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What is the max he can take our of RRIF without losing pension and OAS?. What is the max he can take our of RRIF without losing pension and OAS?. The Old Age Security (OAS) pension recovery tax is based on total income, not just withdrawals from a Registered Retirement Income Fund (RRIF). Speak to a registered financial advisor or tax professional to learn how the rules apply and to calculate this number based on a full review of your fathers financial information.