Old Age Security Act

Bill C-261, An Act to amend the Old Age Security Act (amount of full pension) · Second reading · now at second reading in the House Where it stands

What Bill C-261 would do

The bill would increase the full Old Age Security pension by 10% for all pensioners aged 65 and older. It would also raise the exemption for employment or self-employed earnings used to calculate the Guaranteed Income Supplement from $5,000 to $6,500.

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6 statements

Claude DeBellefeuille, Beauharnois—Salaberry—Soulanges—Huntingdon

Bloc Québécois
“I want the House to pass this bill. It increases the pension for seniors aged 65 to 74 by 10 percent, just like older seniors get. It also lets low-income seniors earn more money before their benefits are cut.”
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moved that Bill C-261, An Act to amend the Old Age Security Act (amount of full pension), be read the second time and referred to a committee. She said: Mr. Speaker, it is always very moving to have the privilege of introducing a bill that one cares about. I will be reading my speech because I want to share my message in full and I do not want to run out of time. For a society to live in peace, its citizens must live with confidence. They have to feel certain that their government is taking care of them, that it is working for their well-being and that it is keeping its promises. When a person retires, that is the moment of truth. That is when the unspoken agreement between the citizen and the state must be honoured. It should be the time to reap the rewards of decades of hard work, a time of dignity, not a time of mere survival. However, today, too many new retirees await this freedom with a sense of dread. On behalf of the Bloc Québécois, I am calling on my esteemed colleagues and fellow citizens to correct an injustice. We are living in one of the wealthiest societies in the world, one that prides itself on its social safety net, its values, its compassion and its commitment to mutual support. However, today, we are seeing this safety net become ever more fragile. There are more and more holes in it. We are abandoning the very people who built our schools, our hospitals and our businesses. We spend our lives imagining a retirement where we want for nothing, where we can have a well-deserved rest and where we can live out our lives in complete security. However, for thousands of new retirees, old age security and the guaranteed income supplement no longer constitute the promised safety net. Instead, they are life rafts and they are taking on water. We are not talking about charity here. We are talking about a social contract. These men and women paid their taxes for 40 or 50 years. They contributed to the country’s economic success. They raised the generation that is now leading Quebec. The implicit promise was simple. If people worked hard and contributed to the common good, then the state would make sure that they wanted for nothing as they grew old. We are way off the mark. Not only are we way off the mark, but it is now clear that the Liberal government did not keep this promise—one among many, some might say. Young retirees are being forced to keep working just to make ends meet. Is this the sneaky way that the current Prime Minister and his predecessor have found to effectively raise the retirement age, without anyone noticing? If so, it is dishonest and unworthy of the office. This government tried to address the discontent but only managed to create an even greater injustice. It officially established two classes of retirees by deciding to increase OAS by 10% for those over the age of 75. On the one hand, we have older seniors, who are deemed worthy of additional assistance, and on the other, we have young retirees aged 65 to 74, who are essentially being told to fend for themselves. What is the logic behind that discrimination? At the grocery store, does inflation ask how old the customer is? Are rent, gas or heating costs lower when someone is 70 than when they are 76? What happens on the night before a retiree turns 75? It takes just as much air to blow out 65 candles as it does 75. The government says that seniors aged 65 to 74 are still active and can work to supplement their income. This is an insult to those who have had physically demanding careers and who, let us face it, are worn out. Asking a 68-year-old construction worker, warehouse worker or restaurant server to go back to work just to pay for groceries is not really a solution. It is an admission of failure. It means accepting that the government has failed in its duty. We in the Bloc Québécois will not back down. That is why, since 2021, we have been making every effort to put an end to the injustice caused by these two classes of seniors. We are often told that this would be financially unsustainable. We are told that increasing pensions for people aged 65 to 74 would cost the public purse billions of dollars. That is true. It is a significant amount. However, what is the cost of not doing it? How much does it cost our health care system when a senior eats poorly because fruit and vegetables have become a luxury? How much does social isolation—which leads to depression—cost? How much does the loss of dignity cost? It is not just a matter of compassion; it is also a matter of public health and safety. Thorough research has provided irrefutable evidence that the most egalitarian societies are the ones that fare the best. I am not going to mince words: The harms caused by inequality affect women first and foremost. Once again, women are statistically the ones who have the lowest pensions. They are the ones who live the longest in solitude. By refusing to help seniors aged 65 to 74, this government is perpetrating a form of economic harm against our mothers and grandmothers. It is taking the women who kept our society going—often from the shadows, often without pay—and putting them in a vulnerable position. Causing them anxiety about the future is truly unworthy of this House. Study after study clearly proves it. When the wealth gap is narrowed, crime falls significantly and confidence rises. Mental illness declines. Obesity, chronic stress and violence—especially violence against women—decline. Conversely, the wider the wealth gap, the sicker the body politic. Colleagues, for a society to live in peace, it takes confidence. I said it before and I am saying it again. However, poverty among seniors undermines that confidence. It creates anxiety not only for retirees, but also for their children and grandchildren, who see their own future as a threatening prospect, rather than a comfortable one. How can they trust a government that cheats their parents and flouts the social contract? By allowing seniors’ spending power to collapse, the government is making a conscious decision to increase future social costs. It is opting for more people in hospital beds, more psychological distress and more insecurity. Of course, there are those who will solemnly claim that the cupboard is bare, that the debt is too big. Honestly, that is a risible argument. When it comes to finding millions of dollars to subsidize oil and gas giants, who do not need financial support, the money seems to appear out of thin air. When it comes to buying a pipeline in western Canada that will never serve our interests, the cheque book is often wide open. When the big banks are making record profits while raising fees on consumers, the government looks the other way. When billions of dollars end up in tax havens without being taxed, we are told it is really complicated. It is so complicated to get the money back from the tax havens. However, when a 72-year-old grandmother asks for what she is entitled to, namely enough money to pay her heating bill, just like her 76-year-old neighbour, suddenly everyone has to be responsible. They pull out the calculator and talk to us about fiscal discipline. This is not really a problem of revenue. It is a problem of choice. It is a political choice, a political decision. Clearly, this government’s choices are not the same ones the public would make. The government prefers to help those who pollute, those who make massive profits, and neglects those who built Quebec. As someone who devoted her entire career to seniors, I think that is completely outrageous. We are not asking for the moon. We are asking the government to honour a social contract. Is it too much to ask to maintain what little balance still remains? I repeat: Our seniors are not asking for charity. They are demanding respect. What we are seeing today is a government that is deliberately and knowingly choosing to create and maintain two classes of seniors: one that deserves to be helped and another that is left to fend for itself. This age-based discrimination is unworthy of a modern society. The people that my colleagues and I represent think that this is unacceptable, and I am sure that many members of the House from all political parties agree with them. We are not here to beg for favours. We are here to correct an injustice and appeal to every member of the House’s sense of reason. For a society to live in peace, it must treat those who built it with respect. What is needed now is more than just rhetoric on election day or during an election campaign. What folks need are cheques that will cover groceries and rent. It is time to stop seeing retirees as a budgetary burden or an expense column in an Excel spreadsheet. They are our society’s collective memory. They are our roots, and it is absurd to cut off the water supply to our roots under the pretext of saving money. In the name of dignity, we call on the government to stop its petty calculations. It needs to stop dividing people. It needs to stop dividing seniors. We need to give them back what they entrusted us with. On behalf of the Bloc Québécois, I urge all my colleagues to vote in favour of Bill C-261, an act to amend the Old Age Security Act. Many citizens heard that today would be quite a memorable day in my career as a member of Parliament. Seriously, over the past week, I have received hundreds of letters, emails and notes encouraging me to continue on this path, because seniors know that their living conditions and their dignity are not being respected at all. People in my riding, as well as the Fédération de l’âge d’or du Québec, or FADOQ, the largest seniors’ group in Quebec, representing several thousand people, are making this their top demand. I also spoke with the Association québécoise de défense des droits des personnes retraitées et préretraitées and with retirees from Quebec, who share the same demand. It is not too complicated. They are asking for fairness and justice. They are calling on the government to correct this age-based inequity and discrimination. I look forward to taking questions from my colleagues. In the last Parliament, my colleague from Shefford sponsored Bill C‑319, which went through a lengthy legislative process. Although it died on the Order Paper, a number of members in the House supported that bill. We hope the House of Commons shows the same cohesion and consensus again. Not only does Bill C‑261 seek to correct the injustice, but it also seeks to increase the GIS maximum exemption amount. It is important to clarify that. The bill provides for a 10% increase in OAS, but it also increases to $6,500 the maximum amount a person can earn before their GIS is reduced. Around 20% of seniors in my riding tell me that they are forced to work. However, for GIS recipients, any income over $5,000 is subject to a clawback. As the saying goes, that is like trading four quarters for a dollar. That is what my grandmother used to say. What do all these seniors end up doing, then? They end up working under the table or just making do, because they basically need every penny of their income to make ends meet. In closing, I can say that this truly comes from the heart. I know that my colleague across the aisle secured a royal recommendation to pass a bill that will allow bereaved parents who have lost a child to continue receiving their employment insurance benefits. I therefore hope to convince the government that it has a great opportunity to right a wrong and, of course, grant a royal recommendation to my bill. This bill will allow seniors to live better. Above all, they will see that this injustice and discrimination have finally been addressed. It is a matter of respect, and frankly, there is no room for compromise. Again, I appeal to my colleagues, from the bottom of my heart, to support Bill C-261.

Claude DeBellefeuille, Beauharnois—Salaberry—Soulanges—Huntingdon

Bloc Québécois
“Many seniors in Quebec are struggling to get by, and almost half of them need extra financial help. We need to support them instead of telling them to just keep working.”
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Mr. Speaker, I am truly offended by such arguments. It makes no sense. I do not know if all seniors 65 and older in his riding are rolling in money, but in Quebec, 1,869,000 people are 65 or older, and nearly half of them receive the GIS. Honestly, I cannot imagine repeating what I just heard to these people who are struggling to make ends meet. I understand that the Harper government may have been a little less hypocritical. It raised the retirement age to 67. When the Liberal government took office, it lowered the retirement age, but it did so in a roundabout way. It seemed to be telling people to keep working. I know Ghislaine—

Claude DeBellefeuille, Beauharnois—Salaberry—Soulanges—Huntingdon

Bloc Québécois
“I am glad the member will support my bill. It lets seniors earn up to $6,500 from working without losing as much of their pension benefits.”
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Mr. Speaker, that warms my heart. I was wondering whether all the Conservatives were going to vote against the bill after hearing her colleague speak before her. I sincerely thank her from the bottom of my heart. I believe that the bill increases the exemption amount to $6,500. That gives seniors who are 65 and older some flexibility if they wish to work, so that they are not penalized as much if they want to continue working. I look forward to hearing my colleague talk about my bill. I am very pleased to hear that she will support it.

Andréanne Larouche, Shefford

Bloc Québécois
“More older women are becoming homeless and using food banks. Last time, every party except the Liberals voted for my bill to increase pensions. I want to know what my colleague expects to happen during this vote.”
Official Hansard

Mr. Speaker, I would like to thank my colleague for introducing this bill. We have been passing the baton to one another, and I now pass it on to the hon. member for Beauharnois—Salaberry—Soulanges—Huntingdon. My colleagues and I at the Standing Committee on the Status of Women are currently hearing from witnesses as part of a study on senior women. We are hearing about older women finding themselves on the streets. Homelessness is on the rise. Demand for food hampers is on the rise. What we are hearing is seriously catastrophic. In the last Parliament, with the exception of the Liberals, even the former Liberal MPs who became independent voted in favour of the bill I introduced on this subject. The Conservatives voted for it, the Green Party voted for it and the NDP voted for it. In committee, a report was even adopted unanimously. Everyone voted in favour, including the Liberals. However, once the matter came before the House, the Liberals changed their tune and voted against it. I would like to know what my colleague expects from the vote this time.

Claude DeBellefeuille, Beauharnois—Salaberry—Soulanges—Huntingdon

Bloc Québécois
“I want the government to vote for this bill. It gives more pension money to seniors aged 65 to 74. They only get about $750 a month right now, which is not enough.”
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Mr. Speaker, I expect the Liberals to show some compassion, realize they made a mistake and seize this opportunity to fix it. There is no reason to vote against this bill, which will improve the quality of life for our seniors. The evidence is clear. Old age security is about $750 a month. No one would think of that as a fortune. We are not begging for anything. We are not asking for anything other than fairness for seniors between the ages of 65 and 74. I look forward to hearing the government members explain why they are not supporting this bill, because there is no good reason not to. I look forward to hearing what they have to say.

Andréanne Larouche, Shefford

Bloc Québécois
“I want the House to pass this bill. It raises the pension for seniors aged 65 to 74 by 10%, giving them the same raise that seniors 75 and older already received. It also lets low-income seniors earn more money from work without losing their benefits. Seniors are struggling to pay for food, rent, and medicine, and they all deserve enough money to live.”
Official Hansard

Mr. Speaker, today we are debating a simple yet fundamental question: Is it acceptable for people who have worked their entire lives, raised their families, paid their taxes and built our communities to now be living in poverty? Bill C-261, introduced and vigorously defended by my colleague from Beauharnois—Salaberry—Soulanges—Huntingdon, aims to restore fairness for seniors and allow them to live with dignity. For years, the Bloc Québécois has been calling for OAS to be increased for all seniors, starting at age 65, because dignity does not begin at age 75. The two classes of seniors are an injustice created by Ottawa. In 2021, the federal government granted a 10% OAS increase, but only to those over the age of 75. We saw this coming and, as early as the 2019 election campaign, we criticized the idea of creating two classes of seniors. This decision created two classes of seniors: those entitled to a benefit increase and those left behind. However, the cost of groceries, housing, transportation, insurance, electricity and medications are also rising for seniors aged 65 to 74. Quebec has approximately 1.09 million people aged 65 to 74, compared to about 875,000 people aged 75 and older. This means that the majority of seniors were excluded from this increase. The Bloc Québécois rejects this injustice. The government cannot acknowledge the vulnerability of seniors while excluding a large portion of them. The current economic reality is grim. In March 2025, nearly 744,000 Quebeckers received the guaranteed income supplement, which is a sign that many seniors are living on very modest incomes. More than 53% of Quebeckers aged 65 and older live on less than $35,000 a year. What is even more concerning is that 32.5% live on less than $25,000 a year. These are not abstract numbers. These are people who sometimes have to choose between paying their rent, buying their medication, eating properly or heating their homes. According to the reports, some retirees are living on around $1,960 or $2,000 a month. Once the rent, electricity, insurance, telephone bills, transportation costs and medication have been paid for, there is very little left for groceries and unexpected expenses. We are talking not about comfort here, but about financial survival. The housing crisis is also affecting seniors. That, too, needs to be discussed. The housing crisis is not just affecting young families; it is also hitting seniors hard. The Observatoire québécois des inégalités reports that housing has become unaffordable for more than half of all households made up of the poorest 20% of people aged 65 and over. Nearly a quarter of senior households are living in housing that is considered unacceptable, meaning that it does not meet the criteria for affordability, quality and adequate size. The work on homelessness from the Standing Committee on Human Resources, Skills and Social Development and the Status of Persons with Disabilities has highlighted a reality of growing concern: Seniors are at risk of homelessness following a rent increase, eviction, separation or the death of a spouse. For a senior living on a fixed income, a rent increase of a few tens or hundreds of dollars can upend the entire financial balance. After a lifetime of hard work, no one should have to fear becoming homeless. Poverty among seniors is also an issue in terms of health. When seniors do not have enough money, they do not cut back on frills. They cut back on essentials. They cut back on groceries. They put off buying medication. They avoid certain medical travel. They cut back on heating. They isolate themselves because they can no longer afford to go out, get around or participate in activities. Poverty among seniors thus becomes a challenge in terms of public health, food security, mental health and human dignity. Senior women are particularly vulnerable. We hear that often. Senior women live in especially precarious situations. In Quebec, the median after-tax income for women aged 65 and over is about $24,100, compared to $34,200 for men. This difference can be attributed to careers that were interrupted, lower-paying jobs, part-time work and years spent taking care of children, loved ones or sick spouses. Senior women are also more likely to live alone, particularly once they become widowed or following a separation. During the Standing Committee on the Status of Women’s proceedings, several witnesses pointed out that financial insecurity can trap women in situations of domestic, psychological or economic violence. When a woman cannot afford to find new housing, pay a security deposit, furnish an apartment or ensure her financial security, she may remain in a dangerous situation simply because she has no other option. Increasing the income of older women is therefore not just an economic measure. It is also about safety, autonomy and protection. The committees also highlighted the importance of having a better understanding of economic violence. Some women have never had full control over their finances. Others are financially dependent on a spouse. Some are afraid and have little savings. They might have some private retirement funds but little room to manoeuver. When retirement, a separation or the death of a spouse occurs, they end up in a highly vulnerable position. Isolation also exacerbates the situation. An isolated older adult has less access to information, less support in filling out forms, fewer networks to find housing and fewer people to turn to in a crisis. A basic income then becomes a practical tool for reducing dependence, vulnerability and isolation. Seniors also want to contribute to our society. That is another aspect of the bill. It is important to reject the stereotype that seniors are only recipients of services. More than 170,000 Quebeckers aged 65 and over are employed. More than half work full time. On top of that, 81% of seniors consider themselves to be in good, very good or excellent health. Many want to stay active, share their experience, work a few hours, volunteer, support their family or contribute to their community. The problem is that the current system can penalize them when they want to earn some extra income. That is why the bill also proposes to increase the exemption for employment income from $5,000 to $6,500. That measure would enable seniors who want to work a little more to do so without being penalized when their benefits are calculated. Bill C‑261 includes two primary measures. First, it increases the full OAS pension by 10% for all pensioners 65 and older. In practical terms, it allows seniors from 65 to 74 to receive the same amount as pensioners 75 and older. Second, it raises the exemption on employment income from $5,000 to $6,500 for the purposes of calculating the GIS. Both measures have the same objective: to give seniors more breathing room, to acknowledge their contribution and to allow them to live with more dignity. I want to address some criticism. There are people who will say that this measure is too expensive. However, the real question is this: What is the cost of doing nothing? What is the cost of homelessness among seniors? What is the cost of the preventable hospitalization of someone who lowered their dose of medication or stopped eating enough? What is the cost of social isolation? What is the cost of lowering the income of older women and forcing them to stay in abusive situations because they cannot afford to leave? Investing in seniors’ incomes means preventing much more serious and costly social problems. Others fear that the old age security increase will reduce the guaranteed income supplement. However, an increase in OAS does not affect pensions under the Quebec pension plan and does not automatically reduce the GIS. There may be specific effects depending on certain tax situations, but the measures are clearly aimed at improving the disposable income of the vast majority of seniors. It is ultimately a matter of consistency. The government says it wants to fight poverty. It says it wants to prevent homelessness. It says it wants to support women who are victims of violence. It says it wants to encourage active aging. The government cannot claim to be fighting against the vulnerability of seniors while maintaining a policy that excludes most seniors. However, the government still refuses to correct an obvious injustice toward seniors aged 65 to 74. In conclusion, seniors built our communities. They have worked, paid taxes, raised families, supported loved ones, built businesses, sustained our regions and passed on their experience. Today, many are living on less than $25,000 or $35,000 a year, while the cost of housing, groceries, medication and essential services continues to rise. Bill C‑261 is a matter of fairness, respect and dignity. It is also a concrete response to the risks of homelessness, poverty among senior women, isolation, economic violence and the loss of purchasing power. We have a duty to correct the injustice created between seniors aged 65 to 74 and seniors aged 75 and over. For that reason, the Bloc Québécois encourages all parliamentarians to support this bill and send a clear message to seniors that they matter, that they have contributed and that they deserve to live and age with dignity. I seriously urge us to put an end to this injustice and show some dignity in the House. I hope there will be Liberals who will fight to challenge the party line and vote in favour of this bill.

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