With inflation and rising costs continuing to burden older Canadians, the Government of Canada has announced a June 2025 Old Age Security (OAS) payment that could reach up to $2,455 for eligible seniors. This support isn’t a one-time bonus but a monthly payout that includes regular OAS benefits and possible top-ups such as the Guaranteed Income Supplement (GIS).
Here’s everything you need to know to check your eligibility, understand how much you might receive, and ensure your direct deposit lands on time.
What Is Old Age Security (OAS)?
Old Age Security (OAS) is a monthly government pension designed for Canadians aged 65 and above. Unlike the Canada Pension Plan (CPP), which is based on contributions made during your working years, OAS is not tied to your work history. Instead, it is based on your:
- Age
- Legal status
- Residency history
- Annual income
It forms the foundation of Canada’s retirement system, often combined with CPP, GIS, and other support programs to provide retirees with economic stability.
Why Is the June 2025 OAS Payment Set at $2,455?
The $2,455 total is not a lump sum bonus but represents the maximum possible amount a senior might receive in June 2025, combining:
- Regular OAS pension payments
- Guaranteed Income Supplement (GIS) for low-income seniors
- Additional allowances or retroactive adjustments
- Increases due to inflation-indexed adjustments
Seniors already receiving full OAS and GIS may reach this total, especially if any backdated payments are included.
Who Is Eligible for the June 2025 OAS Payment?
To receive full or partial OAS payments in June 2025, you must meet the following conditions:
Basic Requirements:
- Be 65 years or older on or before June 2025
- Be a legal resident or citizen of Canada
- Have lived in Canada for at least 10 years after age 18
Full OAS Eligibility:
- To receive the full monthly amount, you must have resided in Canada for 40 years or more since turning 18
Partial OAS Eligibility:
- If you’ve lived in Canada less than 40 years, your payment is pro-rated based on the number of years of residence
GIS Eligibility Can Boost Your OAS Payment
The Guaranteed Income Supplement (GIS) is a critical add-on benefit for low-income seniors and significantly increases the total monthly payout.
- Single seniors with income below $21,456 can receive up to $1,065.47/month in GIS
- Married or common-law couples may receive up to $641.35/month if their combined income is under $28,320
If you qualify for GIS, your total monthly benefit can rise substantially—bringing you closer to the $2,455 threshold.
When Will the June 2025 OAS Payment Be Made?
The Government of Canada will deposit the June 2025 OAS payment on Tuesday, June 26, 2025—the third-to-last business day of the month. Seniors who have signed up for direct deposit will receive it in their bank account on this date.
If you receive a paper cheque, expect a few additional days for delivery via mail.
OAS Monthly Amounts Breakdown for 2025
Here’s an approximate breakdown of how the $2,455 could be composed for different seniors:
| Benefit Type | Monthly Amount (Approx.) |
|---|---|
| OAS (age 65–74) | $713.34 |
| OAS (age 75+) | $784.67 |
| GIS (single, low income) | $1,065.47 |
| GIS (spouse/couple) | Up to $641.35 |
| Retroactive adjustments | Varies |
| Total Possible Payment | Up to $2,455 |
Note: Actual payment amounts depend on income, residency, and application timing.
Is the OAS Payment Taxable?
Yes, the OAS payment is taxable income. You must report it on your annual tax return.
Seniors with net income over $90,997 (2025 threshold) will face the OAS recovery tax or clawback, reducing the benefit received. This is important to monitor if you also earn income from pensions, investments, or rental properties.
Didn’t Get Your June OAS Payment? Here’s What to Do
If you expected your OAS deposit and didn’t receive it:
- Wait 3 business days, especially for mailed cheques
- Log in to your My Service Canada Account (MSCA) to check status
- Call Service Canada for direct support at 1-800-277-9914
Delays can occur if your banking info is outdated, or if your application wasn’t fully processed.
How to Apply for OAS If You’re Not Enrolled
Most eligible seniors are automatically enrolled, but you must apply if:
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- You recently turned 65
- You are new to Canada
- You did not receive an automatic enrollment letter
Apply via:
- My Service Canada Account (MSCA)
- Or by submitting a paper application (Form ISP-3000)
Make sure to apply 6 months before your 65th birthday to avoid missing any payments.
How to Ensure You Receive Future OAS Payments
To keep your payments coming on time, follow these tips:
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- Keep your bank and mailing information up to date
- File your income taxes every year, even with no income
- Ensure you’ve applied if you didn’t receive an automatic enrollment notice
- Use your My Service Canada Account to track updates
These steps help prevent disruptions and ensure you receive full entitlements based on your situation.
Real Stories: What Seniors Are Saying About OAS
Many Canadian seniors express gratitude for this indexed support:
“OAS covers my basics—groceries, prescriptions—it’s a relief knowing it comes every month.” – Barbara L., Ottawa
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“I didn’t know about GIS until Service Canada helped me. Now I receive nearly $2,400 monthly. It’s a game changer.” – Edward M., Calgary
These testimonies highlight how essential OAS and GIS are for everyday living.
Final Thoughts: Why the $2,455 OAS Payment Matters
The June 2025 OAS payment represents more than just a deposit—it’s a guarantee of support for those who have contributed to Canadian society for decades. Whether you qualify for the full $2,455 or a partial amount, this benefit can ease financial stress, especially as inflation continues to rise.
To maximize your benefit:
- Apply on time
- Stay within GIS income limits
- Monitor your income to avoid clawbacks
Even if you’re not eligible for the full amount, a partial OAS plus GIS can still go a long way in helping you lead a stable, dignified retirement.
FAQs on the $2,455 OAS Payment in June 2025
Q1. What is the $2,455 OAS payment in June 2025?
It’s a combined Old Age Security payment that includes OAS, GIS, and possible retroactive payments for eligible seniors.
Q2. Who qualifies for the OAS payment in June 2025?
Canadian residents aged 65+, meeting residency and legal status requirements, with income below the thresholds.
Q3. How can I check if I’m eligible for the June deposit?
Use your My Service Canada Account or call Service Canada directly to confirm your eligibility.
