“Our government targets support to the seniors who need it most. That is why we raised pensions for people 75 and older, who face higher costs and are more likely to run out of savings. We also support seniors through grocery rebates and community grants.”

“Mr. Speaker, I rise today to speak to Bill C-261 and to highlight the supports that the Government of Canada provides to seniors across the country. After a lifetime of hard work, of investing in and building our country, Canadians unquestionably deserve to retire free from the anxiety of struggling to make ends meet. This became even more pressing in recent years. Canada and the rest of the world witnessed a rupture of unprecedented scale: a global pandemic, disrupted supply chains, overseas wars and an unstable international order. These events have all contributed to the rising cost of living, with seniors often among the most affected. That is why the federal government is taking measures to make retirement even more affordable for Canadians. We have implemented targeted measures, such as the Canada groceries and essentials benefit, which will be deposited into Canadians’ bank accounts starting Friday. This benefit will provide additional support to approximately three-quarters of seniors living alone. At the same time, Canada has one of the most reliable public pension systems in the world. This system includes old age security, which is available to all Canadians aged 65 and older, as well as the guaranteed income supplement, which provides additional support to low-income seniors who receive an OAS pension. However, we know that as people age, their income tends to decrease, while certain expenses may increase, particularly health care costs. This situation is made all the more difficult by dint of the fact that seniors have fewer opportunities to increase their income through work. Many are therefore at risk of depleting their savings over time. That is why, in 2022, the Government of Canada introduced a 10% increase in OAS for seniors aged 75 and older. We are directing support to the seniors who need it most, while recognizing that the oldest Canadians often face distinct socio-economic challenges and greater financial vulnerability. This decision was based on data and helps avoid lumping all older adults into the same category. Evidence tells us that seniors over the age of 75 are more likely to be in vulnerable financial circumstances and more likely to need support. The decision to increase OAS by 10% was in recognition of the more precarious life circumstances that happen more often at age 75 and upwards. Let us crunch the numbers to get a more detailed view. In 2020, more seniors aged 75 and over received the guaranteed income supplement compared to those aged 65 to 74. There are also more seniors with a disability in that age group. According to the Canadian Survey on Disability, in 2017, 47% of seniors aged 75 and over had a disability compared to 32% of seniors under 75. That is quite a jump, and one that is often associated with additional costs and financial burdens. This policy has already helped more than 3.3 million seniors. They received more than $800 extra over the first year of the increase. The benefit, of course, is indexed, and so that will continue to go up. What is more, this measure lifted almost 21,000 seniors out of poverty in 2021, and over 31,300 in 2022, the majority of whom were women. This was the right decision at the right time. It is measured, targeted and responsible. It is just as important for payments to be reliable and timely, especially for seniors who depend on them to meet their basic daily needs. By dedicating the necessary time and resources, we ensure that essential benefits continue to be paid on time, as Canadians have come to expect. This work ensures that all Canadians receive all the benefits they are entitled to, reliably and without interruption. We are strengthening programs such as old age security while ensuring that they are administered reliably and effectively, particularly for those who need them most. By 2059, seniors are expected to represent almost 25% of Canada’s population. They are the fastest-growing age group, and we need to know how best to provide support. This support has never been more important. Aside from the direct financial benefits, think about a program like New Horizons for Seniors. It makes a huge positive difference in people’s lives. It allows local community groups to provide programming to enrich the lives of seniors in their neighbourhood. It helps seniors stay connected to each other and to their community. It is about creating spaces where every senior belongs. It is about supporting projects for seniors led by seniors that help them stay active, engaged and connected. I can say that in my own riding of Toronto—St. Paul’s, we have many organizations that benefit from the New Horizons for Seniors grant, including one of my favourites, the Yonge Eglinton Community Centre, that offers a tremendous range of programs for seniors, to make sure that they are local, engaged, active, meeting with one another and ultimately healthy as they age. Since this program started in 2004, the program has funded over 45,000 projects in more than 400 communities. It reaches more than 900,000 seniors each year. Investments in the program now exceed $1 billion, and the work continues. This year, we invested $54 million to help bring more than 2,600 of those community-based projects to life. In Beauharnois—Salaberry—Soulanges—Huntingdon, the riding of the member who sponsored this bill, our government has funded 12 projects, representing a total investment of $238,000 going to seniors in her community. I am also pleased to inform the House that the latest intake cycle for the New Horizons for Seniors program opened yesterday. Organizations across Canada can now apply for grants of up to $50,000. That is double the previous maximum of $25,000 to support projects that improve the well-being of seniors and strengthen their communities. I think that, as every member of this House knows from the operation of this program in their ridings right across the country, this is exactly the type of program that is making a difference in the lives of seniors. Countless seniors talk about how the programming that comes from these grants changes their lives, has made them healthier and has made them more active in the community. It is certainly something that we continue to support wholeheartedly. Supporting older Canadians has always been a priority for this government. It will always be a priority for this government.”

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“Our government supports seniors and has already raised pensions for people 75 and older because they face the highest costs. We want to help seniors, but we must also keep the pension system affordable so it lasts for future generations.”

“Mr. Speaker, I am thankful for the opportunity to talk about an issue that matters to Canadians in every region of our country, which is how we can better support seniors and ensure they can live and age with dignity, security and independence. Seniors have helped build the Canada that we know today. They have raised families, built businesses, contributed to their communities, volunteered their time and strengthened our economy through decades of hard work. For example, in my riding of Honoré-Mercier, Italian Canadians helped build Rivière des Prairies decades ago, and with their hard work, built a strong community. While I am here, I would also like to wish Italian seniors in my riding a happy Italian Heritage Month. Seniors deserve a retirement that is secure, dignified and supported by strong public programs. Over the past several years, the federal government has taken steps to strengthen Canada’s retirement income system and improve the financial security of older Canadians. We increased the old age security pension by 10% for seniors aged 75 and over, responding to data that showed that the older people get, the more expenses they have. We have also strengthened the Canada pension plan, helping future retirees receive higher pension benefits. In fact, in the recent spring economic update, our government signalled our plans to reduce Canada pension plan contributions to 9.5%. Additionally, recognizing the rising cost of living, we provided targeted support to Canadians. Measures such as pausing the federal fuel excise tax, cutting income tax for middle-class Canadians and investing in housing, infrastructure and the economy are helping Canadians across the country no matter their age. It is important to acknowledge the intent behind Bill C-261. All members of the House share the goal of improving the well-being of seniors. For example, I think of my colleague from Winnipeg North, who is probably one of the strongest advocates for seniors and inspires us all here today. We recognize that many seniors face financial pressures and that income security remains a critical issue. However, it is also important to ensure a balanced and sustainable approach to the Canadian pension system so that it continues to benefit generations to come. When our government increased old age security by 10% for seniors aged 75 and older, that decision was informed by evidence showing that older seniors generally face greater financial vulnerability. As Canadians age, they are more likely to experience declining health, increasing health care-related expenses and reduced opportunities to supplement their income through employment. They are also more likely to outlive their savings and other retirement resources. This is a sound decision supported by data. With respect to the proposal to increase the guaranteed income supplement earnings exemption, we recognize the value of helping seniors who choose to remain in the workforce. Many older Canadians continue to work part-time, whether to supplement their income, remain active or just maintain social connections. That is why in 2019, the federal government increased the GIS work exemption to $5,000, allowing seniors to keep receiving their full pensions without being penalized for taking up some time to supplement their income. Canada’s population is aging. The number of seniors is growing rapidly, including in my own riding, and expenditures on the retirement income program continue to increase. This reality requires thoughtful policy decisions that balance the importance of our public pension system with the current workforce, which supports it and expects it to be there for them when they retire. Our government knows that supporting seniors and investing in younger Canadians are not competing priorities. We can and must do both. That is why we have supported measures such as strengthening and protecting retirement benefits for seniors while also investing in housing, skills training, education and affordability measures that help younger Canadians build secure futures and grow the economy. Every member of the House wants seniors to live with dignity and financial security. We all share a commitment to ensuring that older Canadians receive the support they need. For the generations that built this country, that commitment remains unwavering.”