In July 2025, many Canadian seniors are hearing about a possible $1,860 monthly Old Age Security (OAS) payment. This has caused a lot of confusion. The truth is, there is no confirmed $1,860 monthly OAS benefit. The real OAS payments are based on age and other rules. Let’s look at what seniors can really expect in July 2025.

What Is the Old Age Security (OAS) Program?

OAS is a monthly payment from the Canadian government. It is given to people who are 65 years or older. You don’t need to have worked or paid into a program to get it. The amount you receive depends on your age, how long you lived in Canada, and your income. If you are 75 or older, you get a higher monthly payment.

July 2025 OAS Payment Update: What’s the Truth?

There is no $1,860 monthly OAS payment. That number is not from any official source. Many people may be confusing it with the total from several programs like CPP (Canada Pension Plan), GIS (Guaranteed Income Supplement), and OAS together. But the OAS by itself does not reach that amount.

OAS Monthly Payment Amounts (July 2025)

Here is the real breakdown of the OAS monthly amounts:

Age Group	Maximum Monthly OAS (July 2025)
Ages 65–74	$727.67 CAD
Ages 75 and older	$800.44 CAD

These payments are adjusted every three months based on inflation (CPI).

July 2025 Increase

Starting in July 2025, OAS payments will go up by 1%. This increase is automatic. Seniors don’t have to apply. Over the year, this brings a total increase of 2.3% in 2025.

Who Can Get OAS in 2025?

To receive OAS, you must meet some basic rules:

• Be 65 or older
• Be a Canadian citizen or legal resident
• Have lived in Canada for at least 10 years after age 18
• Have income within limits to receive full or partial OAS

If you are 75 or older, you get 10% more every month. This helps with the higher cost of living as you age.

Is There a $1,860 One-Time Payment?

No, there is no one-time OAS payment of $1,860 in July 2025. Some seniors may receive over $1,800 monthly when you add OAS, CPP, and GIS. But OAS alone never reaches that amount. Be careful of false news or social media rumors.

OAS Payment Dates (July–September 2025)

Payments are 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 Get the Most from OAS

There are a few ways to increase or protect your OAS payments:

• Delay Your OAS: You can choose to start OAS later—up to age 70. For every month you wait, your payment increases by 0.6%. Waiting until age 70 gives you 36% more.
• Lower Your Income: If your yearly income is over $90,997, part of your OAS will be taken back through the OAS Recovery Tax.
• Apply for GIS: If you have low income, you may also qualify for GIS. This gives you extra monthly money with your OAS.

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