Saskatchewan Senior Credits & Benefits (2025 Guide)

Saskatchewan seniors enjoy a range of provincial and federal tax credits, benefits, and targeted supports to help with living costs, prescription drugs, property taxes, and retirement income. This guide covers every major Saskatchewan senior benefit, how to qualify, step-by-step claim guidance, and how to coordinate provincial and federal supports for the best results. Whether you are a retiree, a low-income senior, or a family assisting a senior relative, this resource outlines all key opportunities to reduce expenses and maximize available credits.

Saskatchewan Income Plan (SIP)

What is SIP?
SIP is a monthly benefit paid by the province to low-income seniors who receive the federal Old Age Security (OAS) and Guaranteed Income Supplement (GIS). It tops up income for those with the lowest means, making Saskatchewan one of the most supportive provinces for low-income retirees.
Eligibility:
- Must be 65+ and live in Saskatchewan.
- Must receive OAS and GIS.
- Income-tested, with maximum benefit for the lowest-income seniors; phased out as GIS increases.
How to Apply:
No separate application is required if you receive GIS and live in Saskatchewan. The province automatically enrolls eligible seniors based on federal data. If you believe you are eligible but not receiving SIP, contact SIP directly (see SIP program page).
How Much?
Up to about $330/month (2025, indexed), less if GIS is higher. Paid on the same schedule as OAS/GIS.

Tip: File your tax return every year, even if you have no income, to ensure continued eligibility for GIS and SIP.

Saskatchewan Seniors' Drug Plan

What is it?
The Seniors' Drug Plan caps prescription drug costs for eligible seniors at $25 per prescription for drugs covered by the provincial formulary.
Eligibility:
Age 65+, resident of Saskatchewan, enrolled for OAS/GIS. Income threshold applies (about $72,000 for singles, $82,000 for couples in 2025—see official site for updates).
How to Apply:
Complete a Seniors' Drug Plan application (available at pharmacies or online at Seniors Drug Plan). Provide proof of age and residency.
What is covered?
Most prescription drugs on the provincial formulary, plus some supplies for chronic conditions. Does not cover all medications—review the formulary online.

Tip: Combine the Seniors' Drug Plan with federal medical expense credits for out-of-pocket costs not covered.

Saskatchewan Property Tax Deferral & Relief Programs

What is it?
Municipal property tax deferral programs allow eligible seniors to defer payment of property taxes on their principal residence, reducing cash flow pressure during retirement.
Eligibility:
Varies by municipality, but typically requires you to be age 65+ and own/occupy your home. Some towns/cities may have income or asset limits.
How to Apply:
Contact your local city/municipal office for application forms and eligibility. Proof of age, residency, and property ownership will be required.
Other Senior Property Supports:
Some municipalities offer additional grants or credits for seniors, low-income homeowners, or those with disabilities. Always check your local city/town for the latest programs and deadlines.

Tip: Deferred property taxes are typically paid when the home is sold or ownership transfers. Interest may apply. Clarify terms with your municipality.

Retirement Income Tax Credits for Saskatchewan Seniors

Federal Age Amount:
All Canadians 65+ can claim a non-refundable federal age amount tax credit, income-tested and claimed on your federal return. Saskatchewan has no additional provincial age amount.
Pension Income Amount:
Seniors with eligible pension income (including RRIF, annuities, and workplace pensions) may claim a federal and provincial pension income tax credit. Amounts are standard, but may be split with a spouse for tax savings.
RRSP/RRIF Withdrawals:
RRSP withdrawals are fully taxable. Consider timing withdrawals to minimize tax. RRIF minimums apply at age 71.

Tip: Pension income splitting can allow couples to reduce overall tax by allocating up to 50% of eligible pension income to the lower-income spouse.

Home Repair & Adaptation Grants for Saskatchewan Seniors

Saskatchewan Home Repair Program (SHRP) – Adaptation for Independence:
Provides forgivable loans or grants to low/moderate-income seniors and people with disabilities to make home adaptations for safety, accessibility, and independence (e.g., grab bars, ramps, stair lifts, bathroom alterations).
Eligibility:
Age 65+, own/occupy your home, meet income/asset thresholds, and require adaptations due to aging or disability.
How to Apply:
Apply via Saskatchewan Housing Corporation (official site), including proof of income, property, and medical need. Approval and inspection required before work begins.

Tip: Combine SHRP with the federal Home Accessibility Tax Credit for larger projects.

Claiming and Stacking Provincial & Federal Credits

Always file your federal and Saskatchewan tax returns, even with no taxable income, to trigger automatic enrollment for most senior benefits.
Stack SIP, GIS, Age Amount, Pension Income Amount, and medical/accessible home credits for maximum support.
Keep all documentation: OAS/GIS notices, prescription receipts, proof of home adaptations, property tax statements, and grant/deferral approvals.
Consult a tax expert or community senior service office for help with complex situations (e.g., blended families, new immigrants, disability, or caregiving).

Frequently Asked Questions (FAQ)

Do I need to apply for SIP every year?

No. As long as you receive OAS/GIS and live in Saskatchewan, you will be automatically considered for SIP. However, you must file your tax return each year to avoid interruption of GIS and SIP payments.

How do I claim the Age Amount?

The federal Age Amount is claimed automatically when you file your federal tax return and report your birthdate. If your income is too high, the amount may be reduced or eliminated. There is no Saskatchewan provincial age amount.

Can I get both the Seniors Drug Plan and other drug coverage?

Yes, but Seniors Drug Plan will be your primary payer for covered drugs. You can coordinate with private insurance for additional coverage or non-formulary drugs.

Are there special credits for senior renters?

Renters can claim the Saskatchewan Low-Income Tax Credit (SLITC) if eligible. Some municipalities may have rent relief or property tax credits for seniors—ask your local office.

What documents should I keep for audit?

Retain OAS/GIS/SIP letters, prescription receipts, tax returns, property tax statements, home adaptation invoices, and all grant/deferral correspondence for at least 7 years.