Adrian
As of July 2025, Canada’s Old Age Security (OAS) payments have received a significant adjustment, with qualified senior citizens receiving as much as $1,860.
This amount is not a flat rate but the maximum possible benefit when combining OAS with federal top-ups like GIS and other senior allowances.
The Employment and Social Development Canada (ESDC) confirmed a 1% increase for this quarter (July–September), translating to a 2.3% increase year-over-year from July 2024.
This boost is part of the Canadian government’s continued effort to assist older adults in managing rising inflation and daily living expenses.
OAS July 2025 Payment Overview
| Category | Details |
|---|---|
| Country | Canada |
| Department | Employment and Social Development Canada |
| Program | Old Age Security (OAS) |
| Maximum Monthly Amount | Up to $1,860 |
| Increase for Q3 2025 | 1% (quarterly), 2.3% (year-over-year) |
| Payment Frequency | Monthly (with quarterly evaluations) |
| Official Website | canada.ca |
Who Is Eligible for the $1,860 OAS Payment in July 2025?
Not every senior will receive $1,860—this amount includes OAS base payments and supplemental benefits. To receive the full amount, recipients must:
- Be 75 years of age or older
- Be a legal resident of Canada
- Have lived in Canada for at least 10 years since the age of 18
- Have low to moderate income, qualifying for GIS or other supplements
- Be receiving full OAS, based on residency and application history
Full OAS vs. Partial OAS – What’s the Difference?
- Full OAS Pension: Awarded to individuals who have lived in Canada for at least 40 years after turning 18. They are eligible for the maximum base OAS amount.
- Partial OAS Pension: Those with 10–39 years of Canadian residency after age 18 receive a pro-rated amount, calculated as:(Years lived ÷ 40) × Maximum OAS amount
Special Exception: Non-residents with over 20 years of Canadian residency may still qualify under the International Social Security Agreements if they left the country after becoming citizens.
OAS and Top-Up Payments in July 2025
Here’s a breakdown of how payments can total up to $1,860 per month:
| Age Group | Base OAS Payment | Top-Up (GIS/Allowance) | Maximum Monthly Payment |
|---|---|---|---|
| Age 65–74 | Up to $734.95 | Not Applicable | Up to $734.95 |
| Age 75 and above | Up to $808.45 | GIS + Other Federal Aids | Up to $1,860.00 |
Additional Federal Programs for Seniors
Guaranteed Income Supplement (GIS)
- Offers additional funds to low-income seniors.
- Maximum benefit: $1,086/month (varies by marital status and combined income).
The Allowance
- Available to low-income common-law or married partners.
- Max monthly amount: $654.23, provided one is receiving full OAS.
Allowance for the Survivor
- For widowed spouses of eligible OAS recipients.
- Max monthly payment: $1,647, aimed at supporting those without additional income sources.
When Will You Get Paid in July 2025?
The July OAS payments were released in the second week of the month, with most direct deposits made by July 10, 2025.
Payment schedules may vary slightly depending on bank processing times, but all beneficiaries who qualify should expect their funds to be deposited by mid-July.
The $1,860 OAS payment for July 2025 reflects Canada’s commitment to supporting its aging population.
With cost-of-living increases, this enhanced benefit—made possible through OAS, GIS, and additional allowances—provides critical relief to low-income seniors.
To receive the full amount, recipients must meet specific age, residency, and income requirements. It’s essential for all seniors and their families to stay informed and ensure eligibility is maintained to access these valuable government supports.
FAQs
Can I receive OAS if I haven’t lived in Canada for 40 years?
Yes, but you’ll receive a partial OAS pension based on the number of years you’ve lived in Canada since age 18.
What other payments can be added to my OAS?
You may qualify for GIS, The Allowance, or the Survivor Allowance, depending on your income level and household situation.
When are OAS payments deposited in July 2025?
Most OAS payments were deposited by July 10, 2025. The exact date may vary slightly by bank.