In 2025, low-income seniors in Canada will benefit from a significant financial boost through the Old Age Security (OAS) and Guaranteed Income Supplement (GIS) programs.
These programs are designed to help seniors with limited income cover their essential living costs, including housing, food, and healthcare. The $1580 monthly benefit combines OAS and GIS to ensure financial support for seniors facing economic hardships.
This article outlines the eligibility criteria, payment schedule, and detailed information on how seniors can qualify for these benefits.
Whether you’re a senior preparing for retirement or assisting an elderly family member, this guide will provide all the necessary details to understand the Old Age Security and GIS benefits.
What is OAS and GIS?
The Old Age Security pension is a monthly payment provided to Canadian seniors aged 65 and older. It is a non-contributory benefit, meaning you do not need to have worked or contributed to the Canada Pension Plan (CPP) to be eligible.
The Guaranteed Income Supplement (GIS) provides additional financial assistance to low-income seniors already receiving Old Age Security. It ensures that seniors with little or no income can afford basic necessities.
$1580 OAS Benefit for Low-Income Seniors
As of 2025, eligible seniors can receive a maximum combined amount of $1580 per month from Old Age Security and GIS benefits. The amount is designed to provide substantial support, especially for seniors who rely on government pensions to meet their basic needs.
OAS and GIS Benefit Overview
| Feature | Details |
|---|---|
| Program Name | Old Age Security (OAS), Guaranteed Income Supplement (GIS) |
| Maximum Benefit | Up to $1580/month (Old Age Security + GIS combined) |
| Eligibility Criteria | Seniors aged 65+, low-income seniors, and spouses aged 60-64 |
| Income Threshold | Varies by marital status; single seniors must earn below $22,056/year |
| Payment Schedule | Last three business days of each month (e.g., March 27) |
| Official Website | Canada.ca |
Eligibility Criteria for OAS and GIS
To qualify for Old Age Security, seniors must meet the following criteria:
- Age: 65 years or older.
- Residency: Must be a Canadian citizen or legal resident.
- Residency Duration: Must have lived in Canada for at least 10 years after turning 18. If living outside Canada, at least 20 years of residency after turning 18 is required.
For the Guaranteed Income Supplement (GIS), the eligibility is based on income and marital status:
- Single Seniors: Annual income below $22,056 to qualify.
- Married Seniors (Both Receiving Old Age Security): Income below $29,136 to qualify.
- Married Seniors (One Receiving Old Age Security): Income below $52,848 to qualify.
- Seniors Receiving the Allowance: Income below $40,800.
How Much Can Seniors Receive from OAS and GIS?
As of 2025, seniors can receive the following maximum amounts:
- OAS:
- $727.67/month for seniors aged 65-74.
- $800.44/month for seniors aged 75+.
- GIS:
- $953.26/month (maximum amount) for low-income seniors.
Thus, a senior receiving both Old Age Security and GIS could receive a combined total of up to $1580.93 per month, depending on their income and eligibility.
How to Apply for OAS and GIS Benefits
The Old Age Security and GIS programs are automatically available to most seniors who meet the eligibility criteria. However, seniors who have not applied or are unsure about their eligibility should take the following steps:
- Ensure Eligibility: Verify that you meet the residency, age, and income criteria.
- File Tax Returns: Ensure you have filed your taxes for the previous year as the government uses this information to determine your GIS benefits.
- Register: If not automatically enrolled, seniors can apply online through the Government of Canada’s website or contact Service Canada.
- Direct Deposit: To ensure timely payments, seniors should set up direct deposit through the Service Canada portal.
OAS and GIS Payment Schedule for 2025
Payments for Old Age Security and GIS are issued on the third-to-last business day of each month. For 2025, here are the expected payment dates:
| Month | Payment Date |
|---|---|
| January | 29th |
| February | 26th |
| March | 27th |
| April | 28th |
| May | 28th |
| June | 26th |
| July | 29th |
| August | 27th |
| September | 25th |
| October | 29th |
| November | 26th |
| December | 22nd |
The Old Age Security and GIS programs provide crucial financial assistance for low-income seniors in Canada. With $1580/month available for eligible individuals, these programs are designed to help seniors maintain a decent quality of life. Seniors should ensure their eligibility and update their information to receive payments on time.
FAQs
Who is eligible for the OAS and GIS benefits?
OAS is available to seniors aged 65 and older. GIS is for low-income seniors who are receiving OAS and meet specific income thresholds.
How much can I receive from the Old Age Security and GIS programs?
Seniors can receive up to $1580 per month in total benefits, depending on eligibility and income levels.
When will I receive my Old Age Security and GIS payments?
Payments are made on the third-to-last business day of each month. For example, March 2025 payments are expected on March 27th.
Show me the money.
And hope it’s not income taxable.
Retired and senior.
Wow
Can’t live on pension money.
This is nothing but lies there is no extra money for seniors coming nothing but lies are posted on this website if seniors got all the extra money posted we be very rich.
Now I’m older, have a question.
What about the years worked i was taxed. Govt just keep that money.
For me it was 10 years working paying taxs.
We wait until 25 years old before we can claim anything.
I’ll take a lump sum for that money deducted.
Is that on top of what we currently recieve
I thought Trudeau stepped down.Why is he still putting crap on face book.