Step-by-step guides

Our free guides explain each benefit. These paid guides take you through the process step by step, with checklists and sample letters.

• Reconsideration and appeal guide

  How to ask Service Canada to review an OAS, GIS or CPP decision, and what to do if the answer is still no.

  Coming soon

• Guaranteed Income Supplement (GIS) guide

  Who qualifies for the GIS, why many eligible seniors miss it, and how to apply.

  Coming soon

• OAS clawback and deferral guide

  When delaying OAS pays off, how the clawback works, and why deferring can cost you the GIS.

  Coming soon

• OAS residence guide

  How years in Canada decide your OAS amount, partial pensions, and social security agreements with other countries.

  Coming soon

• All four guides (bundle)

  The reconsideration and appeal guide, GIS guide, clawback and deferral guide, and OAS residence guide.

  Coming soon

Sales tax (GST/HST), if any, is added at checkout. Refund policy

Please note

• These guides are general information. They are not legal or financial advice.
• OAS Guides is independent. We are not part of, or connected to, the Government of Canada or Service Canada.
• We cannot promise any result from an application, request for reconsideration or appeal.
• Benefit amounts and rules change. Each guide shows the date we last checked its figures.