I'm No Hero...never was...I'm just an old killer... CoD OAP Clan. In common parlance, a pensioner is a person who has retired, and now collects a pension. This is a term typically used in the United Kingdom; someone of pensionable age may also be referred to as an 'old age pensioner', or OAP. In many countries, increasing life expectancy has led to an expansion of the numbers of pensioners, and we are now a growing political force.