$1,860 OAS Payment Scheduled for July – Eligibility Criteria and Payment Timeline

Published On: July 28, 2025

Canada’s seniors have a little more to smile about this summer. In July 2025, eligible retirees will receive an increased Old Age Security (OAS) payment—with some getting up to $1,860 per month.

This new figure isn’t just a random bump; it’s part of a quarterly review to match the rising cost of living and inflation. And guess what?

The latest increase is a 1% jump over the last quarter and a full 2.3% increase compared to the same time last year.

But don’t assume everyone will get that $1,860. That’s a maximum figure, including OAS and extra top-up programs like the GIS and other allowances. Let’s break it down so you know exactly what’s coming your way.

Table of Contents

1 Increases
2 Breakdown
3 Eligibility
4 OAS Pension
5 Recipients
6 Supplements
7 FAQs

Increases

July’s OAS adjustment reflects the government’s commitment to supporting seniors facing growing financial pressure. The Employment and Social Development Canada (ESDC) calculates this every quarter to ensure OAS keeps up with inflation.

This quarter, the payment got a 1% hike compared to April–June 2025. And if we compare it to last year’s July–September figures, it’s gone up by 2.3%.

The reason? Simple—costs are up everywhere, from groceries to gas. And the government’s trying to make sure seniors don’t fall behind.

Breakdown

Now, let’s be real: the $1,860 figure is not for every senior. It includes OAS payments and several supplemental benefits. Here’s a look at how it breaks down by age and benefit type:

Senior Age Group	Monthly OAS	Extra Government Income	Maximum Amount Received
Age 65–74	Up to $734.95	Not applicable	Up to $734.95
Age 75 and older	Up to $808.45	GIS / Top-up / Allowances	Up to $1,860

So, only seniors 75 or older, with low income, and already receiving full OAS and other supplements, may reach that maximum monthly amount.

Eligibility

Let’s talk about who qualifies. To receive any OAS payment, you need to meet a few basic conditions:

Be 65 or older
Be a legal resident of Canada
Have lived in Canada for at least 10 years since turning 18

And when it comes to the maximum payment, the bar gets even higher. To get the full OAS pension, you must have lived in Canada for at least 40 years after turning 18.

OAS Pension

Type	Residency Requirement	Payment Condition
Full OAS	40 years or more in Canada	Eligible for max OAS benefit
Partial OAS	10–39 years in Canada	Calculated as (Years lived ÷ 40) × Max OAS amount

There are even international agreements that allow some non-residents to qualify—if they were legal citizens and lived in Canada for at least 20 years.

Recipients

Who exactly can pocket the $1,860 in July 2025?

Here’s the list:

Aged 75 or above
Living in Canada for 10+ years
Earning below the income threshold
Receiving full OAS
Also getting GIS or other government supplements

Those aged 65–74 will typically receive around $734 monthly, unless they’re getting other allowances.

Supplements

Here’s a quick snapshot of the additional programs that help seniors boost their income:

Program	Max Monthly Payment	Who It’s For
GIS	Up to $1,086	Low-income seniors (based on couple’s income)
The Allowance	Up to $654.23	Low-income spouses/common-law partners
Survivor Allowance	Up to $1,647	Widowed seniors with no other income

All these are on top of the OAS and help push that total monthly payment to $1,860 in some cases.

As prices keep climbing, these quarterly reviews ensure that OAS remains a reliable source of support for Canadian seniors. Whether you’re receiving a full or partial pension, or additional allowances, staying informed can help you plan better and make the most of these benefits.