In June 2025, eligible low-income Canadian seniors will receive a total of up to $1,976 through combined monthly payments from the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS). This payment serves as essential income support for those navigating retirement on a tight budget.
This article will guide you through everything you need to know — eligibility, payment dates, and how you can make sure you receive the full amount.
Payment Breakdown: Where the $1,976 Comes From
The total amount is not a one-time bonus, but rather the monthly sum of three government benefits. Here’s how the amounts stack up:
| Benefit Type | Estimated Monthly Amount (2025) |
|---|---|
| CPP (average) | $760 |
| OAS (average) | $691 |
| GIS (max for single) | $525 |
| Total | Up to $1,976 |
These figures may vary based on income, marital status, age, and personal contribution history. For low-income seniors, this combined amount can be a financial lifeline.
Understanding Each Benefit
Canada Pension Plan (CPP)
The CPP is a contributory retirement pension. You are eligible if:
- You contributed during your working years
- You are at least 60 years old
- The more you contributed, the higher your monthly amount
CPP also covers survivors, disabilities, and children of contributors.
Old Age Security (OAS)
OAS is available to seniors aged 65 and over, regardless of work history. To qualify:
- You must be 65+
- You need at least 10 years of residency in Canada after age 18
- Your income must be below a specific threshold for full payment
The average OAS monthly payment is around $691, and slightly higher for seniors aged 75+.
Guaranteed Income Supplement (GIS)
GIS is a non-taxable monthly payment for low-income seniors who already receive OAS. To be eligible:
- You must receive OAS
- Your income must fall below specific thresholds
- You must apply separately if not enrolled automatically
The maximum GIS for single seniors is around $525 per month, but the actual amount depends on income and marital status.
Who Is Eligible for the Full $1,976?
To receive the full amount this June:
- You must be 65 years or older
- Be a Canadian resident
- Receive both CPP and OAS
- Have a low enough income to qualify for GIS
If you meet these conditions, you could see the full $1,976 deposited into your bank account in mid-June.
Steps to Ensure You Receive the Payment
- Log in to My Service Canada Account (MSCA):
Confirm your benefit eligibility and contribution records. - Apply for GIS (if not receiving it yet):
GIS is not automatic unless you’ve authorized Service Canada to use your tax return. Apply online or via a Service Canada office. - Update Your Banking Info:
If you changed banks recently, ensure your direct deposit details are updated to avoid delays. - Check Payment Timing:
Benefits are usually deposited by mid-month, around June 15–20, 2025.
Payment Dates for June 2025
| Benefit | Expected Deposit Date |
|---|---|
| CPP | Mid-June (around June 15) |
| OAS | Mid-June (around June 15) |
| GIS | Paid along with OAS |
The $1,976 total payment for low-income CPP and OAS recipients in June 2025 offers critical financial relief to Canadian seniors. It combines monthly benefits from CPP, OAS, and GIS into a package designed to support those with limited income.
By verifying your eligibility, updating your information, and applying for GIS if needed, you can ensure timely access to the full benefit amount.
FAQs
Do I have to apply for GIS every year?
Yes, unless you’ve authorized automatic renewal through your tax return, you must reapply annually.
What if I only get CPP or OAS but not GIS?
You may be missing out on additional income. Check your eligibility and submit a GIS application if qualified.
Can I receive these benefits if I live outside Canada?
OAS and CPP can still be paid if you meet the residency requirements, but GIS is generally not available to those living outside Canada.