Canadian seniors are set to receive their next Old Age Security (OAS) and Guaranteed Income Supplement (GIS) payments on September 25, 2025. These monthly benefits are vital in supporting older citizens, particularly those with lower incomes, by providing stable financial assistance.
With cost-of-living adjustments applied this year, payments have slightly increased to help seniors cope with inflation.
This guide explains who is eligible, how much will be paid, the income thresholds, and what applicants need to know about applying for these benefits.
Old Age Security (OAS) Payments
OAS is the foundation of Canada’s retirement income system.
- Ages 65–74: Eligible seniors receive up to $734.95 monthly.
- Ages 75 and above: Eligible seniors receive up to $808.45 monthly, reflecting a 10% enhancement and cost-of-living adjustment.
- OAS amounts are taxable and may be reduced for higher-income seniors through the recovery tax if net annual income exceeds the threshold of $97,997 (July 2025 – June 2026).
Guaranteed Income Supplement (GIS) Payments
GIS provides additional financial support for low-income seniors who already qualify for OAS.
- Single, divorced, or widowed seniors: Up to $1,097.75/month.
- Married or common-law (both receiving OAS): Up to $654.23/month each.
- Married or common-law (one receiving OAS, the other not): Up to $1,097.75/month for the eligible spouse.
GIS is non-taxable, making it a crucial benefit for seniors with very limited income. However, benefits are reduced as income rises above the eligibility limits.
OAS & GIS Payment Overview for September 2025
| Benefit | Maximum Amount (Monthly) | Eligibility |
|---|---|---|
| OAS | $808.45 (age 75+), $734.95 (ages 65–74) | Canadian residents aged 65+, residency and income-based |
| GIS | $1,097.75 (single), $654.23–$1,097.75 (married/common-law) | Low-income seniors receiving OAS |
| Combined | Up to $1,906.20 | Eligible seniors receiving both OAS & GIS |
Payment Date: Both OAS and GIS will be deposited on September 25, 2025, directly into registered bank accounts.
Eligibility Criteria
To qualify for OAS and GIS in September 2025:
- Must be 65 years of age or older.
- Must be a Canadian citizen or legal resident.
- For full OAS, must have lived in Canada for at least 40 years after age 18 (partial benefits available for shorter residency).
- GIS eligibility requires receiving OAS and meeting low-income requirements.
- Income must remain below the defined thresholds to receive the full benefit amount.
How to Apply
- Create or log into your My Service Canada Account (MSCA).
- Locate the OAS and GIS application section.
- Provide personal details and upload required documents such as proof of age, identity, and residency.
- Submit your application and track its progress through the MSCA portal.
- Payments will be issued automatically each month once your application is approved.
GIS & OAS Payment – September 2025
| Category | Amount (Monthly) |
|---|---|
| OAS (Age 65–74) | $734.95 |
| OAS (Age 75+) | $808.45 |
| GIS (Single, divorced, widowed) | $1,097.75 |
| GIS (Married, both on OAS) | $654.23 |
| GIS (Married, one on OAS only) | $1,097.75 |
- Deposit Date: September 25, 2025
On September 25, 2025, Canadian seniors will see their OAS and GIS benefits deposited into their accounts. With the latest cost-of-living adjustments, OAS now provides up to $808.45, while GIS offers up to $1,097.75 for low-income seniors.
These payments ensure that seniors have continued financial support to meet rising living costs. Eligible individuals should confirm their residency and income requirements to maximize their benefits and maintain financial stability in retirement.
FAQs
When will OAS and GIS be paid in September 2025?
Both benefits will be deposited on September 25, 2025, directly into recipients’ bank accounts.
How much can a senior receive if eligible for both OAS and GIS?
An eligible senior over 75 with low income can receive up to $1,906.20 monthly when combining OAS and GIS.
Are OAS and GIS payments taxable?
OAS is taxable, while GIS is non-taxable, ensuring extra support for low-income seniors.