In 2025, Canadian seniors will benefit from a significant financial boost, with eligible individuals potentially receiving up to $2,350 per month through the Old Age Security (OAS) and Guaranteed Income Supplement (GIS) programs.
However, not everyone will qualify. This article explains the eligibility requirements, payment breakdown, and how to apply for these benefits.
Understanding OAS and GIS Programs
The OAS and GIS programs are key components of Canada’s retirement income system, particularly for seniors with limited income.
These benefits are designed to help elderly Canadians live more comfortably during retirement, but not everyone is entitled to the full amount. Here’s a closer look at the eligibility criteria and payment amounts.
| Program | Eligibility | Maximum Monthly Payment (2025) | Income Threshold |
|---|---|---|---|
| OAS | Age 65+, Canadian resident for 10+ years | $727.67 (65–74), $800.44 (75+) | Income below $142,609 (age 75+) |
| GIS | OAS recipients with low income | Up to $1,086.88 | Single: Below $22,056 |
| Combined Total | OAS + GIS combined for low-income seniors | Up to $2,350.32 | Based on income & marital status |
What is Old Age Security (OAS)?
Old Age Security (OAS) is a monthly payment provided to seniors aged 65 and older.
Unlike the Canada Pension Plan (CPP), which is based on employment history and contributions, OAS is funded by tax revenues and is available to all seniors who meet the residency requirements.
OAS Eligibility Criteria
To qualify for OAS in 2025, seniors must meet the following criteria:
- Age: 65 years or older
- Residency: Be a Canadian citizen or legal resident
- Lived in Canada for at least 10 years after turning 18 (for a partial pension)
- Lived in Canada for 40 years after age 18 (for a full pension)
- Seniors living abroad may still qualify if they meet residency rules or have agreements with other countries.
OAS Payment Amounts in 2025
OAS payments are adjusted quarterly for inflation. The following are the maximum monthly amounts for 2025 (January to March):
- Ages 65 to 74: $727.67
- Ages 75 and older: $800.44
However, if your income exceeds $86,912, your OAS will be subject to a recovery tax (clawback). For 2025:
- Clawback at $142,609 (ages 65–74)
- Clawback at $148,179 (ages 75+)
What is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement (GIS) is a non-taxable monthly payment designed to help low-income seniors who are already receiving OAS. It provides additional financial support to those who need it most.
GIS Eligibility Criteria
To be eligible for GIS, individuals must:
- Be receiving OAS
- Be 65 years or older
- Live in Canada
- Have an income below specific thresholds, based on marital status:
| Marital Status | Income Threshold (2025) |
|---|---|
| Single, widowed, or divorced | Less than $22,056 |
| Married/common-law (both receiving OAS) | Combined income under $29,136 |
| Married/common-law (one receives OAS) | Combined income under $52,848 |
GIS Payment Amounts in 2025
The maximum GIS amounts for January to March 2025 are:
- Single: $1,086.88
- Spouse (both receiving OAS): $654.23
- Spouse (one receiving OAS): Up to $1,086.88
Applying for OAS and GIS in 2025
Automatic Enrollment
If Service Canada already has your information, you may be automatically enrolled for OAS and will receive a letter a few months before turning 65.
Manual Application
If you do not receive a letter, you must apply manually:
- Online: Use your My Service Canada Account to apply online.
- By Mail: Complete ISP-3000 and mail it to the appropriate address.
Note: GIS applications are not automatic. You must apply each year unless your taxes are filed on time, allowing the CRA to calculate your eligibility.
What Does the $2,350 Figure Refer To?
The $2,350 direct deposit refers to the combined total of the OAS and GIS payments for a single senior aged 75+ who qualifies for both programs:
- OAS (75+): $800.44
- GIS (Single): $1,086.88
- Other benefits (provincial top-ups, supplements): May add another $300–$400 depending on location.
However, this amount is not guaranteed for all seniors. It is reserved for low-income seniors who meet the strict eligibility requirements for both programs.
Additional Programs for Seniors Aged 60–64
For seniors aged 60–64, there are additional programs to provide financial assistance:
- Allowance for People Aged 60–64:
- For those whose spouse or partner receives OAS and GIS
- Combined income must be under $40,800
- Maximum monthly payment: $1,381.90
- Allowance for the Survivor:
- Available to widows/widowers aged 60–64
- Income must be below $29,112
- Maximum monthly payment: $1,647.34
OAS and GIS Payment Dates for 2025
OAS and GIS payments are typically made on a monthly basis, with early payment dates in 2025 as follows:
- January 29
- February 26
- March 27
- April 28
- May 28
Ensure that your direct deposit details with Service Canada are up-to-date to avoid any delays.
The OAS and GIS programs provide much-needed financial assistance for seniors in Canada, with the potential for significant monthly payments in 2025.
Understanding the eligibility requirements and how to apply is crucial to ensure that you or your loved ones receive the benefits they are entitled to.
Be sure to keep your information up-to-date and apply early to maximize your chances of qualifying for these valuable payments.
FAQs
Who is eligible for the $2,350 payment in 2025?
The $2,350 payment is for single seniors aged 75+ who qualify for both OAS and GIS and meet the income criteria.
How do I apply for OAS and GIS?
You can apply online through your My Service Canada Account or by completing the ISP-3000 form and mailing it in. GIS requires annual application unless taxes are filed on time.
Will everyone receive the full $2,350?
No, only low-income seniors aged 75+ who meet both the OAS and GIS eligibility criteria will receive the full amount.