Quebec Senior Credits & Retirement Benefits (2025 Guide)

Quebec seniors (aged 65+) can take advantage of a comprehensive suite of provincial and federal tax credits, direct cash benefits, and health supports that make retirement more affordable and secure. From the generous Age Amount Tax Credit to the Home-Support Services for Seniors Credit, property and housing benefits, medical expense credits, and pension income splitting, understanding these programs can help maximize your after-tax income and quality of life in retirement. This in-depth guide covers all major Quebec senior credits, eligibility, claim process, documentation, and practical stacking strategies.

1. Age Amount Tax Credit (Crédit d’impôt pour l’âge)

The Quebec Age Amount Tax Credit is a non-refundable credit for residents aged 65+ on December 31 of the tax year. It is designed to lower provincial tax for seniors and is stackable with the federal age amount.

Eligibility: Age 65 or older on December 31; resident of Quebec for tax purposes.
Claim Amount: Indexed annually (approx. $3,395 for 2025; check latest TP-1 guide). Phased out for net family income above ~$40,000 (see Revenu Québec for the current threshold).
How to Claim: Enter on line 361 of your TP-1 return. Income-tested; claim is reduced as income rises above the threshold.
Federal Stacking: Claim both the Quebec and federal age amounts for maximum benefit.

Tip: If your spouse/partner is also 65+, each can claim the credit individually. Use certified tax software to ensure proper calculation and phase-out.

2. Home-Support Services for Seniors Credit (Crédit d’impôt pour maintien à domicile des aînés)

The Home-Support Services for Seniors Credit is a refundable credit for Quebec residents aged 70+ who incur eligible expenses to remain in their home or rental unit. The credit covers a portion of costs for personal care, housekeeping, meal preparation, and more.

Eligibility: Age 70+ and reside in Quebec; applies to homeowners, renters, and those in private seniors' residences.
Eligible Expenses: Wages paid to home support workers, invoices for cleaning, snow removal, laundry, meal prep, security systems, and certain adaptation costs.
Claim Amount: 36% of eligible expenses for 2025 (indexed annually), reduced at higher incomes (individuals: phase-out begins at ~$61,000). Maximum annual limit applies.
How to Claim: Complete Schedule J and enter the amount on line 462 of your TP-1 return. Attach receipts and, for private residences, the RL-31 slip provided by the landlord/residence.
Direct Payment Option: You may apply for advance payments of this credit (monthly) via Revenu Québec, rather than waiting for your tax refund.

Tip: Even if you do not owe tax, you can receive this credit as a refund. Keep all bills and contracts for services—Revenu Québec may request proof.

3. Property and Housing Credits for Seniors

Quebec Solidarity Tax Credit: Major refundable credit with a housing component for renters and homeowners, paid monthly. Claim via Schedule D on your TP-1 return. Full guide.
Renters: Provide information about your rent, landlord, and RL-31 slip. Credit is based on rent paid, family situation, and income.
Homeowners: Provide property tax roll number and municipal tax bill information.
Municipal Property Tax Relief: Some Quebec cities offer property tax deferral or reductions for low-income seniors—check with your local municipality.
Federal Stacking: Seniors may also qualify for the GST/HST credit and the Canada Carbon Rebate (formerly CAI), paid quarterly.

Documentation: Keep all receipts, RL-31 slips, and property tax notices for at least 6 years for audit.

4. Medical Expense Tax Credit for Seniors

Both Quebec and federal governments provide a credit for eligible out-of-pocket medical expenses. For seniors, this can include prescription drugs, dental/vision care, home adaptations, mobility devices, travel for medical treatment, and more.

Threshold: You can claim the amount of medical expenses that exceeds 3% of your net family income (federal and Quebec).
How to Claim: Enter on lines 381 and 332 of your TP-1 return; for federal, use lines 33099/33199. Include spouse and dependent expenses.
Carryforward: You may use any 12-month period ending in the tax year to maximize the claim.
Tip: The lower-income spouse/partner should usually claim for a higher credit. Keep all medical receipts and prescriptions.

For more, see our Medical Expense Tax Credits Guide.

5. Pension Income Splitting & Retirement Income Credits

Pension Income Splitting: Seniors may split up to 50% of eligible pension income (RRIF, RPP, annuity) with their spouse/partner. Lowers overall family tax and may increase age/pension credits.
Pension Income Amount: Additional non-refundable credit for receiving eligible pension income. Claimed on line 123 of TP-1; federal equivalent on line 31400.
RRSP/RRIF Withdrawals: Fully taxable in the year withdrawn. Plan strategically to avoid OAS clawback and minimize tax.
OAS/GIS/CPP: Federal pensions are fully stackable with Quebec senior credits. Ensure both partners file their tax returns each year to avoid missed benefits.
Other Quebec Credits: Home Adaptation for Seniors, Home-Support for Seniors, and certain municipal rebates.

See our Medical Expense and Capital Gains Tax guides for additional retirement planning tips.

6. Caregiver and Disability Credits for Seniors

Caregiver Credit: Quebec offers several refundable/non-refundable credits for those supporting a spouse, adult child, parent, or grandparent with a disability. Claimed on lines 462 and 462.1 of TP-1.
Disability Amount: Non-refundable credit for seniors with a severe and prolonged impairment, certified by a medical professional (form TP-752.0.14). Claimed on line 376; see Quebec Health & Disability Credits.
Home Accessibility Tax Credit: Federal credit for seniors or those with a disability making eligible home renovations (ramps, lifts, walk-in showers). Claimed on the federal return.

Tip: Caregivers (including adult children supporting parents) may split or transfer unused credits—coordinate for maximum refund.

Frequently Asked Questions: Quebec Senior Credits & Benefits

Can I claim both the Quebec and federal age amount?

Yes. Both are non-refundable credits and can be claimed if you are age 65+ and meet the income thresholds. Each is claimed on its respective return: line 361 (Quebec TP-1), line 30100 (federal T1).

Do I need to apply for the Home-Support Services for Seniors Credit in advance?

No. You can claim the credit on your TP-1 return, but advance payments are available if you apply directly to Revenu Québec. If you move during the year, notify Revenu Québec to adjust your payments.

How do I claim the Quebec solidarity credit as a senior renter?

Complete Schedule D on your TP-1 return, provide your RL-31 slip (from landlord), and report all rent paid for your principal residence. The housing component is paid monthly based on this info.

Can I split my pension income with my spouse?

Yes. Up to 50% of eligible pension income can be split for both federal and Quebec tax purposes, lowering your overall family tax and potentially increasing credits.

What documentation do I need to keep for senior credits?

Keep property tax bills, rent receipts, RL-31, home service invoices, medical receipts, and caregiver/disability certificates for at least 6 years in case of audit by Revenu Québec or the CRA.

Are there credits for home adaptation or repairs for seniors?

Yes. Quebec and many municipalities offer grants or credits for home adaptations. Some costs may also be claimed as medical expenses or under the federal Home Accessibility Tax Credit.

Related Quebec & Canada-wide Senior Resources

For forms, program guides, and the latest credit amounts, visit Revenu Québec. For federal OAS/GIS/CPP info, see Federal Seniors Benefits.