Ash Smith
As retirees navigate rising living costs in 2025, the Canadian government has rolled out updated Old Age Security (OAS) and Guaranteed Income Supplement (GIS) benefits—bringing monthly income support up to $2,733 for eligible seniors.
Whether you’re already receiving Old Age Security or planning to apply soon, now is the time to understand what’s changed, how much you could receive, and when payments arrive.
Here’s a comprehensive guide to the 2025 OAS and GIS benefit structure, including eligibility criteria, boosting strategies, and the payment schedule.
Overview: What You Can Receive in 2025
In 2025, seniors may receive:
| Benefit Type | Monthly Amount (2025) |
|---|---|
| Basic Old Age Security Payment | Up to $1,790 |
| Guaranteed Income Supplement (GIS) | Up to $943 |
| Maximum Monthly Total | Up to $2,733 |
This updated benefit structure provides a vital financial lifeline, especially for seniors with limited income or savings.
What’s New in 2025?
OAS and GIS have been adjusted for inflation, providing increased support amid growing economic pressures. These changes include:
- Higher base Old Age Security rates to reflect the cost-of-living increase
- Expanded GIS eligibility and higher monthly supplements
- Faster processing systems and improved communication through Service Canada
Seniors who qualify for both programs can now receive up to $2,733 per month, the highest combined monthly benefit to date.
Are You Eligible for These Payments?
Age Requirement
You must be 65 years or older to start receiving Old Age Security. Early access is not allowed.
Residency Rules
To qualify for full Old Age Security benefits, you must have lived in Canada for at least 40 years after turning 18. Partial benefits are available if you’ve lived in Canada for a minimum of 10 years.
Even if you currently live abroad, international agreements may still allow you to receive Old Age Security.
Income Limits
OAS is reduced for individuals earning over $87,000 per year through the Old Age Security Recovery Tax (clawback). Careful income management is crucial to avoid reductions.
For GIS, single seniors earning less than $20,952 annually (or couples with slightly higher limits) may be eligible for up to $943 monthly in additional support.
How to Boost Your OAS Benefits in 2025
Here are ways to maximize your retirement income under the OAS and GIS programs:
Maximize Residency Years
Ensure you’ve lived in Canada long enough post-age 18 to qualify for full benefits. Partial benefits are prorated based on your years of residency.
Apply for GIS
If your income is low, applying for GIS can provide an extra $943 per month. This benefit is income-tested and designed specifically for lower-income seniors.
Delay OAS to Age 70
You can defer OAS payments up to age 70. For every month delayed, benefits increase by 0.6%, totaling up to 36% more if delayed the full 5 years.
Avoid the Clawback
To avoid the OAS clawback:
- Keep taxable income below $87,000
- Use a TFSA over an RRSP for tax-free income
- Consider splitting pension income with your spouse
- Withdraw RRSPs early before starting OAS
Staying below the threshold ensures you receive full monthly benefits.
OAS & GIS Payment Schedule for 2025
Payments are typically made on the last three business days of each month. Below is the tentative OAS payment schedule for 2025:
| Month | Payment Date |
|---|---|
| January | January 30, 2025 |
| February | February 27, 2025 |
| March | March 28, 2025 |
| April | April 29, 2025 |
| May | May 29, 2025 |
| July | July 30, 2025 |
| August | August 28, 2025 |
| September | September 29, 2025 |
| October | October 30, 2025 |
| November | November 27, 2025 |
| December | December 30, 2025 |
Ensure your direct deposit details are up-to-date with Service Canada to receive your funds without delay.
With up to $1,790 in OAS and an additional $943 in GIS, 2025 could be your most financially stable retirement year yet.
These payments are a lifeline for Canadian seniors, especially those with limited or no private pensions.
To make the most of it, understand your eligibility, take steps to maximize benefits, and always keep your income below clawback thresholds where possible. Retirement isn’t just about savings—it’s about knowing how to work the system in your favour.
FAQs
How much can I receive in total OAS and GIS benefits in 2025?
Eligible seniors may receive up to $2,733 per month, combining $1,790 OAS and $943 GIS.
Who qualifies for GIS in 2025?
Single seniors earning below $20,952 annually or couples under the adjusted income limit can receive up to $943 per month.
When will I receive my OAS payments in 2025?
Payments are made monthly, with dates like January 30, February 27, and March 28, continuing through to December 30, 2025.