Small Decisions Now, Thousands Per Month Later
Statistics & Program References (2026)
All figures on this page are sourced from official Government of Canada and United States government publications. Figures reflect 2026 program parameters unless otherwise noted.
Gov65™ Seniors Benefits
Pensions • Healthcare Subsidies • Survivor Care
Navigating retirement pensions and senior assistance shouldn't be overwhelming. Gov65™ pairs older adults and caring family members with patient, certified GovGuides who explain everything in plain English, French, or Spanish.
We know government automated phone lines can keep you on hold for hours. Our GovGuides never rush you. We take all the time needed to review notices of assessment, fill out forms together, and coordinate with adult children or designated powers of attorney.
Federal & Provincial Senior Entitlements
Select a specialized session to organize paperwork, estimate payouts, and ensure no benefits are missed.
Old Age Security (OAS) & Guaranteed Income Supplement (GIS)
Ensure you receive the full Old Age Security pension and maximize the income-tested Guaranteed Income Supplement (GIS) to boost your retirement cash flow without penalties.
- OAS automatic enrolment verification via My Service Canada Account
- GIS income threshold calculation based on prior-year Net Income (Line 23600)
- Allowance for the Survivor and Allowance for people aged 60-64
- OAS Recovery Tax (clawback) mitigation strategies for higher incomes
Canada Pension Plan (CPP) & Post-Retirement Benefit
Determine the optimal age to start CPP (age 60 vs 65 vs 70) and claim survivor pensions, death benefits, and children's benefits with peace of mind.
- Statement of Contributions analysis to calculate projected monthly payout
- Comparison of early-start penalty (-36% at age 60) vs late bonus (+42% at age 70)
- CPP Survivor's Pension application (up to 60% of deceased spouse's pension)
- One-time $2,500 CPP Death Benefit claim filing
Social Security Retirement & Spousal Benefits
Navigate the SSA rules to maximize your lifetime Social Security benefit. Calculate Full Retirement Age (FRA), spousal entitlements, and earnings test limits.
- my Social Security earnings history review and credit verification (40 credits)
- Filing age optimization (age 62 vs FRA 67 vs delayed retirement credits at age 70)
- Spousal benefit claims (up to 50% of spouse's primary insurance amount)
- Divorced spouse benefit eligibility checks (10-year marriage rule)
Medicare Enrolment & Extra Help (LIS)
Avoid lifetime late-enrolment penalties for Medicare Part B and Part D. We assist with initial enrolment periods (IEP), Special Enrolment Periods (SEP), and Extra Help subsidies.
- Initial Enrolment Period 7-month calendar planning around 65th birthday
- CMS-L564 employer coverage verification to waive Part B penalty upon retirement
- Social Security Extra Help (LIS) prescription drug subsidy qualification
- Medicare Savings Programs (QMB, SLMB, QI) to pay monthly Part B premiums
Provincial Senior Supplements & Co-Pay Programs
Access provincial top-ups such as Ontario Guaranteed Annual Income System (GAINS), Ontario Drug Benefit (ODB) low-income co-pay waiver, and Alberta Seniors Benefit.
- Ontario GAINS automatic payment verification (up to $87/month)
- ODB Co-payment waiver ($0 deductible for eligible low-income seniors)
- BC Senior's Supplement and Fair PharmaCare income review
- Senior Homeowners' Property Tax Grant applications (up to $500)
Canada Caregiver Credit & Family Dependent Deductions
For adult children supporting aging parents or relatives with physical or mental impairments. Claim non-refundable tax credits and medical expense deductions.
- Line 30400 / 30420 Canada Caregiver Credit claim formulation
- Attendant care and nursing home medical expense receipt audits
- Home Accessibility Tax Credit (HATC) for renovations up to $20,000
- IRS Qualifying Relative dependency exemption checks in the U.S.
Are you an adult child helping aging parents?
We make it easy for sons, daughters, and legal guardians to join video sessions alongside their parents. We help gather documents, navigate CRA Consent forms (AUT-01), Service Canada consent, and SSA representative payee applications.