Nylie Nelson
As inflation and the cost of living continue to burden many Canadians, especially seniors, the Canadian government has approved updated July 2025 payments for the Old Age Security (OAS) and Guaranteed Income Supplement (GIS) programs.
These payments offer essential monthly financial assistance to low-income seniors and those aged 65 and above, helping them cover necessities like food, rent, and medical bills.
Let’s break down the updated amounts, eligibility rules, payment dates, and what you need to know to ensure you don’t miss your payment.
When Are the OAS and GIS Payments Coming in July 2025?
The Canada Revenue Agency (CRA) and Service Canada have confirmed that OAS and GIS benefits for July 2025 will be distributed on July 29, 2025.
- Direct deposit recipients will receive the money on the same day.
- Cheque recipients may experience delays, receiving their payment by the first week of August, depending on Canada Post delivery times.
Tip: To receive payments faster, seniors are advised to enroll in direct deposit via their My Service Canada Account (MSCA).
Updated Monthly OAS and GIS Payment Amounts – July 2025
The July 2025 amounts have been adjusted based on the Consumer Price Index (CPI) to reflect inflation.
| Age Group | Maximum Monthly OAS | Maximum GIS (Single) | Maximum GIS (Spouse on OAS) |
|---|---|---|---|
| 65–74 years | $713.34 | $1,065.47 | $641.23 |
| 75+ years | $784.67 | $1,065.47 | $641.23 |
The higher OAS amount for those 75 and older reflects an enhancement introduced in 2022.
Eligibility Criteria for OAS and GIS (July 2025)
To qualify for these benefits in July 2025, individuals must meet specific age, residency, and income conditions.
OAS Eligibility:
- Must be 65 years or older
- Be a Canadian citizen or legal resident
- Must have resided in Canada for at least 10 years after age 18
GIS Eligibility:
- Must be receiving OAS
- Meet low-income thresholds as determined by 2024 income
- Must have filed a 2024 tax return
Note: Failure to file a tax return may result in suspension of GIS benefits.
What’s New for 2025?
In addition to the updated benefit amounts, seniors can benefit from digital service improvements, including:
- Real-time access to payment records
- Alerts for payment delays or account issues
- Ability to update banking or mailing info online
- New tools to help manage income updates and verify GIS eligibility
This digital push helps reduce paperwork and improves accessibility for seniors and caregivers managing pension benefits.
Why OAS and GIS Are Crucial Right Now
In today’s economic environment, many Canadian seniors rely heavily on OAS and GIS payments. These benefits:
- Prevent poverty among older Canadians
- Help maintain financial independence
- Are often supplemented by provincial benefits like:
- Ontario GAINS
- Alberta Seniors Benefit
- BC Senior’s Supplement
These programs work together to offer a more secure and stable retirement.
How to Track and Manage Your Benefits
Seniors should actively use the My Service Canada Account (MSCA) to:
- View payment history
- Change deposit or address details
- Receive important benefit updates
Those without online access can call Service Canada or visit a local office.
The approved $1,065 GIS and $784 OAS payments for July 2025 are key supports for millions of seniors across Canada.
By staying informed, filing taxes on time, and using digital services like MSCA, seniors can ensure they receive their full benefits on time.
FAQs
When will OAS and GIS be paid in July 2025?
OAS and GIS payments will be deposited on July 29, 2025. Direct deposit arrives the same day; cheques may take longer.
What are the new payment amounts for seniors aged 75+?
Seniors 75+ will receive up to $784.67 OAS and $1,065.47 GIS if they qualify based on income.
Do I need to file taxes to receive GIS?
Yes, GIS eligibility is based on your 2024 tax return. Failing to file may suspend payments.