Just Ask: How Do I Apply for Seniors’ Benefits in BC?
Hayley Toth | Sunshine Coast Resource Centre
Did you know many older adults in British Columbia are missing out on financial supports that could help them afford housing, transportation, medications, and other essential expenses? Many people are unaware of what is available or assume they do not qualify and do not apply. As a result, thousands of eligible Canadians do not receive benefits they are entitled to, leaving money and supports unclaimed.
Canada’s retirement income system includes Old Age Security (OAS), the Guaranteed Income Supplement (GIS), and the Canada Pension Plan (CPP). OAS provides a monthly payment to most Canadians aged 65 and older who meet residency requirements, while CPP provides retirement income based on contributions made during a person’s working years. GIS is an additional monthly benefit for low-income seniors who receive OAS and can significantly increase monthly income for those who qualify.
Receiving OAS and GIS may also make you eligible for other provincial supports. The BC Bus Pass Program (1-866-866-0800) provides eligible seniors with bus passes for a reduced rate of $45 per calendar year. Fair PharmaCare helps reduce the cost of prescription medications. Seniors who rent their homes may qualify for SAFER (Shelter Aid for Elderly Renters), which provides monthly financial assistance for rental costs. Homeowners may be eligible for the Property Tax Deferment Program, which allows them to defer payment of their annual property taxes and not pay until the property is sold or ownership transferred although interest does apply. Some low-income seniors may also receive the BC Senior’s Supplement, which provides additional monthly payments from the BC government to top-up your federal income.
Many people are not aware that these benefits are not always provided automatically. In most cases, you must apply. For OAS, GIS, and CPP, applications can be submitted online through Service Canada, but paper applications are also available. If you do not have access to a computer, you can request paper application forms by calling 1-800-622-6232 or visiting the Service Canada office (5498 Wharf Avenue, Sechelt – Thursdays 9:30am-12pm; 1-3pm). Once completed, paper applications can be mailed to Service Canada. Processing times vary, but most federal applications take several weeks, so it is helpful to apply early—especially if you are approaching age 65.
Provincial programs each have their own application process. Fair PharmaCare requires registration with the Province of British Columbia and can be completed online, by phone (1-800-663-7100), or with assistance from a service provider. Applications for SAFER, the BC Bus Pass Program, and Property Tax Deferment can be completed using paper forms that can be mailed in. In most cases, you will need information such as your Social Insurance Number, proof of income (previous year tax return), identification, and details about your housing situation. Some programs also require annual renewals or updates, so it is important to keep your information current to avoid interruptions in benefits. Common issues that delay applications include missing signatures, outdated forms, or incomplete income information—small details that can slow down processing but are easy to avoid with support.
The application process can feel overwhelming, especially when each program has its own eligibility rules and forms. Many people are unsure where to begin or worry about making a mistake. The good news is that help is available. The Resource Centre supports seniors in understanding which benefits they may be eligible for, provides printed application forms, assists with completing paperwork, helps gather required documents, and can help submit applications. If you or someone you know would like support accessing seniors’ benefits, we encourage you to contact the Resource Centre. Our office at 5674 Cowrie Street in Sechelt is open for drop‑in visits from 10 a.m. to 3 p.m., with appointments recommended to ensure we can assist you. You can also reach us by phone at 604‑885‑4088 or by email at help@resourcecentre.ca. A little assistance with the application process can lead to meaningful savings and supports that help you stay healthy, independent, and connected.