Searching for Income Programs For Older Adults

One-stop service delivery for a wide range of federal programs and services. Internet access and assistance locating and applying for government programs including:

• Employment Insurance
• Social Insurance Numbers
• Canada Pension Plan
• Old Age Security
• Apprenticeship Incentive Grant.

Passport receiving agents are also available at this location. Passport Receiving Agents can:

• accept standard passport applications in person
• take payment
• collect and validate supporting documents
• review applications for completeness
• send in applications for processing

One-stop service delivery for a wide range of federal programs and services. Internet access and assistance locating and applying for government programs including:

• Employment Insurance
• Social Insurance Numbers
• Canada Pension Plan
• Old Age Security
• Apprenticeship Incentive Grant

Passport receiving agents are also available at this location. Passport Receiving Agents can:

• accept standard passport applications in person
• take payment
• collect and validate supporting documents
• review applications for completeness
• send in applications for processing

One-stop service delivery for a wide range of federal programs and services. Internet access and assistance locating and applying for government programs including:

• Employment Insurance
• Social Insurance Numbers
• Canada Pension Plan
• Old Age Security
• Apprenticeship Incentive Grant

One-stop service delivery for a wide range of federal programs and services. Internet access and assistance locating and applying for government programs including:

• Employment Insurance
• Social Insurance Numbers
• Canada Pension Plan
• Old Age Security
• Apprenticeship Incentive Grant.

One-stop service delivery for a wide range of federal programs and services. Internet access and assistance locating and applying for government programs including:

• Employment Insurance
• Social Insurance Numbers
• Canada Pension Plan
• Old Age Security
• Apprenticeship Incentive Grant.

A one-time, lump-sum payment to the estate on behalf of a deceased Canada Pension Plan (CPP) contributor.
If an estate exists the executor should apply for the benefit within 60 days of the date of death.
If no estate exists or if the executor does not apply, payment may be made to: the person or institution responsible for paying funeral expenses, the surviving spouse or common-law partner of the deceased, the next-of-kin of the deceased.
Individuals who are eligible for this benefit may also be eligible for the Surviving Child's Benefit or the Survivor's Pension which both offer monthly payments to children, spouses, and common-law partners of deceased CPP contributors.

Old Age Security (OAS)

Monthly pension to persons 65 or over regardless of income or assets

• must be legal resident of Canada for at least 40 years to receive full pension
• also full pension for persons who were 25 years or older as of July 1, 1977, and who resided in or had a visa to enter Canada that was valid on that date, or who had resided legally in Canada prior to that date and after reaching age 18, and who resided in Canada immediately before approval of the application

Guaranteed Income Supplement (GIS)

Supplement added monthly to Old Age Security for those with limited or no income

• amount of supplement is adjusted quarterly
• reapply when income taxes are filed (end of April)
• not payable outside Canada beyond a period of 6 months regardless of how long the person lived in Canada

Allowance

Monthly allowance for spouses 60-64 years of Old Age Security pensioners receiving Guaranteed Income Supplement

• based on combined income of the couple
• allowance is adjusted quarterly
• residence requirements
• proof of age required
• reapply when income taxes are filed (end of April)

Allowance for the Survivor

Monthly allowance for widowed spouses 60-65 years

• death, marriage and applicant's birth certificate required
• based on limited or no income
• deceased spouse need not have received Old Age Security
• apply when income taxes are filed (end of April)

Programs of Human Resources and Social Development Canada, delivered by Service Canada)

A monthly, taxable benefit that replaces a portion of the applicants income upon retirement. Those who qualify for the Canada Pension Plan (CPP) will receive the retirement pension for the rest of their life.
Individuals aged 60 to 69 can continue to work while receiving CPP. CPP contributions will then go toward post-retirement benefits (PRB) which will increase income upon retirement.

One-stop service delivery for a wide range of federal programs and services includes:

All Canadians

• apprenticeship grants
• benefits finder
• job bank
• labour market information
• passport application
• Social Insurance Number (SIN) application

Employers and organizations

• funding programs
• hiring foreign workers
• human resource management
• Record of Employment (ROE)

Families and children

• Canada Child Benefit
• Canada Pension Plan children's benefits
• Canada Pension Plan death benefit
• Canada Pension Plan survivor's pension
• Employment Insurance family supplement
• Employment Insurance maternity and parental benefits
• Employment Insurance special benefits for parents of critically ill children

Labour and workplace information

• labour standards
• occupational health and safety
• wage earner protection program
• workplace equity

Newcomers to Canada

• foreign credentials referral

People with disabilities

• Canada Pension Plan disability benefits
• opportunities fund for people with disabilities

Seniors

• Allowance program
• Allowance for the Survivor program
• Canada Pension Plan retirement pension
• Canadian government annuities
• Guaranteed Income Supplement (GIS)
• international benefits
• Old Age Security (OAS)

Veterans

• Veterans Affairs Canada

Workers

• Canadian forces recruitment awareness
• Employment Insurance regular benefits
• Employment Insurance sickness benefits
• Royal Canadian Mounted Police (RCMP) recruitment awareness

Youth and Students

• Canada Pension Plan Disability (18-25 years of age)
• Canada Pension Plan Survivors (18-25 years of age)
• Canada Summer Jobs (CSJ)
• career focus
• job search assistance
• Skills Link

Community legal clinic that helps low income individuals living in Halton with their legal problems, for free

• office is located in Oakville, but staff are available to meet clients in Milton, Burlington, Oakville, and Halton Hills (Georgetown and Acton)
• community outreach clinics at various locations including local libraries, food banks, courthouses, and outreach organizations on a rotating basis

Depending on the kind of problem, may be able to help by providing:

• Summary Advice
• Brief Services
• Representation
• Referrals for legal problems they cannot assist with, and to other community organizations like food banks, social and health services, crisis intervention agencies, and navigation help

Support can be provided for:

• Income Support and Public Benefits
• Housing Law
• Employment Rights
• Human Rights
• Secondary Legal Consultation
• Indigenous Rights and Services
• Youth Rights

Mobile Legal Clinic

• serving Acton and Georgetown
• a lawyer on site providing free legal information and advice in each community on alternating Fridays
• schedule will be posted on social media

ID Clinic

• offering monthly ID Clinics to provide assistance with the legal barriers preventing members of the Trans, Non-Binary, and Queer communities from accurately identifying themselves on official documents
• more information on website (haltonlegal.ca/id-clinic)

Legal Health Check-Up

• an online check-up to help people who are living in poverty identify legal problems and get help
• if you do not have enough money to live on, a good home or job, or family, social and health supports, your legal health may be at risk
• visit website to take the check-up (legalhealthcheckup.ca)

Note:

• HCLS does not provide a full range of services, nor does it provide legal aid certificates
• callers needing certificates or help in family law, criminal law, Workplace Safety and Insurance Board compensation, etc. should contact a Legal Aid of Ontario office

Services altered in response to COVID-19 (Coronavirus)

Do not attend a Service Canada Centre for service unless absolutely necessary
* complete a service request form online for assistance with Employment Insurance, Canada Pension Plan, Old Age Security, Guaranteed Income Supplement, Social Insurance Numbers, immediate requests for Passport Service or Veterans Affairs Canada Services
* a Service Canada officer will call back within 2 business days

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One-stop service delivery for a wide range of federal programs and services includes:

All Canadians

• apprenticeship grants
  
• benefits finder
  
• job bank
  
• labour market information
  
• passport application
  
• passport receiving agent service
  
• Social Insurance Number (SIN) application

Employers and organizations

• funding programs
  
• hiring foreign workers
  
• human resource management
  
• Record of Employment (ROE)

Families and children

• Canada Child Benefit
  
• Canada Pension Plan children's benefits
  
• Canada Pension Plan death benefit
  
• Canada Pension Plan survivor's pension
  
• Employment Insurance family supplement
  
• Employment Insurance maternity and parental benefits
  
• Employment Insurance special benefits for parents of critically ill children

Labour and workplace information

• labour standards
  
• occupational health and safety
  
• wage earner protection program
  
• workplace equity

Newcomers to Canada

• foreign credentials referral

People with disabilities

• Canada Pension Plan disability benefits
  
• opportunities fund for people with disabilities

Seniors

• Allowance program
  
• Allowance for the Survivor program
  
• Canada Pension Plan retirement pension
  
• Canadian government annuities
  
• Guaranteed Income Supplement (GIS)
  
• international benefits
  
• Old Age Security (OAS)

Veterans

• Veterans Affairs Canada

Workers

• Canadian forces recruitment awareness
  
• Employment Insurance regular benefits
  
• Employment Insurance sickness benefits
  
• Royal Canadian Mounted Police (RCMP) recruitment awareness

Youth and Students

• Canada Pension Plan Disability (18-25 years of age)
  
• Canada Pension Plan Survivors (18-25 years of age)
  
• Canada Summer Jobs (CSJ)
  
• career focus
  
• job search assistance
  
• Skills Link

A one-time, lump-sum payment to the estate on behalf of a deceased Canada Pension Plan (CPP) contributor.
If an estate exists the executor should apply for the benefit within 60 days of the date of death.
If no estate exists or if the executor does not apply, payment may be made to: the person or institution responsible for paying funeral expenses, the surviving spouse or common-law partner of the deceased, the next-of-kin of the deceased.
Individuals who are eligible for this benefit may also be eligible for the Surviving Child's Benefit or the Survivor's Pension which both offer monthly payments to children, spouses, and common-law partners of deceased CPP contributors.

Old Age Security (OAS)

Monthly pension to persons 65 or over regardless of income or assets

• must be legal resident of Canada for at least 40 years to receive full pension
• also full pension for persons who were 25 years or older as of July 1, 1977, and who resided in or had a visa to enter Canada that was valid on that date, or who had resided legally in Canada prior to that date and after reaching age 18, and who resided in Canada immediately before approval of the application

Guaranteed Income Supplement (GIS)

Supplement added monthly to Old Age Security for those with limited or no income

• amount of supplement is adjusted quarterly
• reapply when income taxes are filed (end of April)
• not payable outside Canada beyond a period of 6 months regardless of how long the person lived in Canada

Allowance

Monthly allowance for spouses 60-64 years of Old Age Security pensioners receiving Guaranteed Income Supplement

• based on combined income of the couple
• allowance is adjusted quarterly
• residence requirements
• proof of age required
• reapply when income taxes are filed (end of April)

Allowance for the Survivor

Monthly allowance for widowed spouses 60-65 years

• death, marriage and applicant's birth certificate required
• based on limited or no income
• deceased spouse need not have received Old Age Security
• apply when income taxes are filed (end of April)

Programs of Human Resources and Social Development Canada, delivered by Service Canada)

A monthly, taxable benefit that replaces a portion of the applicants income upon retirement. Those who qualify for the Canada Pension Plan (CPP) will receive the retirement pension for the rest of their life.
Individuals aged 60 to 69 can continue to work while receiving CPP. CPP contributions will then go toward post-retirement benefits (PRB) which will increase income upon retirement.

Offers volunteers who assist individuals who are unable to complete income tax and benefit returns. Volunteer tax preparation clinics are offered in various locations across Canada, generally between February and April of each year. Some clinics operate year-round. Full list of clinics available on the website.
The following returns are not eligible for this service:

• returns for deceased persons
• individuals who file for bankruptcy
• self-employed individuals
• individuals who report capital gains or losses
• individuals who report employment expenses, or business or rental income and expenses

A one-time, lump-sum payment to the estate on behalf of a deceased Canada Pension Plan (CPP) contributor.
If an estate exists the executor should apply for the benefit within 60 days of the date of death.
If no estate exists or if the executor does not apply, payment may be made to: the person or institution responsible for paying funeral expenses, the surviving spouse or common-law partner of the deceased, the next-of-kin of the deceased.
Individuals who are eligible for this benefit may also be eligible for the Surviving Child's Benefit or the Survivor's Pension which both offer monthly payments to children, spouses, and common-law partners of deceased CPP contributors.

Old Age Security (OAS)

Monthly pension to persons 65 or over regardless of income or assets

• must be legal resident of Canada for at least 40 years to receive full pension
• also full pension for persons who were 25 years or older as of July 1, 1977, and who resided in or had a visa to enter Canada that was valid on that date, or who had resided legally in Canada prior to that date and after reaching age 18, and who resided in Canada immediately before approval of the application

Guaranteed Income Supplement (GIS)

Supplement added monthly to Old Age Security for those with limited or no income

• amount of supplement is adjusted quarterly
• reapply when income taxes are filed (end of April)
• not payable outside Canada beyond a period of 6 months regardless of how long the person lived in Canada

Allowance

Monthly allowance for spouses 60-64 years of Old Age Security pensioners receiving Guaranteed Income Supplement

• based on combined income of the couple
• allowance is adjusted quarterly
• residence requirements
• proof of age required
• reapply when income taxes are filed (end of April)

Allowance for the Survivor

Monthly allowance for widowed spouses 60-65 years

• death, marriage and applicant's birth certificate required
• based on limited or no income
• deceased spouse need not have received Old Age Security
• apply when income taxes are filed (end of April)

Programs of Human Resources and Social Development Canada, delivered by Service Canada)

A monthly, taxable benefit that replaces a portion of the applicants income upon retirement. Those who qualify for the Canada Pension Plan (CPP) will receive the retirement pension for the rest of their life.
Individuals aged 60 to 69 can continue to work while receiving CPP. CPP contributions will then go toward post-retirement benefits (PRB) which will increase income upon retirement.

One-stop service delivery for a wide range of federal programs and services

• labour market information
• information and referral on Employment Insurance, Social Insurance Numbers, Canada Pension Plan, Old Age Security, Veterans benefits, Apprenticeship Incentive Grant, Canada Education Savings Grant and others
• passport receiving agent

For details on all federal and provincial benefits see Canada Benefits directory

Monthly retirement pension, beginning as early as 60 years or as late as 70 years

• full pension if started at 65 years
• reduced pension if started before 65 years
• increased pension if started after 65 years

Post-Retirement Benefit -- for workers 60-70 years who continue to contribute to CPP while receiving a CPP pension

Disability benefits -- for contributors under 65 years

• allowance for dependent children

Survivor benefits -- monthly pension for surviving spouse or common law partner

• children's benefit for dependent children of deceased contributor
• death benefit (lump sum payment to estate, or persons responsible for funeral costs)

Amount of benefits payable is in proportion to contributions

• pension credits earned by either spouse may be divided equally (credit splitting) on termination of marriage or common law partnership

Social Security Tribunal, 1-877-227-8577 -- independent appeal process for Canada Pension Plan decisions

Program of Employment and Social Development Canada, delivered by Service Canada

Old Age Security (OAS)

• Monthly pension to legal residents of Canada 65 years and older
• full pension to those who have lived in Canada for at least 40 years after turning 18
• partial pension may be available

Guaranteed Income Supplement (GIS) -- Monthly supplement for low income OAS recipients living in Canada

Allowance -- Monthly benefit for low income spouses (60-64 years) of GIS recipients; based on combined income of the couple

Allowance for the Survivor -- Monthly benefit for low income widowed spouses 60-64 years

Social Security Tribunal, 1-877-227-8577 -- independent appeal process for Old Age Security decisions

Programs of Employment and Social Development Canada, delivered by Service Canada

Guaranteed Annual Income System (GAINS), 1-866-668-8297 -- monthly supplement to low income Ontario seniors receiving OAS and GIS

• program of the Ontario Ministry of Finance

One-stop service delivery for a wide range of federal programs and services

• labour market information
• information and referral on Employment Insurance, Social Insurance Numbers, Canada Pension Plan, Old Age Security, Veterans benefits, Apprenticeship Incentive Grant, Canada Education Savings Grant and others
• some Service Canada locations are passport receiving agents

For details on all federal and provincial benefits see Canada Benefits directory

For local Service Canada Centres see separate entries or office locator

A one-time, lump-sum payment to the estate on behalf of a deceased Canada Pension Plan (CPP) contributor.
If an estate exists the executor should apply for the benefit within 60 days of the date of death.
If no estate exists or if the executor does not apply, payment may be made to: the person or institution responsible for paying funeral expenses, the surviving spouse or common-law partner of the deceased, the next-of-kin of the deceased.
Individuals who are eligible for this benefit may also be eligible for the Surviving Child's Benefit or the Survivor's Pension which both offer monthly payments to children, spouses, and common-law partners of deceased CPP contributors.

Old Age Security (OAS)

Monthly pension to persons 65 or over regardless of income or assets

• must be legal resident of Canada for at least 40 years to receive full pension
• also full pension for persons who were 25 years or older as of July 1, 1977, and who resided in or had a visa to enter Canada that was valid on that date, or who had resided legally in Canada prior to that date and after reaching age 18, and who resided in Canada immediately before approval of the application

Guaranteed Income Supplement (GIS)

Supplement added monthly to Old Age Security for those with limited or no income

• amount of supplement is adjusted quarterly
• reapply when income taxes are filed (end of April)
• not payable outside Canada beyond a period of 6 months regardless of how long the person lived in Canada

Allowance

Monthly allowance for spouses 60-64 years of Old Age Security pensioners receiving Guaranteed Income Supplement

• based on combined income of the couple
• allowance is adjusted quarterly
• residence requirements
• proof of age required
• reapply when income taxes are filed (end of April)

Allowance for the Survivor

Monthly allowance for widowed spouses 60-65 years

• death, marriage and applicant's birth certificate required
• based on limited or no income
• deceased spouse need not have received Old Age Security
• apply when income taxes are filed (end of April)

Programs of Human Resources and Social Development Canada, delivered by Service Canada)