$2,130 Monthly OAS Payment in June 2025 – Check Eligibility and Payout Dates Now

Are you trying to make sense of the $2,130 monthly Old Age Security (OAS) payment making the rounds in June 2025 discussions? Whether you’re already receiving benefits or planning for retirement, knowing where this number comes from can help you budget better and prepare for the future. Spoiler: it’s not a one-size-fits-all cheque. But it’s real—if you qualify for everything.

Let’s break it all down clearly, without fluff or false promises.

Overview

Topic	Details
OAS Max (65–74)	$727.67/month
OAS Max (75+)	$800.44/month
GIS Max (Single)	$1,086.88/month
Combined Total (Single, 75+)	$1,887.32/month
June 2025 Payment Date	June 28, 2025
Eligibility Age	65+
Source	Canada.ca – OAS, GIS

The $2,130 figure isn’t just OAS—it’s a combo of OAS + GIS + potentially Allowance or survivor benefits. If you’re a low-income senior aged 75+, you may get very close to that amount, or even slightly above, depending on your situation.

What Is OAS?

Old Age Security is a monthly pension funded by tax dollars—not your work contributions. That’s what makes it different from CPP. You qualify based on how long you’ve lived in Canada after age 18, not how much you earned.

To be eligible, you must:

• Be 65 or older
• Be a Canadian citizen or legal resident
• Have lived in Canada for at least 10 years after turning 18

If you’re outside the country, you need at least 20 years of Canadian residency after age 18 to receive payments.

OAS is adjusted quarterly for inflation (January, April, July, and October). So, amounts often change slightly year to year.

$2,130 Payment Include

Let’s get real: no single OAS cheque says “$2,130” on it. But combined with the GIS and other benefits, a senior could receive that much.

Here’s how it breaks down for a single low-income senior aged 75+:

• OAS: $800.44
• GIS: $1,086.88
• Other Supplements (e.g., Allowance, top-ups): Varies
• Total: Up to or above $2,130

The key is that GIS is income-tested. If you earn too much, it drops—or disappears entirely. But if you’re living on a very limited income, the government makes up the difference.

GIS

The Guaranteed Income Supplement is an additional, non-taxable benefit for seniors who get OAS but don’t have enough income from other sources.

Eligibility Requirements:

• Must receive OAS
• Annual income must be below:
  • $22,056 for singles
  • $29,136 for couples (both receiving OAS)

GIS is recalculated each year based on your income tax return. If your income drops, your GIS can increase.

Allowance & Survivor Benefits

If you’re 60–64 years old and your spouse gets GIS, or if you’re a widowed senior, you might qualify for:

• The Allowance (if your spouse/partner receives GIS)
• The Allowance for the Survivor (if you’re widowed and meet the income criteria)

These can add $1,300+ to your monthly income in some cases, which explains how some people hit or exceed that $2,130 number.

June 2025 Payment Date

Mark your calendar: June 28, 2025 is the payment date for OAS and GIS this month.

• Direct deposit? You’ll get your funds on that date.
• Cheque in the mail? Allow a few extra days for delivery.

Tip: Update your bank account or mailing address in your My Service Canada Account to avoid delays.

How to Maximize Your Benefits

Want to get closer to that $2,130/month? Try these strategies:

1. Delay OAS until age 70 – You’ll get 0.6% more per month delayed, up to 36% more at age 70.
2. Minimize taxable income – TFSA withdrawals won’t affect GIS eligibility. RRIF or CPP might.
3. Apply early – You can apply for OAS up to 11 months before your 65th birthday.
4. File taxes yearly – Even with no income. Your GIS depends on this.
5. Check eligibility for Allowance – Especially if you’re under 65 and your partner gets GIS.

Tax and Income Notes

• OAS is taxable – It counts as income and may be clawed back if your annual income exceeds $90,997 (2025 threshold).
• GIS is not taxable – It’s a tax-free top-up meant to help the lowest-income seniors.

Real Example

Let’s say John, a 76-year-old single senior living in rural Alberta, has no private pension or RRSP income. He qualifies for full OAS and GIS:

• OAS: $800.44
• GIS: $1,086.88
• Total: $1,887.32/month
• He also receives $200 from a provincial housing subsidy

John’s actual monthly income = $2,087.32, very close to that widely shared $2,130 number.

The $2,130 OAS payment in June 2025 is very real—but not for everyone. It represents the high end of government support for seniors who have little to no other income. To get the most from the system, know your eligibility, file your taxes, and plan ahead.

It’s not just about age—it’s about income, timing, and smart decisions.

FAQs