Lately, there’s been widespread speculation about a possible \$2,250 Old Age Security (OAS) payment arriving in June 2025. For many Canadian seniors, this figure has sparked interest—and confusion. So, is there really a massive OAS increase coming? The short answer: yes and no.
Here’s a detailed breakdown of what the \$2,250 number really represents, who may receive it, and how it fits into Canada’s existing senior benefits structure.
No One-Time \$2,250 OAS Payment
The \$2,250 payment is not a new or special one-time deposit. Instead, it reflects the maximum combined total of two existing programs: Old Age Security (OAS) and the Guaranteed Income Supplement (GIS)—available only to low-income seniors under specific conditions.
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Here’s a quick snapshot of current 2025 rates:
| Benefit Type | Monthly Amount (2025) |
|---|---|
| OAS (ages 65–74) | \$727.67 |
| OAS (ages 75+) | \$800.44 |
| GIS (single) | Up to \$1,086.88 |
| Maximum Combined | Up to \$2,250 with top-ups |
So while some individuals may receive around \$2,250 monthly, it only applies to those who qualify for maximum OAS and GIS, possibly boosted by provincial top-ups.
How Old Age Security Works
Old Age Security (OAS) is a monthly pension provided to Canadians aged 65 and older. It’s different from CPP because it’s not based on work history. Instead, it’s determined by:
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- Age: Seniors aged 75 and above receive a higher monthly amount.
- Residency: To receive full OAS, you must have lived in Canada for at least 40 years after age 18.
- Income: Your payment decreases if your annual income exceeds \$79,000 in 2025. It’s fully clawed back if your income passes around \$142,000.
Even if you haven’t lived in Canada long enough for full OAS, you may still receive a partial benefit.
What Is the Guaranteed Income Supplement (GIS)?
GIS is a monthly, non-taxable payment that is added to your OAS if you have low or no additional income. GIS eligibility depends on:
- Your income
- Marital status
- Whether your partner also receives OAS
For single seniors, GIS can boost total monthly benefits to more than \$1,887—and with some provincial top-ups, total support can approach or exceed \$2,250.
Is the \$2,250 Monthly Payment Real?
The \$2,250 figure is accurate, but it’s not a standard OAS amount and doesn’t apply to all seniors. You might qualify for this total if:
- You’re 75 or older
- You receive full OAS
- You have little or no income aside from OAS
- You qualify for maximum GIS
- You live in a province offering additional senior support
If your income exceeds GIS eligibility thresholds or you don’t meet residency requirements, your benefit will be lower.
OAS and GIS Adjustments in June 2025
OAS and GIS amounts are reviewed quarterly—in January, April, July, and October—and adjusted based on the Consumer Price Index (CPI). While there’s no special “June increase,” the next cost-of-living adjustment could kick in during the July 2025 payment cycle.
If you’re turning 75 in 2025, your OAS amount will automatically increase from \$727.67 to \$800.44 starting the month after your birthday.
Who Qualifies for Maximum OAS and GIS?
To receive a monthly amount close to \$2,250, you must meet several criteria:
- Age 65 or older
- Lived in Canada for at least 10 years after age 18
- Filed your taxes to allow CRA to assess GIS eligibility
- Have minimal or no income aside from OAS
- Be single, or part of a low-income couple
Even small income amounts—such as private pensions or CPP—can reduce or eliminate GIS eligibility.
Additional Provincial Top-Ups
Some provinces offer additional monthly payments that supplement OAS and GIS, helping residents reach or exceed the \$2,250 mark. Examples include:
- Ontario: GAINS (Guaranteed Annual Income System)
- British Columbia, Alberta, Quebec: Offer senior supplements or tax credits
These top-ups are automatic in most cases but depend on annual tax filings and income levels.
Steps to Maximize Your OAS and GIS Benefits
If you’re nearing retirement or already receiving OAS, here’s how to make the most of your benefits:
- Apply for OAS six months before you turn 65
- Keep your tax returns up to date, even if your income is low
- Report any income changes to ensure GIS eligibility is accurately assessed
- Check with your province to explore local senior benefit programs
- Use CRA’s My Account to track your payment status and eligibility
These steps can help ensure you’re not missing out on vital financial support.
Bottom Line
There is no single \$2,250 Old Age Security payment coming to all seniors in June 2025. However, for those who meet strict eligibility criteria—low income, age 75+, and full GIS qualification—a combined monthly payment of up to \$2,250 is possible.
If you think you might qualify, review your income and residency history, check your current benefit status, and monitor CRA and provincial program updates. For many vulnerable seniors, these payments offer more than financial support—they provide stability, dignity, and peace of mind.
