If you’re a Canadian senior or soon to be one, July 2025 comes with good news. The federal government has confirmed a combined Old Age Security (OAS) and Canada Pension Plan (CPP) payment of up to $2,250 for eligible seniors. That’s a big deal—and it’s catching attention across the country.
So, what does this mean for you? Who qualifies? And what should you do to make sure you don’t miss out? Let’s break it all down in simple, easy-to-follow steps.
Overview
The OAS program is a government initiative that provides monthly financial support to seniors. While the Canada Pension Plan depends on your work contributions, OAS is based mostly on how long you’ve lived in Canada.
The new $2,250 total payment in July 2025 isn’t just OAS—it’s the combined maximum of both OAS and CPP. Here’s a quick summary:
| Feature | Details |
|---|---|
| OAS Benefit (75+ years) | Up to $800.44 per month |
| CPP Maximum Payment | Up to $1,364.60 per month |
| Combined Maximum Benefit | Up to $2,250 per month |
| Payment Date | July 26, 2025 |
| Eligibility Age | 65 and older |
| Residency Requirement | At least 10 years in Canada post-18 |
Basics
OAS is not based on your job history. Instead, it focuses on your age and how long you’ve lived in Canada. So, even if you’ve never worked in the country, you may still qualify as long as you meet the basic requirements.
For full OAS, you typically need to have lived in Canada for 40 years after turning 18. But if you’ve lived here at least 10 years, you could still get partial benefits.
Eligibility
Let’s clear up who qualifies in 2025. To receive OAS, you must:
- Be at least 65 years old
- Be a Canadian citizen or permanent resident
- Have lived in Canada for at least 10 years after age 18
For full benefits, those 10 years stretch to 40. But even if you haven’t hit that mark, you could still receive a partial amount.
Application
Think you qualify? Great! Here’s how to apply:
1. Check Your Eligibility
Make sure you’re the right age and meet the residency requirements.
2. Apply at Age 64
Yes, don’t wait until you’re 65. Applying early (at least 6 months before your birthday) helps avoid delays.
3. Use the Right Channels
You can apply online via the Service Canada website, by mail, or in person at a Service Canada Centre. You’ll need your SIN, personal info, and details of your time living in Canada.
Once approved, your monthly payments will start automatically. For July 2025, your money should land in your account by July 26.
CPP
CPP, on the other hand, is all about your work history and the contributions you made. You can start collecting CPP as early as age 60, though the payment is lower. If you wait until 65 or even 70, the monthly amount increases.
In 2025, the maximum monthly CPP payout is $1,364.60. That, combined with your OAS, can get you up to $2,250 a month if you’re eligible for the full amounts.
Mistakes
Here are a few things that trip people up:
1. Waiting Too Long to Apply
Don’t delay—apply at 64 to ensure timely payments at 65.
2. Not Updating Personal Info
Keep your details with Service Canada updated, including banking info, address, and SIN.
3. Ignoring Partial Payments
If you haven’t been in Canada 40 years, you might still get a reduced benefit. Don’t assume you’re not eligible—check first.
Extras
There’s more support out there for seniors than just OAS and CPP. Here are some helpful programs:
Guaranteed Income Supplement (GIS)
If your income is low and you’re receiving OAS, you might get extra money through the GIS.
Senior Discounts
Many provinces offer reduced prices on things like public transportation, healthcare, and more.
Tax Benefits
You might qualify for deductions like the Age Credit or Pension Income Splitting. These can reduce the amount of tax you owe or boost your refund.
With so many options, it pays to do a little homework. Take time to understand what you’re entitled to—because every dollar counts when you’re living on a fixed income.
Whether you’re already retired or planning ahead, knowing your options gives you power. With up to $2,250 in combined benefits available, July 2025 could be a turning point for many Canadian seniors. Don’t miss out—get your paperwork ready, apply on time, and stay informed.
FAQs
Who qualifies for the $2,250 benefit?
Canadian residents aged 65+ with CPP and OAS eligibility.
When is the July OAS payment date?
July 26, 2025.
How much OAS can seniors get?
Up to $800.44 per month for those aged 75+.
How do I apply for OAS benefits?
Apply online or at a Service Canada Centre starting at age 64.
What if I haven’t lived in Canada 40 years?
You may still qualify for partial OAS benefits.
