OAS can normally begin at age 65 和 can be delayed to age 70. Delaying increases the pension by 0.6% per month. High net income can trigger the OAS recovery tax, so RRIF withdrawals, pension income 和 pension splitting can materially change the result.
65 岁领取 OAS 与延迟到 70 岁
OAS 可从 65 岁开始领取，也可延迟到最晚 70 岁。联邦政府每延迟一个月会将 OAS 增加 每延迟一个月 0.6%，到 70 岁时最高增加 36%。与 CPP 不同，OAS 不能在 65 岁前开始领取。
Delaying can be attractive when other assets can fund the early retirement years, but it is not automatically better. People eligible for GIS, for example, need to consider different rules 和 incentives.
OAS 追回税如何运作
追回税通常被称为 OAS“clawback”。它根据个人全球净收入计算。对于 2026 收入年度，用于 2027 年 7 月至 2028 年 6 月追回期的已公布最低门槛为 95,323 加元。追回税为超过适用门槛收入的 15%，上限为实际收到的 OAS 金额。
Thresholds change, 和 OAS recovery periods are based on prior-year income, so always verify the current government table before making a tax decision.
可能影响 OAS 的退休收入
RRSP/RRIF withdrawals, taxable pensions, employment income, interest 和 taxable capital gains can increase net income. TFSA withdrawals do not count as taxable income 和 therefore do not directly increase OAS recovery tax. For couples, eligible pension-income splitting may reduce one spouse’s net income 和 increase the other’s, which can change each spouse’s OAS recovery separately.
规划工具如何模拟 OAS
The planner can estimate OAS eligibility from residence history, compare starting at 65 or 70, 和 estimate OAS recovery tax inside the annual retirement projection. When eligible pension income exists, the household tax optimizer can evaluate pension splitting while considering OAS recovery for each spouse.
Test OAS timing 和 recovery tax
Compare OAS timing alongside RRIF withdrawals, pension splitting, CPP 和 TFSA strategy.