Hello,
I had some questions about the handling of GIS with partial OAS and of QPP in your application that I wasn't able to answer by looking at the handbook.
1) I have heard from multiple sources that the GIS is "topped up" to achieve a certain minimum income level in the case of a partial OAS pension, even though it is hard to find documentation on this directly on the government's website. This makes the income threshold for receiving GIS higher than with a full OAS pension, and also affects taxes since GIS is not taxable while OAS is. This is explained well here: https://retirehappy.ca/receiving-partial-oas-pension-affects-gis-amounts/ Is this handled by your application? I am looking to run some calculations for my parents who have QPP and who immigrated later in life and so will get partial OAS, and wanted to make sure this would be handled correctly.
2) I also found this blog post explaining that the GIS tables don't exactly claw back GIS by 50% of marginal income, contrary to what some sources say: https://medium.com/swlh/building-a-canadian-oas-gis-calculator-efe96ddea714 Do you use the 50% clawback approximation or the actual GIS tables?
3) How do you handle the situation where someone has started QPP and still works for a significant income? Do you implement the QPP supplement?: https://www.rrq.gouv.qc.ca/en/programmes/regime_rentes/rente_retraite/Pages/supplement_rente_retraite.aspx
Thanks in advance!