Old Age Security payments for June 2025 go out soon — Here's how much you can get
Payments are increasing soon! 💰
Canadian seniors can get up to $1,887 from Old Age Security and its related benefits in June.
June is speeding right along, and if you're one of the many seniors in Canada counting on monthly government support from Service Canada and the CRA, it's just about time for another deposit to hit your account.
Old Age Security (OAS) is one of the key government payments available to Canadians 65 and older, along with the Canada Pension Plan. It's there to help with the cost of everyday life in retirement and often comes alongside other supports like the Guaranteed Income Supplement and the Allowance.
No matter how you use it — whether it covers essentials or gives you a little extra padding in your wallet — knowing when it's arriving and how much you can expect to get can help you budget your spending.
OAS deposits land on a regular schedule each month, and the next one is right around the corner. If you're already receiving the benefit or thinking about signing up, it's worth keeping track of the key dates and amounts.
Here's what to know about the June 2025 OAS payment — including who can get it and how much you might receive.
What is Old Age Security in Canada?
Old Age Security (OAS) is a monthly payment from the Government of Canada designed to help seniors 65 and older manage their day-to-day expenses in retirement. It forms a core part of Canada's support system for retirees, providing regular financial assistance once you're no longer working full time.
In most cases, there's no need to apply — Service Canada automatically reaches out to eligible individuals and starts sending payments around the time they turn 65.
Depending on your income and living situation, you might also receive additional support through programs like the Guaranteed Income Supplement (GIS) or the Allowance. These top-ups are sent out with OAS payments for those who qualify and are meant to provide extra help to low-income seniors, especially those with a partner or who are widowed.
Who is eligible for Old Age Security in Canada?
Old Age Security (OAS) isn't tied to your employment history — unlike the Canada Pension Plan, you don't need to have worked to qualify. Whether you've had a full-time job, part-time gig or no job at all, you can still be eligible for OAS at 65 if you meet a few key requirements.
To receive the standard OAS benefit during this payment cycle, you must:
- be 65 or older;
- have a net world income below $142,609 if you're between 65 and 74, or under $148,179 if you're 75 or older (based on 2023 income);
- be a Canadian citizen or legal resident when your application is approved; and
- have lived in Canada for at least 10 years since turning 18.
If you're living outside Canada now, you might still qualify. You'll need to have been a Canadian citizen or legal resident before leaving and must have spent at least 20 years living in Canada as an adult. In that case, you could continue receiving your OAS payments even while living abroad.
Who is eligible for GIS or an Allowance?
In addition to the monthly OAS pension, low-income seniors in Canada may qualify for extra support through two related programs: the Guaranteed Income Supplement (GIS) and the Allowance. Both are administered by Service Canada and get added to your regular OAS payments if you're eligible.
The GIS is available to OAS recipients who live in Canada and have a low income. You must be a Canadian citizen or legal resident, and your eligibility depends on your income and whether you have a spouse or partner. OAS itself isn't counted as income for this calculation.
Here are the income limits for GIS eligibility in the current cycle:
- If you're single, widowed or divorced: annual income under $22,056
- If your spouse or partner receives full OAS: combined income under $29,136
- If your spouse or partner gets the Allowance: combined income under $40,800
- If your spouse or partner doesn't receive OAS or the Allowance: combined income under $52,848
The Allowance is for people aged 60 to 64 whose spouse or common-law partner qualifies for GIS. To apply, you need to live in Canada, be a Canadian citizen or legal resident and have spent at least 10 years in the country since turning 18. Your combined household income must be below $40,800.
There's also the Allowance for the Survivor, for individuals aged 60 to 64 whose spouse or partner has died. To qualify, you must not be remarried or in a new common-law relationship, meet the same residency rules and have an individual income under $29,712.
More about GIS, the Allowance and the Allowance for the Survivor
How to apply for Old Age Security
For most people, Old Age Security (OAS) kicks in without having to lift a finger. If you're eligible, Service Canada will usually handle your enrolment automatically. Sometime after your 64th birthday, they’ll send a letter outlining your options, including when you want to start getting payments. The same applies if you qualify for the GIS.
You can choose to start getting OAS the month after your 65th birthday, or you can delay the start — up to age 70. Delaying increases your monthly payment, and that higher amount is locked in permanently.
If you're applying for the Allowance or the Allowance for the Survivor, you'll need to submit an application. You can apply as early as 11 months before your 60th birthday, or any time between 60 and 64 if your partner has died.
If you don't get a letter from Service Canada within a month of turning 64, or if you're applying for the Allowance, here's how to apply:
- Online: Use your My Service Canada Account to fill out the application. Make sure you have all your information ready — you won't be able to save and return later.
- By mail or in person: Complete the paper application for OAS and GIS or for an Allowance. Include certified copies of any required documents, then send it by mail or deliver it to a Service Canada office.
How much is OAS in Canada?
Old Age Security payments vary based on factors like your age, income level and whether you're single or have a partner. Here's a look at the maximum monthly amounts available for June 2025, including the OAS pension and related benefits:
- OAS pension: Up to $727.67 per month if you're between 65 and 74. Once you turn 75, that increases to a maximum of $800.44 — a 10% boost that takes effect the month after your 75th birthday.
- Guaranteed Income Supplement (GIS): If you're single or your partner doesn't get OAS or the Allowance, the maximum is $1,086.88. If your partner receives OAS or the Allowance, the top amount is $654.23.
- Allowance: Up to $1,381.90.
- Allowance for the Survivor: Up to $1,647.34.
These are the highest possible payments, but not everyone qualifies for the full amounts. OAS and related benefits are income-tested — the more you earn, the lower your payments will be.
To see what you might qualify for, you can use Service Canada's online OAS calculator. It provides estimates for OAS, GIS and both Allowance programs.
Payment rates are reviewed quarterly — in January, April, July and October — and adjusted for inflation when needed. While rates never go down, they can rise. A small increase is already confirmed for July 2025.
Is Old Age Security taxable?
Yes, Old Age Security is considered taxable income and must be included when you file your taxes each year. By default, no income tax is withheld from OAS payments — which means you could end up owing money at tax time if you don't make arrangements in advance.
To stay ahead, you can choose to have tax deducted from your monthly OAS payments. This can be done through your My Service Canada Account or by submitting the paper form called Request for Voluntary Federal Income Tax Deductions CPP/OAS to a Service Canada office.
If you decide not to have tax taken off your payments, you may be required to make instalment payments every quarter.
At tax time, you'll receive a T4A(OAS) slip if you live in Canada, or an NR4 slip if you're living outside the country. These documents detail how much you received and need to report.
OAS payment dates 2025
Old Age Security payments are typically issued near the end of each month — and the June deposit is just around the corner. If you're receiving OAS, your next payment is set to arrive on Thursday, June 26.
If you're signed up for direct deposit, the funds should land in your account that day. Otherwise, expect a cheque in the mail by then.
Here are the other remaining OAS payment dates for 2025:
- Tuesday, July 29
- Wednesday, August 27
- Thursday, September 25
- Wednesday, October 29
- Wednesday, November 26
- Monday, December 22
What happens to OAS cheques if there's a Canada Post strike?
If there's a disruption in Canada Post service, Old Age Security cheques sent through the mail could be delayed. If you're still receiving paper cheques, now's a smart time to consider switching to direct deposit.
Direct deposit ensures your OAS payments arrive on time, even during a postal strike. The money goes straight into your bank account on the scheduled payment date, making it more secure and much faster than waiting for mail delivery.
To enrol in direct deposit, you can:
- Log in to your My Service Canada Account
- Call Service Canada at 1-800-277-9914 (press "0" to speak with a representative)
- Visit a Service Canada office in person
Be sure to have your social insurance number (SIN) and complete banking information ready — including your branch, transit and account numbers, which can be found at the bottom of your personal cheques.
More about potential Canada Post disruptions and your benefits
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