In April 2025, Canadian seniors may receive a combined $1,980 through the Old Age Security (OAS) and Guaranteed Income Supplement (GIS) programs. This amount is made up of both regular monthly payments, but it’s important to understand that the actual payment depends on your eligibility, income, and age. While some seniors could see a substantial deposit, others may receive less based on their personal circumstances. Let’s explore how these payments work and who qualifies for them.
$1980 OAS Deposit in April 2025
| Feature | Details |
|---|---|
| April 2025 OAS Payment Date | April 28, 2025 |
| Maximum OAS Monthly Amount | $727.67 (ages 65–74), $800.44 (75+) |
| Maximum GIS Amount (Single) | $1,086.88 per month |
| Total Monthly Support Possible | Up to ~$1,980/month (OAS + GIS + supplements) |
| Eligibility Age | 65+ for OAS |
| Official Source | Government of Canada (canada.ca) |
Breakdown of OAS and GIS Payments
OAS and GIS are two separate programs that together offer crucial financial support to seniors in Canada. The total combined amount can reach up to $1,980 per month, depending on eligibility.
OAS Payments
- Seniors aged 65–74: Up to $727.67 per month.
- Seniors aged 75+: Up to $800.44 per month.
GIS Payments
- Single seniors: Up to $1,086.88 per month, depending on income.
- Married seniors: Up to $654.23 per month per person, based on combined income.
If you qualify for both OAS and GIS, the total monthly amount can be significant, with some seniors receiving up to $1,887.32 combined. For those who are 75 and older, the maximum combined payment can approach $1,980.
Payment Date and Process
The OAS and GIS payments for April 2025 will be deposited on April 28, 2025. Seniors who have set up direct deposit will receive their payments on this date. For those who receive payments by cheque, allow extra time for mail delivery.
Payment Schedule
- January 29
- February 27
- March 26
- April 28
- May 29
- June 26
- July 29
- August 28
- September 25
- October 29
- November 27
- December 20
Eligibility Criteria for OAS and GIS
To qualify for Old Age Security (OAS) and Guaranteed Income Supplement (GIS), seniors must meet specific requirements based on their age, income, and residency. Here’s a breakdown of the eligibility criteria for each program:
OAS Eligibility Criteria
- Must be 65 years or older.
- Must be a Canadian citizen or legal resident of Canada.
- To receive the full OAS benefit, you must have lived in Canada for at least 40 years after age 18. If fewer years, the amount is prorated.
GIS Eligibility Criteria
- Must be already receiving OAS.
- For single seniors, income must be below $22,056 per year.
- For married seniors, combined income should be below $29,136 per year.
- Must be a Canadian citizen or legal resident of Canada.
How to Ensure You Receive Your Payment
Set Up Direct Deposit
Direct deposit is the fastest and most reliable way to receive your payments. You can set it up through your My Service Canada Account.
Keep Your Information Updated
Ensure your personal information, including address and banking details, is up to date with Service Canada to avoid delays.
Monitor Your Payments
You can easily track your OAS and GIS payments through your My Service Canada Account to ensure you are receiving the correct amount.
Additional Financial Assistance for Seniors
Aside from OAS and GIS, some provinces offer additional financial assistance programs for low-income seniors. These programs vary by region and are usually income-tested.
- Ontario: GAINS (Guaranteed Annual Income System) helps low-income seniors.
- British Columbia: The BC Seniors Supplement offers extra financial support.
- Alberta: The Alberta Seniors Benefit provides additional monthly payments.