Simulate Journey: Navigating Retirement Benefits
Test this journey with different user personas to identify pain points
Journey Information
Navigating Retirement Benefits
A comprehensive guide to navigating federal and provincial retirement benefits, including Old Age Security (OAS), Guaranteed Income Supplement (GIS), Canada Pension Plan (CPP), and provincial supplements. This journey shows how these benefits connect and interact with each other.
Journey Steps
Understand CPP Eligibility: Learn about Canada Pension Plan eligibility requirements, contribution periods, and how benefits are calculated. The CPP is a foundation of retirement income for most Canadians.
Apply for CPP Retirement Pension: Complete and submit an application for your CPP retirement pension. You can apply up to 12 months before you want your pension to start.
Understand OAS Eligibility: Learn about Old Age Security eligibility requirements based on age, Canadian legal status, and years of residence in Canada.
Apply for OAS: Complete and submit an application for Old Age Security benefits. Many Canadians are automatically enrolled, but it's important to verify your enrollment status.
Determine GIS Eligibility: Assess whether you qualify for the Guaranteed Income Supplement based on your income and OAS status. GIS is available to low-income OAS recipients.
Apply for GIS: Complete and submit an application for the Guaranteed Income Supplement if you qualify. You'll need to provide income information for this needs-based benefit.
Check Provincial Supplements: Investigate additional supplements available in your province. Most provinces offer supplementary benefits for low-income seniors receiving OAS and GIS.
Automatic Enrollment in Provincial Programs: Verify automatic enrollment in provincial supplement programs. In many provinces, enrollment is automatic based on your federal tax filings and benefit status.
File Taxes to Maintain Benefits: Complete annual tax filing to maintain your benefits. Most benefits require annual income verification through your tax return, even if you have no taxable income.
Monitor Benefit Integration: Review how your benefits work together and affect each other. Understanding these interactions helps ensure you receive all entitled benefits and avoid surprises.
Simulate this Journey
Our journey simulator analyzes each step of the journey and determines potential friction points based on the selected user persona.
Factors Analyzed
The simulation results will help you identify potential improvements to make the journey smoother and more accessible.