Canadian seniors are set to receive a significant Old Age Security (OAS) payment increase in June 2025, with monthly amounts rising to $727 and $800 depending on age.
This increase reflects adjustments made to keep up with the cost of living, and it’s part of the government’s efforts to provide financial security for seniors across the country.
This guide breaks down the new payment amounts, eligibility rules, payment dates, GIS integration, and how to ensure you’re receiving the full benefits.
What is the Old Age Security (OAS) Program?
The Old Age Security (OAS) is a monthly taxable pension available to most Canadians aged 65 and older. Unlike employment-based pensions, OAS is based on age and residency, not employment history.
It includes:
- Base OAS pension
- Guaranteed Income Supplement (GIS) for low-income seniors
- Allowances for spouses aged 60–64
- A 10% top-up for seniors aged 75 and above
Why Are Payments Increasing in June 2025?
The OAS benefit is reviewed quarterly and adjusted to reflect inflation. For June 2025, the new monthly amounts are:
- $727.00 for seniors aged 65–74
- $800.00 for seniors aged 75+ (includes permanent 10% top-up)
These updates aim to improve income support and match rising expenses for aging Canadians.
Who Is Eligible for the $727 and $800 Payments?
To receive the increased OAS in June 2025, you must meet these eligibility criteria:
| Requirement | Details |
|---|---|
| Age | 65 or older by June 30, 2025 |
| Legal Status | Canadian citizen or legal resident |
| Residency | Lived in Canada for 10+ years after age 18 |
| Income Threshold | Less than $90,997 to avoid clawbacks |
| Bonus for 75+ | $800 payment begins automatically at age 75 |
No application is needed for the top-up if you’re already receiving OAS and turn 75.
OAS Payment Table for June 2025
| Age Bracket | Monthly OAS Payment | Annual Total | Top-Up Included |
|---|---|---|---|
| 65–74 | $727.00 | $8,724.00 | No |
| 75+ | $800.00 | $9,600.00 | Yes (10% increase) |
These amounts are standard and may vary slightly with province-based supplements or GIS eligibility.
GIS Top-Up – How It Works With OAS
The Guaranteed Income Supplement (GIS) is a non-taxable amount added to OAS for low-income seniors. Here’s how OAS and GIS work together:
| Status | OAS | GIS | Total Monthly |
|---|---|---|---|
| Single, 65–74 | $727.00 | $1,065.47 | $1,792.47 |
| Single, 75+ | $800.00 | $1,065.47 | $1,865.47 |
| Couple (each, 65–74) | $727.00 | $641.35 | $1,368.35 |
| Couple (each, 75+) | $800.00 | $641.35 | $1,441.35 |
GIS eligibility is based on income reported through your tax return.
When Will You Receive the June 2025 OAS Payment?
The official June 2025 payment date is:
Monday, June 24, 2025
If you’re enrolled for direct deposit, your account will be credited by midnight. Paper cheques may take 3–5 business days to arrive.
How to Receive the OAS Payment
To ensure you receive the payment:
- Apply 6 months before turning 65 (unless you’ve been auto-enrolled)
- Keep your banking and address details up to date
- Ensure your tax returns are filed
- No need to reapply for the $800 top-up at 75 — it’s automatic
Clawback for High-Income Earners
The OAS Recovery Tax (clawback) applies if your income exceeds $90,997. For every $1 over the limit, 15 cents is deducted from your OAS. OAS is fully clawed back at an income level near $148,000.
The new OAS benefit rates of $727 and $800 arriving in June 2025 bring meaningful financial support to Canadian seniors.
Whether you’re newly retired or approaching 75, these updated amounts—combined with GIS—ensure better coverage against rising living costs. Make sure your personal and tax information is current to receive these benefits on time and in full.
FAQs
Do I need to apply again to receive the $800 payment when I turn 75?
No. If you’re already receiving OAS, the $800 top-up starts automatically when you turn 75.
What happens if my income is too high?
If your annual net income exceeds $90,997, part or all of your OAS may be reduced through the OAS Recovery Tax.
Will these payments affect my eligibility for other senior benefits?
OAS may affect some income-tested benefits, but it generally enhances eligibility for provincial and health-related senior programs.