In July 2025, many Canadian seniors are expecting higher Old Age Security (OAS) payments, leading to confusion around a rumored $1,860 monthly benefit. While OAS amounts have been increasing in line with inflation and age-based adjustments, it’s important to clarify that there is no confirmed one-time $1,860 OAS payment. Instead, the figures floating around appear to misrepresent the actual structure of OAS benefits. Let’s break down what seniors can really expect from their July 2025 OAS payments and the eligibility rules tied to them.
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What Is the Old Age Security (OAS) Program?
Old Age Security is a monthly payment from the Canadian government to eligible seniors aged 65 or older. It is not tied to your work history or employment income. However, how much you receive depends on your age, how long you’ve lived in Canada, and your annual income. For seniors 75 and older, higher payment rates apply.
July 2025 OAS Payment Update: What’s Real?
No $1,860 OAS Monthly Payment
The claim of a $1,860 OAS monthly benefit in July 2025 is not accurate. As of the latest official update:
| Age Group | Maximum Monthly OAS (as of July 2025) |
|---|---|
| Ages 65–74 | $727.67 CAD |
| Ages 75 and older | $800.44 CAD |
These amounts represent maximum monthly payments, adjusted quarterly based on the Consumer Price Index (CPI) to reflect inflation.
Payment Increase in July 2025
The OAS benefit will increase by 1% in July 2025, contributing to a total annual rise of 2.3% for the year. This increase is automatic and requires no action from seniors already receiving OAS.
What Determines OAS Eligibility?
To qualify for OAS in 2025, you must meet the following basic requirements:
- Be 65 years or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after age 18
- Meet income requirements to receive full or partial OAS
For seniors over 75, the government provides an additional 10% monthly bump in recognition of higher living expenses with age.
Is There a One-Time Lump Sum Payment?
There is no evidence of a one-time $1,860 OAS payment in July 2025. What may be causing confusion is the total of multiple monthly government benefits (e.g., OAS + CPP + GIS), which together may exceed $1,800 for some individuals, depending on their situation. However, OAS alone does not reach that figure.
Upcoming OAS Payment Dates
For reference, OAS payments are typically made on the last weekday of each month. Here are the next few payment dates:
| Month | Payment Date |
|---|---|
| July 2025 | July 31, 2025 |
| August 2025 | August 29, 2025 |
| September 2025 | September 30, 2025 |
How to Maximize Your OAS
To receive the maximum possible OAS benefit:
- Delay your OAS: You can defer receiving your OAS for up to 60 months (5 years) after turning 65. Each month you defer adds 0.6% to your benefit—up to 36% more at age 70.
- Reduce taxable income: High-income seniors may have their OAS clawed back through the OAS Recovery Tax if their net annual income exceeds $90,997 (as of 2025).
- Claim GIS: Low-income seniors may also qualify for the Guaranteed Income Supplement (GIS), which can significantly boost monthly income.
The $1,860 OAS benefit rumored for July 2025 does not reflect official government figures. The true maximum monthly OAS benefit is $800.44 for those aged 75 and older, with an automatic inflation-based increase beginning in July 2025. While there is no lump sum payment confirmed, seniors receiving OAS will benefit from consistent, inflation-adjusted support. If you’re unsure about your eligibility or how much you can receive, it’s best to check your Service Canada account or contact their support line.
FAQs
Is everyone over 65 eligible for $1,860 in OAS?
No. The maximum monthly OAS benefit is currently $727.67 (ages 65–74) and $800.44 (ages 75+). There is no $1,860 benefit.
When is the next OAS payment in July 2025?
The next OAS payment will be made on July 31, 2025.
Will OAS amounts continue to increase?
Yes, OAS benefits are reviewed and adjusted quarterly based on inflation as measured by the Consumer Price Index (CPI).
Is there a way to increase my OAS benefit?
Yes, you can defer OAS payments up to age 70 for a larger monthly payout.
Can I receive OAS and CPP at the same time?
Yes, OAS and CPP are separate programs and can be received concurrently.
