$3,500 OAS Boost Coming This Month – See If You’re On The Eligibility List!

There’s been a lot of buzz lately about a $3,500 Old Age Security (OAS) payment heading to seniors in Canada—but here’s the truth: as of June 2025, no one-time $3,500 cheque has been confirmed.

What is real is that some seniors can receive around $3,500 per month when combining three government programs: OAS, Guaranteed Income Supplement (GIS), and Canada Pension Plan (CPP).

This article clarifies what’s genuine, who qualifies, how much you could receive, and how to avoid scams.

Understanding the $3,500 Monthly Total

Benefit	Monthly Maximum	Eligibility
OAS (65–74)	$727.67	Age 65–74, Canadian residence
OAS (75+)	$800.44	Age 75+, Canadian residence
GIS	Up to $1,065.47	Low-income OAS recipients
CPP	Up to $1,364.60	Based on contributions and retirement age
Total	~$3,500/month	Eligible seniors with all three benefits

Yes—you won’t find a single cheque, but eligible seniors receiving all three could see $3,500 or more in combined monthly payments.

Breaking Down Each Benefit

Old Age Security (OAS)

Who is eligible? Canadians aged 65+ who have lived in Canada for 10+ years after age 18 (or 20+ years if living abroad).
How much?
- Ages 65–74: $727.67/month
- Age 75+: $800.44/month
Important: These amounts adjust quarterly with inflation, so expect increases later in 2025.

Guaranteed Income Supplement (GIS)

What is it? A tax-free monthly top-up for low-income OAS recipients.
Monthly Maximums:
- Single/Widowed/Divorced: up to $1,065.47
- Married (both OAS): up to $641.35 each
- Married (one OAS): up to $1,065.47
Note: Your GIS is recalculated each year based on your tax return—lower income = more GIS.

Canada Pension Plan (CPP)

How it works: Based on how much and how long you contributed during work.
Average vs. Maximum (2025):
- Average: $760/month
- Maximum: $1,364.60, if you delay claiming until age 70
Claiming tips: You can start as early as age 60 or delay until 70 to maximize benefits.

Putting It All Together

When combined:

OAS: up to $800
GIS: up to $1,065
CPP: up to $1,364

This totals approximately $3,229/month, and in some cases—especially in small provinces or with extra credits—total monthly income can exceed $3,500. But again, these are monthly figures, not a one-time bonus.

June 2025 Payment Schedule

Month	OAS Deposit Date
April 2025	April 28
May 2025	May 29
June 2025	June 26

Tip: Sign up for direct deposit via My Service Canada Account to receive payments faster and with fewer delays.

Applying for OAS

Auto-enrolment: Many seniors are automatically eligible, but not all.
To apply manually:
1. Use your My Service Canada Account online
2. Or mail a paper form
3. Apply 6 months before your 65th birthday
If you do not receive a notification, don’t wait—apply to avoid missing the start of your benefits.

Beware of Scams

Unfortunately, scammers often prey on seniors by promising a $3,500 “bonanza” cheque. Watch out for:

Unsolicited emails or calls claiming you qualify for a “special” one-time payment
Requests for your SIN, banking information, or credit card details
Messages that contain urgent or threatening language, or are poorly written

If unsure, verify directly via Canada.ca or call Service Canada. Never click on suspect links or provide personal information to unknown contacts.

There is no $3,500 one-time OAS cheque, but eligible seniors can receive a combined monthly income nearing $3,500 through OAS, GIS, and CPP. Understanding how these programs work allows you to plan effectively and maximize your retirement income.

Stay alert, apply early, and always use official channels to confirm your benefits—your financial wellness depends on it.

FAQs

Is there a $3,500 one-time OAS payment?

No. This figure refers to what some seniors can receive monthly from combining OAS, GIS and CPP—not a single lump sum.

What can I do to receive the maximum $3,500/month?

Qualify for OAS, GIS, and CPP, delay CPP until age 70 (if possible), and ensure your annual income stays low enough for maximum GIS.

How do I protect myself from scams promising OAS bonuses?

Only trust Canada.ca or direct Service Canada communications. Never share SIN or bank info through unfamiliar emails or phone calls.