OAS Clawback 2026: How Much Can You Earn Before You Lose Old Age Security?

Описание: Is your Old Age Security getting clawed back? For 2025 income, the OAS clawback (recovery tax) starts at $93,454. For 2026 income, it starts at $95,323. In this video, you'll see exactly how much the clawback takes, what counts as income, the timing that surprises many seniors, and 5 ways people legally keep more of their OAS.

Key numbers (from official government sources):
2025 income (payments July 2026 – June 2027): clawback starts at $93,454
2026 income: clawback starts at $95,323
You repay 15% of income above the line, not your whole pension
OAS fully clawed back at about $152,062 (age 65–74) and $157,923 (age 75+) for 2025 income
Income lower this year? You can ask CRA to reduce the deductions with form T1213(OAS)

Chapters:
0:00 Carol's surprise
1:07 What is the OAS clawback?
1:38 Where the clawback starts (2025 and 2026 income)
2:02 15 cents per dollar: how much it takes
2:58 What counts as income
3:44 The timing trap
4:26 How to reduce the deductions (T1213 OAS)
4:52 5 ways to legally keep more OAS
6:42 Recap

Carol is an illustrative example, not a real person.

Disclaimer: Canada Seniors Explained is an independent channel. We are not affiliated with the Government of Canada, Service Canada or the CRA. This video is for general information only and is not financial, tax or legal advice. Please talk to a qualified tax professional about your own situation.

Watch next:
Canadian Seniors: Check This Before Your October 28 OAS Payment
How Much Money Can You Have in the Bank and Still Get GIS?

#OASClawback #OldAgeSecurity #CanadianSeniors