As inflation and the cost of living continue to burden many Canadians, especially seniors, the federal government has approved updated July 2025 payments under the Old Age Security (OAS) and Guaranteed Income Supplement (GIS) programs.
These essential programs offer monthly financial support to low-income seniors and Canadians aged 65 and above, helping cover critical living costs such as food, rent, and healthcare.
When Will OAS and GIS Payments Be Made in July 2025?
Service Canada and the CRA have officially confirmed that OAS and GIS payments for July 2025 will be issued on July 29, 2025.
- Direct deposit recipients will receive the funds on the same day.
- Cheque recipients may experience a slight delay, with delivery expected by early August, depending on Canada Post service in your area.
Tip: To receive payments faster, seniors are encouraged to sign up for direct deposit via their My Service Canada Account (MSCA).
Updated Monthly OAS and GIS Payment Amounts – July 2025
Benefit amounts for July 2025 have been adjusted to reflect inflation, based on the Consumer Price Index (CPI).
| Age Group | Maximum Monthly OAS | Maximum GIS (Single) | Maximum GIS (Spouse on OAS) |
|---|---|---|---|
| 65–74 years | $713.34 | $1,065.47 | $641.23 |
| 75+ years | $784.67 | $1,065.47 | $641.23 |
The higher OAS amount for seniors aged 75 and older comes from an enhancement introduced in 2022, continuing into 2025 to provide greater support for older retirees.
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Eligibility Criteria for OAS and GIS in July 2025
To receive these updated benefits, individuals must meet specific age, residency, and income requirements:
Old Age Security (OAS) Eligibility:
- Must be 65 years or older
- Must be a Canadian citizen or legal resident
- Must have resided in Canada for at least 10 years after turning 18
Guaranteed Income Supplement (GIS) Eligibility:
- Must be currently receiving OAS
- Must meet low-income thresholds, determined by your 2024 income
- Must have filed a 2024 tax return
Important: If you do not file a tax return, you risk losing GIS eligibility, as CRA uses your tax data to assess qualification.
What’s New for 2025?
Beyond the benefit increases, the government is enhancing digital services to better support seniors and their caregivers:
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- Real-time access to benefit payment details
- Notifications for payment delays or account issues
- Online tools to update banking or mailing information
- Digital verification features for GIS eligibility
These improvements aim to make benefit tracking easier, reduce reliance on paper forms, and allow seniors to manage their pensions more independently.
Why OAS and GIS Payments Matter More Than Ever
With food, rent, utilities, and prescription prices continuing to rise, many Canadian seniors depend heavily on monthly OAS and GIS payments for survival. These payments:
- Prevent poverty among older adults
- Help seniors maintain financial independence
- Are often combined with provincial programs such as:
- Ontario GAINS
- Alberta Seniors Benefit
- BC Senior’s Supplement
Together, these programs form the foundation of senior income security in Canada.
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How to Track and Manage Your Benefits
Seniors are encouraged to use the My Service Canada Account (MSCA) portal to stay on top of their benefits. Through MSCA, users can:
- View payment history
- Change bank or mailing details
- Receive alerts about benefit changes
- Confirm eligibility status for GIS and OAS
For those without internet access, updates and changes can be made by calling Service Canada or visiting a local Service Canada office.
Tips to Ensure You Receive Your Full Benefit
To avoid interruptions or delays in payment, seniors should:
- File their 2024 income tax return before the deadline
- Update contact and banking information with Service Canada
- Regularly check MSCA for account updates
- Report any changes in marital status, residency, or income promptly
Summary: What to Expect in July 2025
The maximum July 2025 payment amounts are:
- Up to $784.67 in OAS for seniors aged 75+
- Up to $713.34 in OAS for those aged 65–74
- Up to $1,065.47 in GIS for low-income seniors (single)
- Up to $641.23 in GIS for those with a spouse also receiving OAS
These payments will be deposited on July 29, 2025, offering critical financial support to millions of Canadian seniors.
Frequently Asked Questions (FAQs)
Q1. When will OAS and GIS be paid in July 2025?
Payments will be issued on July 29, 2025. Direct deposit arrives the same day, while cheques may take longer to arrive via Canada Post.
Q2. What are the new payment amounts for seniors aged 75+?
Seniors aged 75 and over will receive up to $784.67 in OAS and up to $1,065.47 in GIS if eligible based on income.
Q3. Do I need to file taxes to receive GIS?
Yes. Your 2024 tax return is essential for determining GIS eligibility. Failure to file may result in suspended payments.
Q4. How can I update my banking or address info?
Use the My Service Canada Account (MSCA) portal or call Service Canada to update your personal details.
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