In April 2025, eligible Canadian seniors could receive up to $1,450 per month through a combination of Old Age Security (OAS), Guaranteed Income Supplement (GIS), and the Allowance or Allowance for the Survivor.
With cost-of-living pressures continuing to impact retirees, these government programs provide vital support to low-income seniors.
This guide breaks down the current benefit amounts, eligibility criteria, and how seniors can apply to ensure they’re receiving every dollar they’re entitled to.
What is the $1,450 OAS Benefit?
While the OAS pension itself maxes out at $800.44 for those aged 75 and older, low-income seniors may qualify for additional monthly amounts through:
- Guaranteed Income Supplement (GIS)
- Allowance
- Allowance for the Survivor
Combined, these programs can result in monthly payments exceeding $1,450, depending on age, marital status, and income level.
Updated Payment Breakdown – April 2025
| Benefit Type | Maximum Monthly Amount | Eligibility Highlights |
|---|---|---|
| Old Age Security (OAS) | Up to $800.44 | Age 65+, residency of 10+ years in Canada |
| Guaranteed Income Supplement (GIS) | Up to $1,086.88 | Low income + receiving OAS |
| Allowance | Up to $1,381.90 | Age 60–64 + partner receives GIS |
| Allowance for the Survivor | Up to $1,647.34 | Age 60–64 + widowed + low income |
Who Is Eligible for These Benefits?
Old Age Security (OAS)
- Must be 65 or older
- Must be a Canadian citizen or legal resident
- Must have lived in Canada for at least 10 years after age 18
- Full amount for 40+ years of residency; partial for fewer years
Guaranteed Income Supplement (GIS)
- Must be receiving OAS
- Annual income thresholds:
- Single: Less than $22,056
- Couple (both on OAS): Less than $29,136
- One on Allowance: Less than $40,800
Allowance
- Aged 60 to 64
- Spouse/common-law partner gets GIS
- Combined income less than $40,800
Allowance for the Survivor
- Aged 60 to 64
- Spouse or partner has passed away
- Income below $29,712
- Have not remarried or entered a new common-law relationship
How to Apply for the OAS + GIS Benefits
Step 1: Check Auto-Enrollment
Some individuals are automatically enrolled at age 64. If you haven’t received a letter, contact Service Canada.
Step 2: Gather Documents
- Social Insurance Number (SIN)
- Residency history from age 18
- Banking info for direct deposit
- Spouse/partner details (if needed)
Step 3: Apply Online or by Mail
- Online via My Service Canada Account (MSCA)
- Or download the forms from canada.ca and mail them
Step 4: Track Your Application
Processing may take weeks. Monitor your application status online or contact Service Canada.
Why These Benefits Matter in April 2025
With prices on the rise, April 2025 sees increased financial strain for seniors. These benefits help cover:
- Groceries
- Prescription medications
- Housing and utilities
- Transportation and medical visits
Accessing your full entitled benefit could mean an extra $17,000+ per year, helping ease everyday burdens.
The $1,450 OAS benefit for low-income seniors in April 2025 is more than just a number—it’s a lifeline for those managing on limited means.
With eligibility spanning multiple programs—OAS, GIS, and Allowance—seniors must stay informed and take timely action to access these funds.
If you or someone you know fits the criteria, don’t delay—apply or confirm enrollment today.
FAQs
What is the maximum OAS payment in April 2025?
Up to $800.44 per month for seniors aged 75 or older.
Can I get GIS if I live with a partner who isn’t on OAS?
Yes, but your combined income must be below $52,848 for eligibility.
Do I need to reapply each year?
Most benefits renew automatically, but income reviews are conducted annually to determine continued eligibility.