The standard retirement age in Canada is 65 years as of 2026 there is no new change until February 2026. Those who want to start taking the CPP benefits can start anywhere between the ages of 60 and 70. Moreover, for OAS benefits, you can start taking the retirement benefits from the age of 65 years. The amount of both the retirement benefits varies as per your age, income and contributions.
Those who want to claim the OAS and CPP benefits can verify their eligibility and amount as per their age using their MSCA from the main portal of the Canada Revenue Agency. Those who start their CPP benefits at the age of 60 will have their amount slightly deducted and those who start their CPP benefits at the age of 70 will get the highest amount. Similarly, for OAS benefits, you will get the highest amount at the age of 75.
Goodbye to Retiring at 65
The complete retirement age in Canada for 2026 remains at 65 years for both CPP and OAS retirement benefits. For the Canada Pension Plan, you can start your retirement benefits at the age of 60 but your amount gets deducted. Those who wait till the age of 70 can have the highest amount of CPP benefits.
Similarly, those who want to take the OAS benefits can start their payments at the age of 65 and the highest of payments is given to senior citizens over the age of 75. As per your age, you can use the online pension calculator to know the exact amount at the official site of the CRA using your My Services Canada Account.
Canada New Retirement Age 2026 Overview
| Authority | Canada Revenue Agency |
| Article Name | Goodbye to Retiring at 65OAS & CPP Changes Everything In Canada |
| Country | Canada |
| Affected Groups | Canadian workers |
| Standard Retirement Age | 65 years |
| Start CPP at | 60 to 70 years |
| Start OAS at | 65 years |
| Pension Duration | Monthly pension updates |
| Category | Latest News |
| Official Website | https://www.canada.ca/ |
Standard Retirement Age and When to Start Your OAS And CPP Benefits
- In 2026 the standard retirement age in Canada is 65 years for everyone.
- Those who want to start their CPP benefits can start between the ages of 60 and 70.
- You can start your OAS benefits from the age of 65.
- People can choose to delay their CPP benefits at the age of 65 or, at maximum, 70 for an increase in amount.
- The amount of the CPP and OAS benefits depends upon your age and income levels.
How to Claim the Highest Amount of OAS And CPP Benefits
- To receive a permanent and higher amount of benefits, you can delay your retirement benefits.
- Contribute and work for longer years for maximum benefits with CPP.
- Make sure you lived in Canada for a maximum of 40 years while qualifying for OAS.
- File your income tax benefits each year and include all taxable benefits to avoid penalty.
- Report any changes to your marital status or changes in residency to the CRA.
FAQs
At what age can I start with my CPP benefits?
You can start with your minimum CPP benefits at the age of 60 years.
By what age can I receive the maximum amount of CPP benefits?
You can receive the maximum amount of CPP benefits at the age of 70 years.
What is the residency criteria to qualify for OAS benefits?
You must have resided in Canada for 40 years to qualify for the OAS after the age of 18.
