For many older Canadians, June 2025 offers a welcome financial boost. Low-income seniors receiving both Canada Pension Plan (CPP) and Old Age Security (OAS) benefits could receive up to $1,976 this month. This total includes regular payments and, in some cases, the Guaranteed Income Supplement (GIS), which is designed to support those with limited income.
In this article, we’ll explain where this money is coming from, who qualifies, and what steps seniors should take to ensure they receive the full amount.
Breakdown
The $1,976 figure is not a one-time bonus. It’s the combined total of regular monthly benefits for eligible seniors who qualify for CPP, OAS, and GIS.
| Benefit Type | Average Monthly Amount (2024) |
|---|---|
| CPP (average) | $760 |
| OAS (average) | $691 |
| GIS (max for single) | Up to $525 |
| Total (estimated) | Up to $1,976 |
This amount varies depending on income level, marital status, and contribution history. But for qualifying low-income individuals, this monthly payment can be a financial lifeline.
CPP
The Canada Pension Plan provides retirement income based on how much you contributed during your working years. It’s available starting at age 60, though payments increase the longer you wait to begin collecting.
Key points:
- Must have contributed to CPP at least once.
- The more you earned and contributed, the higher your monthly benefit.
- Disability, survivor, and children’s benefits are also available under CPP.
OAS
Old Age Security is a monthly benefit for Canadians aged 65 and over. It’s not based on employment history, but rather your age and how long you’ve lived in Canada.
Eligibility basics:
- Must be 65 or older.
- Need at least 10 years of residency in Canada after turning 18.
- Amounts may be reduced if your income is above certain thresholds.
As of early 2025, the average monthly OAS payment is around $691, with a maximum of $705.56. Seniors over 75 receive slightly higher payments.
GIS
The Guaranteed Income Supplement is where things really add up for low-income seniors. GIS is non-taxable and only available to those already receiving OAS.
GIS eligibility:
- Must have low income (exact thresholds vary).
- Must be receiving OAS.
- Requires a separate application.
- Reassessed each year based on your tax return.
The GIS can add several hundred dollars per month to your retirement income. Combined with OAS and CPP, this can total up to $1,976 or more monthly for some seniors.
Steps
If you want to ensure you receive your full benefit amount this June, here’s what to do:
1. Check Your Contributions
Log into your My Service Canada Account (MSCA) to check your CPP and OAS records. Review your:
- Contribution history
- Estimated benefits
- Payment status
This helps catch any issues before they delay your payments.
2. Apply for GIS
GIS isn’t automatic. You must apply separately. Visit the Service Canada website or your local office and submit your application, along with required income documentation.
If you’re unsure whether you qualify, Service Canada can help assess your eligibility using your most recent tax return.
3. Update Banking Info
Direct deposit is faster and more secure. If you’ve changed banks or opened a new account, update your information through MSCA. This ensures your June payment reaches you without delay.
4. Meet Residency Requirements
OAS benefits require proof of residence. If you’ve lived abroad or moved recently, contact Service Canada to confirm your eligibility status and prevent disruptions.
Seniors living outside of Canada may still receive OAS, depending on their residency history, but it’s important to provide updated information regularly.
Payment
Most government benefits, including CPP and OAS, are paid mid-month. For June 2025, expect your deposit around June 15. Payments may vary slightly depending on weekends and banking hours.
Here’s what to expect:
| Benefit | Expected Payment Date |
|---|---|
| CPP | Mid-June (by June 15) |
| OAS | Mid-June (by June 15) |
| GIS | Paid with OAS |
Make sure your account is set up correctly to avoid delays, especially if you’ve recently changed banks or addresses.
Recap
The $1,976 payment in June 2025 isn’t a new government benefit, but a realistic total for seniors receiving combined CPP, OAS, and GIS payments. If you’re a low-income senior or planning to apply soon, make sure you know what you’re entitled to and take proactive steps to ensure smooth delivery.
FAQs
Is the $1,976 a one-time payment?
No, it’s a monthly total from CPP, OAS, and GIS.
Do I have to apply for GIS?
Yes, GIS requires a separate application.
When will June payments arrive?
Around June 15, 2025, depending on your bank.
Can I get OAS if I live abroad?
Yes, if you meet the residency rules.
How do I check my benefit status?
Use the My Service Canada Account portal.
