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How do I enter my Canada Pension Plan (CPP) or Old Age Security (OAS) benefits?

by TurboTax•365• Updated 1 month ago

Per IRS Publication 915:

Under income tax treaties with Canada and Germany, Social Security benefits paid by those countries to US residents are treated for US income tax purposes as if they were paid under the Social Security legislation of the United States.

In other words, if you're a US resident, you'd enter your Canadian CPP and OAS benefits as though you'd received a Form SSA-1099 from the Social Security Administration.

The U.S.-Canada tax treaty also applies to the Québec Pension Plan (RRQ). Note that the agreement only addresses government-issued Social Security benefits, not money received from private Canadian pensions.

  1. Open or continue your return.
  2. Navigate to the SSA-1099 section:
    • TurboTax Online/Mobile: Go to SSA-1099.
    • TurboTax Desktop: Search for SSA-1099, then select the Jump to link.
  3. On the Did you receive Social Security or Railroad Retirement benefits? screen, select Yes.
  4. On the Tell us about the benefits you received screen, check the first box for Social Security benefits (Form SSA-1099).
  5. Enter the total Canadian CPP and OAS payments you received during 2024 in Box 5.
    • If you already have something in Box 5 from a previously entered SSA-1099, add your CPP/OAS benefits to the amount already there.
    • In the uncommon situation where taxes were withheld from your payments, enter the total withheld during 2024 in Box 6.
  6. Select Continue and follow any additional instructions.