Canada OAS Payments for Seniors in June 2025 – Check Eligibility Requirements and Benefit Details!

Published On: June 15, 2025

If you’re a senior in Canada—or approaching retirement—it’s important to know what the Old Age Security (OAS) program offers in 2025. This federal monthly benefit is designed to help cover basic living costs for seniors, and the Government of Canada has updated payment amounts for June 2025. Whether you’re already receiving OAS or planning for the future, knowing how much you could receive and whether you qualify can make a big difference in your retirement planning.

In this article, we’ll walk through eligibility, payment details, tax implications, and other helpful benefits like the Guaranteed Income Supplement (GIS).

Overview

OAS is a monthly pension payment funded by the government. Unlike the Canada Pension Plan (CPP), it doesn’t depend on your work history but rather on how long you’ve lived in Canada. Payments are reviewed every quarter and adjusted for inflation, which helps seniors keep pace with rising costs of living.

Here’s a breakdown of key details for June 2025:

Feature	Details
Payment Date	June 28, 2025
Age 65–74 Monthly Payment	Up to $727.67 CAD
Age 75+ Monthly Payment	Up to $800.44 CAD
Eligibility Age	65 years or older
Clawback Threshold	Starts at $86,912 CAD
Full OAS Elimination	$142,609 (65–74), $148,179 (75+)
GIS Eligibility	Low-income OAS recipients
Official Resource	Canada.ca – OAS Info

Basics

The Old Age Security program is one of the three main pillars of retirement income in Canada:

Old Age Security (OAS)
Canada Pension Plan (CPP) or Quebec Pension Plan (QPP)
Private savings like RRSPs or TFSAs

Together, these provide a mix of public and private income for retirement. While CPP depends on your earnings history, OAS is more accessible, especially for individuals with little or no work income.

Eligibility

To qualify for OAS in June 2025, you must meet the following conditions:

Be 65 years old or older
Be a Canadian citizen or legal resident at the time your application is approved
Have lived in Canada for at least 10 years after age 18

Living Abroad?

If you now live outside Canada, you can still receive OAS if you:

Were a Canadian citizen or legal resident on the day before leaving Canada
Lived in Canada for at least 20 years after age 18

If you’re unsure, it’s worth contacting Service Canada or checking your My Service Canada Account (MSCA).

Tip: Delaying your OAS beyond age 65 can boost your monthly payment. For each month you delay, the amount increases by 0.6%, up to 36% if you wait until age 70.

Payments

For June 2025, monthly OAS amounts are:

Age 65–74: Up to $727.67 CAD
Age 75+: Up to $800.44 CAD

The higher amount for those over 75 recognizes the rising costs older seniors often face, particularly in health care and housing.

If you haven’t lived in Canada for at least 40 years after turning 18, your OAS may be reduced on a prorated basis.

Tax

OAS is considered taxable income. That means you must include it on your annual tax return.

Clawback Rule

If your annual net income goes beyond a certain threshold, your OAS will be reduced:

Clawback begins at: $86,912 CAD
Full elimination at:
- $142,609 CAD (age 65–74)
- $148,179 CAD (age 75+)

The clawback is calculated at a rate of 15% of any income over the threshold.

GIS

The Guaranteed Income Supplement (GIS) is a non-taxable monthly benefit for low-income seniors who already receive OAS.

GIS Eligibility

You must:

Be receiving OAS
Have low annual income (not counting OAS itself)

2025 GIS Income Limits

Household Type	Max Annual Income
Single senior	Less than $21,624 CAD
Couple (both receive OAS)	Combined under $28,560 CAD
Couple (only one receives OAS)	Combined under $51,840 CAD

GIS payments vary based on your income and living situation. You can estimate your payment using the official GIS calculator on the government website.