If you’ve come across buzz about a $2,250 OAS payment hitting bank accounts in June 2025, you’re not alone. But is it a one-time windfall, a monthly increase, or just a myth?
Here’s the truth: the $2,250 is a combined monthly total for eligible seniors receiving Old Age Security (OAS), Guaranteed Income Supplement (GIS), and provincial top-ups—not a standalone cheque.
Let’s break it all down and show who qualifies, how much you could receive, and what to expect this June.
OAS vs. GIS vs. the “$2,250” Payment
- Old Age Security (OAS) is a monthly payment available to Canadians aged 65 and older.
- Guaranteed Income Supplement (GIS) is an additional payment for low-income OAS recipients.
- $2,250 is not a separate payment but the combined maximum a qualifying senior could receive monthly.
Breakdown of the 2025 Benefit Structure
| Benefit Type | Monthly Amount (2025) |
|---|---|
| OAS (Ages 65–74) | $727.67 |
| OAS (Ages 75+) | $800.44 |
| Maximum GIS (Single Seniors) | $1,086.88 |
| Provincial Top-up (e.g., Ontario GAINS) | $80–$90 |
| Combined Total (Max) | Up to $2,250 |
Only those receiving full OAS and GIS and living in a province offering top-ups can approach or reach the $2,250/month mark.
Who Qualifies for the $2,250 Combined Payment?
To receive the full combined amount, you must:
- Be 75 years or older (to receive the higher OAS rate)
- Have low or no other income (to qualify for maximum GIS)
- Have lived in Canada for at least 10 years after age 18
- Be single or in a low-income household
- Live in a province offering extra support for seniors
So, if you’re in this group, you won’t get a one-time bonus—but you may be receiving the highest monthly amount available through standard programs.
Why June 2025 Is Important
The OAS and GIS rates are reviewed and adjusted every quarter—in January, April, July, and October. So while there’s no “special” cheque in June, the July 2025 increase will be calculated based on inflation as of June.
Also, if you turn 75 in June, your OAS will automatically increase from $727.67 to $800.44 per month.
So, while there’s no lump sum arriving in June, it’s a key month for:
- Turning 75 and receiving the 10% OAS increase
- Preparing for the next quarterly cost-of-living adjustment
- Ensuring your latest tax return qualifies you for GIS
What About Provincial Top-Ups?
Some provinces offer monthly supplements for seniors who already receive GIS:
- Ontario offers GAINS (Guaranteed Annual Income System): up to $90/month
- Alberta and British Columbia have their own seniors’ financial assistance programs
- Quebec offers the Solidarity Tax Credit
These top-ups, though modest, can push total monthly income closer to the $2,250 target.
Example: How Mary Gets $2,250 a Month
Mary, age 78, is a single retiree living in Ontario. Her annual income is minimal.
- OAS: $800.44/month (age 75+)
- GIS: $1,086.88/month (max amount for singles)
- Ontario GAINS: $80/month
Total Monthly Income = $800.44 + $1,086.88 + $80 = $1,967.32
With minor tax credits or benefits, she could reach the $2,250 range.
Want to Maximize Your OAS & GIS Benefits?
Here’s what to do:
- File taxes every year — GIS is income-tested
- Apply for OAS 6 months before your 65th birthday
- Report income and marital changes quickly
- Check provincial benefit eligibility
- Track benefit updates quarterly (July 2025 is next)
Planning Ahead for Retirement?
- Use My Service Canada Account to view your benefit status and future projections
- Delay CPP (if it boosts GIS eligibility)
- Avoid unnecessary withdrawals from RRSPs that might raise your income and lower GIS
- Review provincial supports every year to ensure you’re not missing any
The $2,250 OAS figure making headlines isn’t a sudden cash gift—it’s a combined monthly payment that only certain low-income seniors will qualify for in June 2025 and beyond.
If you’re 75 or older, live on limited income, and qualify for GIS and provincial supplements, you might receive close to or more than $2,250/month.
FAQs
Is the $2,250 OAS payment a one-time bonus?
No. It’s the maximum possible monthly total when OAS, GIS, and provincial top-ups are combined—not a one-time cheque.
Who qualifies for the full $2,250 monthly income?
Seniors 75+, with low income, receiving maximum GIS, full OAS, and living in a province offering top-ups.
When will the next increase happen?
The next OAS and GIS review occurs in July 2025, based on inflation measured in June.