Canadian seniors relying on government benefits can expect a welcomed boost beginning July 2025, as the OAS + GIS increase in July 2025 takes effect. This change is part of the government’s efforts to address inflation, cost of living, and support the growing number of retirees.
Overview of OAS and GIS in 2025
The Old Age Security (OAS) and Guaranteed Income Supplement (GIS) are key pillars of Canada’s retirement income system. These benefits are indexed quarterly to keep up with inflation, and the OAS + GIS increase in July 2025 reflects adjustments based on the latest Consumer Price Index (CPI) data.
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OAS eligibility starts at age 65, offering a base monthly payment.
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GIS is an additional income-tested benefit for low-income seniors receiving OAS.
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Both are non-taxable and automatically adjusted.
What Is the New OAS Payment in July 2025?
The OAS increase in July 2025 will raise monthly payments by approximately $22 to $28, depending on age and income bracket. This reflects a 2.5% CPI-based adjustment since the last quarter.
| Age Group | Old OAS (June 2025) | New OAS (July 2025) | Increase |
|---|---|---|---|
| 65–74 | $713.34 | $731.67 | +$18.33 |
| 75+ | $784.67 | $806.29 | +$21.62 |
GIS amounts are also rising, with a maximum increase of $29.45 for single seniors, based on income thresholds.
Why Are OAS and GIS Increasing in July 2025?
The OAS + GIS increase in July 2025 is driven by:
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Rising inflation and consumer prices
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Higher housing, food, and medical costs
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The government’s ongoing mandate to preserve purchasing power for seniors
Indexing ensures seniors don’t fall behind as the cost of living rises, and it reflects Canada’s commitment to elder financial security.
Impact on Low-Income Seniors
Low-income seniors who rely heavily on GIS payments will feel the most benefit. Combined OAS and GIS increases can raise total monthly income by up to $50, helping with essentials like groceries, transportation, and rent.
These changes especially support:
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Single seniors with no other income sources
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Seniors with disabilities
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Indigenous and rural senior populations
How to Receive the New OAS and GIS Amounts
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No reapplication is needed – payments adjust automatically.
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The first new OAS + GIS payment will be deposited in the last week of July 2025.
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Use your My Service Canada Account to verify updated benefit amounts.
Conclusion
The OAS + GIS increase in July 2025 is a modest but meaningful step toward protecting Canadian seniors from rising costs. As more seniors face financial pressures, every additional dollar counts.
FAQs
What is the OAS + GIS increase in July 2025?
OAS will rise by around $18–$22 per month, and GIS could increase by up to $29. These changes reflect the CPI adjustment for inflation.
When will I get the increased OAS and GIS payments?
Payments with the new rates begin in the final week of July 2025, and continue quarterly.
Do I need to apply to get the increase?
No, the increases are automatic if you are already enrolled in OAS and GIS.
Is the GIS increase taxable?
No, both OAS and GIS are non-taxable government benefits.
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