Sherry
The Canadian Pension Plan (CPP), Old Age Security (OAS), and Guaranteed Income Supplement (GIS) are crucial financial supports for seniors and low-income Canadians. As of June 2025, these programs continue to provide essential financial security to eligible individuals.
If you’re wondering when you’ll receive your next payment or how much you’ll get, this article breaks down everything you need to know, including eligibility, payment schedules, and the payment amounts.
Who Qualifies for CPP, OAS, and GIS?
Before diving into the payment schedules, it’s important to understand who qualifies for these key benefits:
Canada Pension Plan (CPP)
The CPP provides monthly payments to people who have contributed to the plan while working. Eligibility is based on the number of years you’ve worked and contributed.
Typically, you must be at least 60 years old to begin receiving payments, but they can be taken as early as age 60 or as late as 70 to increase the monthly amount.
Old Age Security (OAS)
OAS is a monthly payment available to Canadian citizens or legal residents aged 65 and older.
The amount is based on the number of years you’ve lived in Canada after turning 18, with the maximum benefit being available to those who have lived in Canada for at least 40 years.
Guaranteed Income Supplement (GIS)
The GIS is a supplementary benefit for low-income seniors receiving OAS. The amount is income-tested, meaning it depends on your income and marital status.
To qualify, you must already be receiving OAS, and your income must be below certain thresholds to receive GIS payments.
CPP, OAS, GIS Payment Schedule for June 2025
The payment dates for CPP, OAS, and GIS are typically consistent and follow a set pattern. For June 2025, here is the breakdown:
| Program | Payment Date | Payment Amount (Approx.) |
|---|---|---|
| CPP | June 30, 2025 | $1,200 – $1,400 per month |
| OAS | June 27, 2025 | $615 – $1,200 per month |
| GIS | June 27, 2025 | $300 – $1,200 per month |
Note: The amounts for CPP, OAS, and GIS can vary based on your personal contribution history for CPP, residency for OAS, and income for GIS.
How Much Will I Get in June 2025?
The payment amounts for CPP, OAS, and GIS can fluctuate based on several factors:
- CPP Amount: For CPP, the average monthly amount in 2025 for individuals who begin at age 65 is approximately $1,200 – $1,400, but it can increase if you delay receiving payments until age 70. Your contribution history directly impacts how much you will receive.
- OAS Amount: The maximum OAS amount for a single individual in 2025 is around $1,200 per month for those who have lived in Canada for 40 years. If you have lived in Canada for fewer years, your payment will be lower, starting at around $615 for those with less than 20 years of residency.
- GIS Amount: The GIS is designed to help low-income seniors. The exact amount varies depending on your income, with a maximum payment of $1,200. The income threshold for eligibility is $18,000 for a single individual or $24,000 for a couple.
How to Apply for CPP, OAS, and GIS
CPP:
You can apply for CPP online, by mail, or in person. Applications are usually processed around six months before your desired start date. Be sure to have your SIN and banking information handy.
OAS:
If you’ve lived in Canada for 10 years or more after turning 18, you are automatically eligible to receive OAS when you turn 65. If you have fewer years of residence, you’ll need to apply online.
GIS:
You must apply for GIS if your income is below the set threshold. GIS applications can be submitted through your OAS application, and you’ll need to provide details about your income.
Key Points to Remember
- Payment Dates: CPP, OAS, and GIS are paid monthly, with payments typically arriving near the end of the month.
- Income Thresholds: Your income level directly affects your GIS payment. Make sure to keep your income documentation updated with Service Canada to ensure you’re receiving the correct amount.
- Living Abroad: If you plan on living outside Canada, you may still be eligible for OAS and GIS, but there are rules that may affect the amount or eligibility depending on the country.
As we move into June 2025, it’s important to stay informed about the CPP, OAS, and GIS programs, as these payments provide essential support for seniors and low-income individuals.
Make sure you understand the payment schedules, eligibility requirements, and amounts to ensure you’re maximizing your benefits.
If you have questions, or if your financial situation changes, be sure to contact Service Canada to keep your records up to date and maintain the right level of support.
FAQs
When will I receive my CPP, OAS, or GIS payment in June 2025?
Payments for CPP will be issued on June 30, 2025, while OAS and GIS payments are scheduled for June 27, 2025.
How can I check my eligibility for GIS in June 2025?
You can check your GIS eligibility based on your income through your OAS application or by contacting Service Canada for an assessment.
Can I apply for OAS if I haven’t lived in Canada for 40 years?
Yes, you can still apply for OAS if you’ve lived in Canada for at least 10 years. The amount will be reduced based on your residency history.