Rumors of a \$2,250 Old Age Security (OAS) payment set for June 2025 have caused a stir among seniors across Canada. The idea of a substantial financial boost during retirement is understandably exciting—but the truth behind this number is more nuanced.
In this article, we break down what the \$2,250 figure actually represents, how OAS and GIS payments work, and who may be eligible for the full amount. Spoiler alert: it’s not a one-time bonus or new program, but a combined benefit total that only certain seniors will receive.
No, There’s No Universal \$2,250 OAS Payment
Let’s clear up the confusion first: there is no standalone \$2,250 OAS payment scheduled for June 2025. The figure being discussed refers to the maximum combined monthly total a low-income senior could receive from Old Age Security (OAS) and the Guaranteed Income Supplement (GIS).
Here’s what that looks like:
| Benefit Type | Monthly Amount (2025) |
|---|---|
| OAS (age 75+) | \$800.44 |
| GIS (max for single) | Up to \$1,086.88 |
| Combined Total | Over \$1,887 |
| With Provincial Top-ups | Up to ~\$2,250 |
This number represents the maximum support available to low-income seniors—not a standard or new benefit for all recipients.
How OAS Works: Canada’s Public Pension Program
Old Age Security (OAS) is a monthly pension paid to Canadians aged 65 and older, regardless of work history. Unlike CPP, it’s based on age, residency, and income, not contributions.
Eligibility requirements for OAS:
- Must be 65 years or older
- Must have lived in Canada for at least 10 years after age 18
- To receive full OAS, you typically need 40 years of Canadian residency
- OAS is reduced if your annual income exceeds \$79,000 (2025 threshold) and clawed back entirely above ~\$142,000
OAS amounts also increase once you turn 75. As of 2025, seniors aged 75+ receive \$800.44/month, while those 65–74 receive \$727.67/month.
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement (GIS) is an additional tax-free benefit paid to low-income seniors who already receive OAS. It’s intended to help seniors with little or no other retirement income meet basic living expenses.
Key points about GIS:
- Available only to those who receive OAS
- Must have low income (eligibility varies by marital status)
- Requires a separate application
- Reviewed annually based on your most recent tax return
In 2025, the maximum monthly GIS for a single person is up to \$1,086.88. When combined with OAS, this pushes the total over \$1,887/month—and with provincial top-ups, the amount may reach or exceed \$2,250/month for some.
Is the \$2,250 Real? Yes—But Only for Some Seniors
The \$2,250 monthly benefit is not a myth, but it only applies if certain conditions are met:
You could receive the full amount if you:
- Are 75 or older
- Qualify for full OAS
- Have very little or no income outside OAS
- Are eligible for maximum GIS
- Live in a province that provides top-up benefits (like Ontario’s GAINS)
If you have other retirement income, pensions, or savings, you likely won’t qualify for maximum GIS, which means you won’t reach the \$2,250 total.
OAS and GIS Adjustments: When and How They Change
OAS and GIS payments are adjusted quarterly in January, April, July, and October, based on the Consumer Price Index (CPI) to account for inflation.
So while you won’t get a one-time \$2,250 increase in June 2025, there may be a cost-of-living adjustment if inflation remains high. These small but regular increases are designed to preserve seniors’ purchasing power.
Also, if you turn 75 in 2025, your OAS will automatically increase from \$727.67 to \$800.44/month beginning the month after your birthday.
Don’t Forget Provincial Top-Ups
In addition to OAS and GIS, some provinces offer extra monthly income supports:
- Ontario: GAINS (Guaranteed Annual Income System)
- British Columbia: Senior’s Supplement
- Alberta, Quebec: Provide additional income-tested tax credits or supplements
These programs may help push your total monthly income closer to or above \$2,250, depending on where you live and your income level.
Who Qualifies for the Full Combined Benefit?
You may be eligible for the maximum combined monthly benefit if you:
- Are 65 or older (75+ for higher OAS)
- Have lived in Canada at least 10 years
- Receive OAS and GIS
- Are single or part of a low-income couple
- Have no significant additional income
- Reside in a province that provides extra support
If your income is too high or you don’t meet residency requirements, you’ll receive less than the maximum, or may not qualify for GIS at all.
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Tips to Maximize Your Retirement Income
To ensure you’re receiving all the support you’re entitled to, follow these tips:
1. Apply Early for OAS and GIS
- Apply for OAS 6 months before turning 65
- Submit your GIS application if you have low income
2. Keep Your Taxes Up to Date
- GIS and other income-tested benefits rely on your latest tax return
- File on time to avoid payment interruptions
3. Report Any Changes in Income
- Income changes during the year can affect GIS
- Update Service Canada if your income drops or you lose other benefits
4. Check for Provincial Benefits
- Visit your provincial government website
- You might qualify for additional senior income supports