As Canada’s cost of living continues to rise, the government has reaffirmed its support for seniors by increasing financial aid through its Old Age Security (OAS) and Guaranteed Income Supplement (GIS) programs.
In April 2025, eligible low-income seniors can receive up to $1,615 per month, with some receiving even more depending on age and income level.
This article explains who qualifies, how the amount is calculated, and how to apply or update your records to ensure you don’t miss out.
What Is the Old Age Security (OAS) Pension?
The Old Age Security (OAS) pension is a monthly government payment available to seniors aged 65 and older, regardless of work history. It’s funded through general tax revenues and is not tied to contributions, unlike the Canada Pension Plan (CPP).
Current OAS Monthly Amounts (April 2025):
| Age Group | Monthly OAS Amount |
|---|---|
| Age 65–74 | $727.67 |
| Age 75+ | $800.44 |
OAS is adjusted quarterly based on the Consumer Price Index (CPI). For April 2025, no major adjustment was made due to relatively stable inflation figures in early 2025.
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement (GIS) is an additional, non-taxable payment for low-income seniors who already receive OAS. It provides extra monthly support for those who meet income eligibility thresholds.
Maximum GIS Amounts (April 2025):
| Recipient Type | Monthly GIS Amount |
|---|---|
| Single Seniors | $1,086.88 |
| Couples (each receiving OAS) | $654.23 each |
When combined, these benefits can significantly increase monthly support.
Combined OAS + GIS Examples:
| Age & Status | Total Monthly Benefit |
|---|---|
| Single (Age 65–74) | $727.67 + $1,086.88 = $1,814.55 |
| Single (Age 75+) | $800.44 + $1,086.88 = $1,887.32 |
The $1,615 figure commonly referenced represents a general benchmark for recipients who are not receiving the full GIS but qualify for partial supplements.
Who Is Eligible for OAS and GIS in April 2025?
OAS Eligibility Criteria:
- Must be 65 years or older
- Must be a Canadian citizen or legal resident
- Must have lived in Canada for at least 10 years after age 18 (for partial pension)
- For a full pension, you need 40 years of residence after age 18
GIS Eligibility:
- Must already receive OAS
- Annual income thresholds must be under:
| Household Status | Income Threshold (Annual) |
|---|---|
| Single | $22,056 |
| Couple (both receive OAS) | $29,136 |
Beware of the OAS Clawback (Recovery Tax)
If your net income exceeds $86,912 (2023 tax year threshold), you may face an OAS clawback, where a portion of your OAS is deducted.
Example:
- If your income is $96,000, the reduction would be:
($96,000 – $86,912) × 15% = $1,363.20
This is recalculated annually using your tax return, and the clawback applies from July 2024 to June 2025.
How to Apply for OAS in 2025
Most Canadians are automatically enrolled at age 65. However, if you don’t receive a notification from Service Canada, you’ll need to apply manually.
Application Methods:
- Online: Through My Service Canada Account
- By Mail: Using a paper application form (available on the Service Canada website)
- It’s advised to apply six months before your 65th birthday.
OAS Payment Dates for 2025
| Month | Payment Date |
|---|---|
| January | January 29 |
| February | February 26 |
| March | March 27 |
| April | April 28 |
| May | May 28 |
| June | June 26 |
| July | July 29 |
| August | August 27 |
| September | September 25 |
| October | October 29 |
| November | November 26 |
| December | December 22 |
The Canada OAS and GIS payments totaling up to $1,615 per month in April 2025 offer critical support for low- and modest-income seniors.
By understanding the eligibility rules, income thresholds, and application steps, retirees can ensure they receive the maximum benefits available to them.
Be sure to review your income regularly, apply on time, and use official government channels for updates.
FAQs
Is the $1,615 monthly payment all from OAS?
No. It includes OAS plus GIS for low-income seniors. The base OAS is around $727–$800 depending on age.
How can I avoid the OAS clawback?
Keep your net income under the annual threshold ($86,912) or use tax planning strategies to reduce taxable income.
Can I apply for OAS from outside Canada?
Yes, if you meet the residency and citizenship requirements. However, payments may vary depending on your country of residence.