Chief Actuary of Canada publishes the study, Old Age Security Program Mortality Experience: Actuarial Study No. 17

News Release

For Immediate Release

OTTAWA – June 29, 2016 – Office of the Chief Actuary of Canada

In 2013, the life expectancies at age 65 for Old Age Security (OAS) beneficiaries are 18.9 years for males and 21.8 years for females. These are 2.8 years and 1.9 years higher than observed in 1999, according to the Old Age Security Program Mortality Experience: Actuarial Study No. 17 by the Office of the Chief Actuary of Canada (OCA). The study is the third mortality study published by the OCA on OAS Program beneficiaries.

This study also shows that in 2013, beneficiaries with low income live on average about 2 and half years less than those with higher income. The differential in life expectancies at age 65 by level of income has shown little variability over the last 15 years.

In 2013, at age 65, married males live on average 3.5 years longer than single males, while married females live on average 2.2 years longer than single females.

In addition, OAS beneficiaries born outside of Canada have greater life expectancies at age 65 than those born in Canada. In 2013, the differentials at age 65 are 1.9 years for males and 1.8 years for females. Several factors, including medical and employability screening prior to entry to Canada, as well as cultural and lifestyle characteristics, may be used to explain the greater life expectancies of immigrants and their relative better health compared to OAS beneficiaries born in Canada.


“Older Canadians are living longer but the growth in life expectancy of 1.6 months per year over the most recent period from 2010 to 2013 has been lower than the 2 months per year experienced over the previous decade. Similar trends have been observed in the United States and in the United Kingdom. However, it is too early to know if the recent shift to lower mortality improvements is permanent or if mortality improvements will return to levels more in line with prior years”, says Jean-Claude Ménard, Canada’s Chief Actuary.

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About OCA

The Office of the Chief Actuary operates independently within the Office of the Superintendent of Financial Institutions (OSFI) and provides actuarial services for key government plans and programs such as the Canada Pension Plan, Old Age Security, Employment Insurance, Canada Student Loans Program, and pension and benefit plans that cover public servants, Members of Parliament, and the RCMP among other groups.

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