The OAS Clawback Hits Every Canadian Senior Differently — Your 2025 Income Decides What You Lose

The Canada Revenue Agency is already using your 2025 net income to calculate how much of your Old Age Security payment disappears this July, and the threshold most seniors have never checked sits at $93,454. Two retirees receiving the exact same OAS pension can see completely different deposits next month, simply because of how their income was structured last year. In this video, Federal Benefits Analyst Gordon Mackay breaks down the seven income sources that push seniors across the recovery tax line, including RRIF withdrawals, rental income, and capital gains that most people never connect to their OAS payment. You'll also learn about Form T1213(OAS), the one document that can stop the government from over-withholding before your refund even arrives, plus the pension-splitting and TFSA strategies that can keep your household under the threshold. ⚠️ This video is for educational purposes only and does not constitute legal, financial, or tax advice — always verify your specific situation with Service Canada, the CRA, or a qualified advisor. #OASClawback #CanadianSeniors #CRA