Canadian seniors are preparing for one of the most important payment dates of the year. On September 25, 2025, the federal government will deposit the latest round of Old Age Security (OAS) and Guaranteed Income Supplement (GIS) benefits. For those who qualify, this means as much as $808.45 from OAS and $1,097.75 from GIS could be credited directly into their bank accounts.
With inflation driving up the costs of housing, groceries, and healthcare, these benefits are more than just monthly deposits—they are lifelines for millions of retirees living on fixed incomes. This report provides a detailed breakdown of the September 2025 payments, who qualifies, how much they can expect, and why these programs remain critical for Canada’s aging population
Understanding OAS and GIS
Before diving into the September 2025 payment specifics, it’s essential to understand what these two programs are and how they differ.
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- Old Age Security (OAS): A monthly pension available to most Canadians aged 65 and older, regardless of their employment history. The amount depends primarily on age and residency.
- Guaranteed Income Supplement (GIS): An additional, income-tested payment for low-income seniors who already receive OAS. GIS provides extra support to ensure no senior falls below a basic income threshold.
Both are administered by Service Canada and are adjusted periodically to reflect changes in the Consumer Price Index (CPI), ensuring seniors’ purchasing power isn’t eroded by inflation.
What’s Coming in September 2025?
The CRA and Service Canada have confirmed that OAS and GIS payments will be issued on September 25, 2025. If you’ve already registered and qualified, you don’t need to reapply—your benefit will be deposited automatically.
Here’s what you can expect in September:
- OAS for seniors aged 65–74: \$734.95/month
- OAS for seniors aged 75+: \$808.45/month
- GIS (maximum for single/widowed seniors): \$1,086.88/month
- GIS (married couples, both receiving OAS): \$654.23/month each
These figures include the 1.0% cost-of-living adjustment (COLA) that was added earlier in 2025 to account for inflation.
Why the Payment Date Matters
For many seniors, the last Thursday of each month marks a vital event: the arrival of OAS and GIS deposits. September’s payment is especially significant because:
- It comes just before fall, when heating, medical, and seasonal costs often rise.
- It reflects the ongoing COLA increase, helping offset recent inflationary spikes.
- It allows seniors to plan ahead for additional costs during the holiday season approaching later in the year.
Direct deposits typically appear in accounts on the morning of the payment date, while mailed cheques may take 5–10 business days to arrive.
Eligibility Rules for OAS
Not all seniors automatically qualify for OAS. To be eligible in September 2025, you must:
- Be 65 years or older on the payment date.
- Be a Canadian citizen or legal resident.
- Have lived in Canada for at least 10 years after age 18.
- To receive the full pension, you must have resided in Canada for 40 years after age 18.
For those living outside Canada, eligibility still applies if you have lived in Canada for at least 20 years after turning 18.
Eligibility Rules for GIS
The Guaranteed Income Supplement is more restrictive because it is designed for seniors in financial need. To qualify in September 2025, you must:
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- Already be receiving OAS.
- Have an annual income below the CRA’s set thresholds.
- File your 2024 tax return, which determines your GIS eligibility from July 2025 to June 2026.
For singles, your annual income must generally be below \$21,624 to receive the maximum GIS. For couples, the thresholds vary depending on whether both, one, or neither spouse receives OAS.
Payment Breakdown for September 2025
Here’s a closer look at how much seniors can expect depending on their age and marital status:
OAS Payment Table
| Age Group | Maximum Monthly Amount |
|---|---|
| 65–74 | \$734.95 |
| 75+ | \$808.45 |
GIS Payment Table
| Category | Maximum Monthly Amount |
|---|---|
| Single, divorced, or widowed | \$1,086.88 |
| Married, both receiving GIS | \$654.23 each |
| Married, one on GIS and one on OAS only | \$1,086.88 |
| Married, one on GIS and one on Allowance | \$654.23 each |
How to Apply If You’re Not Enrolled
If you haven’t started receiving OAS or GIS yet, you must apply. Fortunately, the process is straightforward:
- Visit the official Service Canada website.
- Sign in with your My Service Canada Account (MSCA).
- Complete the OAS/GIS application form, including:
- Proof of age (birth certificate, passport).
- Proof of residency.
- Details of income and marital status.
- Submit electronically or by mail.
- Track your application through MSCA.
Why Inflation Indexing Matters
The September 2025 payments reflect adjustments made earlier this year, ensuring benefits rise in line with inflation. Without indexing, seniors’ purchasing power would steadily erode, particularly as essentials like food, housing, and medical care increase in cost.
In fact, Canada’s OAS and GIS programs are among the few social benefits in the country that guarantee automatic quarterly or annual adjustments to protect against inflation.
Common Concerns Among Seniors
Despite the financial relief, seniors often express concerns about these programs:
- Fairness: Some argue that OAS clawbacks for high-income seniors are unfair, while others believe benefits should be more generous for low-income recipients.
- Affordability: As the senior population grows, questions remain about the long-term sustainability of OAS and GIS funding.
- Awareness: Many seniors are unaware they must apply for GIS separately, leading to missed payments.
How OAS and GIS Help Seniors in Real Life
For seniors living on fixed incomes, these benefits can make the difference between stability and financial insecurity. For example:
- A 76-year-old widowed retiree with no additional income could receive \$808.45 from OAS plus \$1,086.88 from GIS, totaling \$1,895.33 per month.
- A married couple, both 70, with very low income, could each receive \$734.95 from OAS plus \$654.23 from GIS, giving them about \$2,778.36 combined per month.
These payments may not cover every expense, but they provide a crucial baseline that ensures seniors can meet basic needs.
Key Dates to Remember
For 2025, OAS and GIS payments are scheduled as follows:
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- January 29, 2025
- February 26, 2025
- March 27, 2025
- April 29, 2025
- May 29, 2025
- June 26, 2025
- July 30, 2025
- August 28, 2025
- September 25, 2025
- October 29, 2025
- November 27, 2025
- December 23, 2025
Mark September 25, 2025 as the next critical date when seniors will see their boosted OAS and GIS deposits
5 SEO-Friendly FAQs
Q1. How much will OAS and GIS pay in September 2025?
Seniors 75+ will receive up to \$808.45 for OAS, while GIS recipients may get up to \$1,097.75, depending on income and marital status.
Q2. When will the next OAS and GIS payments be made?
The next deposit date is September 25, 2025. Future payments are scheduled for the last Thursday of most months.
Q3. Who qualifies for OAS?
Anyone aged 65 or older, who is a Canadian citizen or legal resident, and has lived in Canada for at least 10 years after age 18.
Q4. How do I qualify for GIS?
You must already be receiving OAS and have an annual income below the CRA’s set thresholds.
Q5. Do I need to reapply each year for OAS and GIS?
No. Once approved, payments are automatic, but you must file your taxes annually to remain eligible for GIS.
