can delay or stop payments you rely on, so filing on time protects your access to benefits and credits for adults 65 and older.<\/p>\n\n\n\n<h2 id=\"h-common-income-sources-for-adults-65-and-older\" class=\"wp-block-heading\">Common Income Sources for Adults 65 and Older<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Income for older adults usually comes from a mix of sources. These include Old Age Security, the Canada Pension Plan or Quebec Pension Plan, workplace pensions, and personal savings like RRSPs and TFSAs. Because eligibility for many programs depends on your total income, knowing where your money comes from helps you plan ahead.<\/p>\n\n\n\n<h3 id=\"h-old-age-security-oas\" class=\"wp-block-heading\">Old Age Security (OAS)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">OAS is a monthly payment available starting at age 65. Service Canada may enroll you automatically, but if not, you need to contact them directly. Your payment amount depends on your age, income, and how long you&#8217;ve lived in Canada since turning 18.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your 2025 income goes above $93,454, you&#8217;ll need to repay part or all of your OAS pension. This repayment may also reduce next year&#8217;s monthly payments. OAS counts as taxable income, though taxes aren&#8217;t deducted automatically. You can ask Service Canada to withhold federal tax from your monthly cheque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lower-income seniors may also qualify for the Guaranteed Income Supplement, a non-taxable payment on top of OAS. You apply for GIS and OAS together, so there&#8217;s no need for a separate application.<\/p>\n\n\n\n<h3 id=\"h-canada-pension-plan-cpp\" class=\"wp-block-heading\">Canada Pension Plan (CPP)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CPP is a taxable monthly benefit that pays out for life once you qualify. Most people start at 65, but you can begin as early as 60 or wait until 70. Unlike OAS, CPP doesn&#8217;t start automatically. You must apply online or by mail. For details on both OAS and CPP, visit canada.ca\/public-pensions or call 1-800-277-9914.<\/p>\n\n\n\n<h2 id=\"h-retirement-savings-and-benefits-and-credits-for-adults\" class=\"wp-block-heading\">Retirement Savings and Benefits and Credits for Adults<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">RRSPs, RRIFs, and annuities also shape your tax picture in retirement. Contributions to your RRSP can lower your taxable income, but the account has a maturity date. The final contribution year is when you turn 71.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the year you turn 71, you must choose one of three options for your RRSP funds:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Withdraw the funds:<\/strong> You&#8217;ll pay tax on the amount once withdrawn.<\/li>\n\n\n\n<li><strong>Transfer to a RRIF:<\/strong> A registered retirement income fund grows tax-free, but payouts are taxable.<\/li>\n\n\n\n<li><strong>Buy an annuity:<\/strong> This provides regular payments for life or a set period, and those payments count as taxable income.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You can also contribute to a spouse&#8217;s or common-law partner&#8217;s RRSP until they turn 71, which can help balance retirement income between you.<\/p>\n\n\n\n<h3 id=\"h-other-taxable-income-to-report\" class=\"wp-block-heading\">Other Taxable Income to Report<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Several other income types also affect your return. Superannuation and workplace pensions usually count as taxable income. Retiring allowances, sometimes called severance pay, and lump-sum payments from a pension plan are taxable too, and both need reporting on your return.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TFSAs work differently. Earnings inside a TFSA are generally tax-free and don&#8217;t affect your eligibility for benefit and credit payments, which makes them a flexible savings tool for retirement.<\/p>\n\n\n\n<h2 id=\"h-key-benefits-and-credits-for-adults-65-and-older\" class=\"wp-block-heading\">Key Benefits and Credits for Adults 65 and Older<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beyond pensions, several credits and benefits can reduce your tax bill or put money back in your pocket. Filing your taxes every year, even with no income, opens the door to these payments.<\/p>\n\n\n\n<h3 id=\"h-gst-hst-credit\" class=\"wp-block-heading\">GST\/HST Credit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This quarterly, tax-free payment helps offset sales tax for people with low or modest incomes. Because the CRA calculates eligibility automatically once you file, there&#8217;s no separate application needed.<\/p>\n\n\n\n<h3 id=\"h-canada-child-benefit-for-grandparents\" class=\"wp-block-heading\">Canada Child Benefit for Grandparents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re the primary caregiver for a grandchild under 18, you may qualify for the Canada Child Benefit. This tax-free monthly payment helps with the cost of raising a child. Apply as soon as possible if no one else already claims it for that child.<\/p>\n\n\n\n<h3 id=\"h-canada-workers-benefit\" class=\"wp-block-heading\">Canada Workers Benefit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Canada Workers Benefit supports people facing rising living costs. It includes a basic amount plus a disability supplement for those approved for the Disability Tax Credit. You claim it when filing, and advance payments may arrive throughout the year. Visit canada.ca\/canada-workers-benefit for details.<\/p>\n\n\n\n<h3 id=\"h-the-age-amount\" class=\"wp-block-heading\">The Age Amount<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The age amount is a non-refundable credit that lowers tax owed for people 65 and older, as long as net income stays under the yearly threshold. For 2025, that threshold is $105,709. Tax software calculates this automatically, along with any matching provincial or territorial credit.<\/p>\n\n\n\n<h3 id=\"h-pension-income-amount-and-income-splitting\" class=\"wp-block-heading\">Pension Income Amount and Income Splitting<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you reported pension, superannuation, or annuity income, you may claim the pension income amount too. In addition, you can split up to half of your eligible pension income with a spouse or common-law partner, no matter their age.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To split pension income, both partners fill out Form T1032 every year you want to use it. Tax software usually finds the most beneficial split automatically. Keep in mind that CPP, QPP, and OAS income can&#8217;t be split this way.<\/p>\n\n\n\n<h3 id=\"h-transferring-unused-credits\" class=\"wp-block-heading\">Transferring Unused Credits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes you don&#8217;t need every credit to bring your federal tax to zero. Rather than losing them, you can transfer unused amounts like the age amount, pension income amount, or disability amount to your spouse or common-law partner. Filing together with tax software helps find the best combination.<\/p>\n\n\n\n<h3 id=\"h-disability-tax-credit-dtc\" class=\"wp-block-heading\">Disability Tax Credit (DTC)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Disability Tax Credit reduces income tax for people with disabilities or their supporting family members. Even without taxable income, approval opens access to other programs, including the child disability benefit, the Canada Workers Benefit disability supplement, the Registered Disability Savings Plan, and the Canada Disability Benefit.<\/p>\n\n\n\n<h3 id=\"h-multigenerational-home-renovation-tax-credit\" class=\"wp-block-heading\">Multigenerational Home Renovation Tax Credit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This refundable credit applies to renovation costs for building a self-contained secondary unit. The unit must let an adult 65 or older, or someone eligible for the DTC, live with a qualifying relative. For 2025, you can claim 14.5% of costs, up to $7,250 per claim.<\/p>\n\n\n\n<h3 id=\"h-canada-caregiver-credit\" class=\"wp-block-heading\">Canada Caregiver Credit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This non-refundable credit supports people caring for a spouse, common-law partner, or dependant with a physical or mental impairment. A dependant qualifies if they rely on you regularly for basics like food, shelter, and clothing.<\/p>\n\n\n\n<h3 id=\"h-home-accessibility-tax-credit\" class=\"wp-block-heading\">Home Accessibility Tax Credit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you own a home and paid for renovations that improve safety or accessibility, you may claim up to $20,000 in expenses, worth up to $2,900 in credit. This applies if you&#8217;re 65 or older, eligible for the DTC, or claiming for a qualifying dependant.<\/p>\n\n\n\n<h3 id=\"h-medical-expenses\" class=\"wp-block-heading\">Medical Expenses<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can also claim eligible medical expenses paid for yourself, your spouse, or dependants, such as medical supplies, dental work, and travel costs for treatment. Only the portion not reimbursed by insurance counts, and most claims don&#8217;t require DTC approval.<\/p>\n\n\n\n<h2 id=\"h-how-to-file-and-claim-benefits-and-credits-for-adults\" class=\"wp-block-heading\">How to File and Claim Benefits and Credits for Adults<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Filing online is usually the fastest option. Certified software, some free through canada.ca, walks you through each step and calculates credits automatically. Many programs include &#8220;Auto-fill my return,&#8221; which pulls slip information directly from the CRA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your income is modest and your tax situation is simple, a volunteer may prepare your return for free at a tax clinic. You can also ask a family member, friend, or tax preparer for help, or file on paper by downloading forms from canada.ca\/taxes-get-ready.<\/p>\n\n\n\n<h3 id=\"h-free-tax-clinics\" class=\"wp-block-heading\">Free Tax Clinics<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Community Volunteer Income Tax Program, known as ITAVP in Quebec, offers free help for people with modest income and simple returns. A modest income generally means under $40,000 for a single person or under $55,000 for a couple. Clinics run year-round but are busiest in March and April. Visit canada.ca\/taxes-help to find one nearby.<\/p>\n\n\n\n<h3 id=\"h-authorizing-a-representative\" class=\"wp-block-heading\">Authorizing a Representative<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;d like a family member, friend, or accountant to handle your tax matters, the CRA needs your permission first. You can grant access through My Account or by mailing Form AUT-01. Paper authorization only allows phone, mail, fax, or in-person contact, without online access.<\/p>\n\n\n\n<h2 id=\"h-managing-your-information-through-my-account\" class=\"wp-block-heading\">Managing Your Information Through My Account<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">My Account is the CRA&#8217;s online portal for managing your tax and benefit details. Keeping your address, marital status, and dependant information current helps avoid payment interruptions. Through My Account, you can track refunds, view your notice of assessment, check benefit payments, and apply for the Disability Tax Credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Register for access at canada.ca\/cra-sign-in-services. Checking this portal regularly also helps you confirm whether communications claiming to be from the CRA are genuine.<\/p>\n\n\n\n<h2 id=\"h-what-happens-after-a-death\" class=\"wp-block-heading\">What Happens After a Death<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When someone passes away, their family or legal representative handles tax and benefit matters. Reporting the date of death to the CRA quickly helps stop payments or transfer them to a surviving spouse or partner. If payments go out anyway because the CRA wasn&#8217;t notified in time, the representative must return them. Visit canada.ca\/guide-taxes-deceased-person for a step-by-step brochure.<\/p>\n\n\n\n<h2 id=\"h-simplefile-services-for-quick-filing\" class=\"wp-block-heading\">SimpleFile Services for Quick Filing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a lower income and a simple return, SimpleFile services can help you file in as little as 10 minutes. An invitation letter from the CRA includes what you need to get started. You&#8217;ll confirm your identity and answer a few short questions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quebec residents still file their provincial return separately. For 2026, SimpleFile opens March 9, a bit later than in past years. Check your CRA account or mail in early March for an invitation, or try the new questionnaire launching February 23, 2026, at canada.ca\/simplefile.<\/p>\n\n\n\n<h2 id=\"h-staying-safe-from-scams\" class=\"wp-block-heading\">Staying Safe from Scams<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Scammers often pretend to be the CRA through phone calls, texts, emails, or mail. They may demand instant payment or threaten legal action to pressure you into sharing personal details. The real CRA never asks for personal or financial information through voicemail, email, or text.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you&#8217;re unsure about a message, log into My Account to check if you owe anything. This step alone can clear up most doubts quickly. Learn more about spotting scams at canada.ca\/be-scam-smart.<\/p>\n\n\n\n<h2 id=\"h-quick-recap-benefits-and-credits-for-adults-65-and-older\" class=\"wp-block-heading\">Quick Recap: Benefits and Credits for Adults 65 and Older<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Filing your taxes every year unlocks access to benefits and credits for adults 65 and older, from OAS and GIS to the age amount and caregiver credit. Free tools like certified software, tax clinics, and SimpleFile make filing simpler, while My Account keeps your information current.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because so many programs depend on accurate, up-to-date tax filings, staying on top of deadlines protects your income. Watch for scams, verify anything unusual through My Account, and reach out to the CRA directly if something feels off. A little organization each year goes a long way toward securing the payments you&#8217;ve earned.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn about benefits and credits for adults 65 and older, plus tips on taxes, deductions, and staying scam-safe.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"iawp_total_views":1,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-87","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - 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