In 2025, for eligible Canadian seniors, combining the Canada Pension Plan (CPP), Old Age Security (OAS), and Guaranteed Income Supplement (GIS) can yield up to $3,300+ per month.
These three federal programs, each with its own eligibility and payment structure, together create a powerful income safety net—especially in times of rising living costs.
How the Programs Work Together
Each program serves a different purpose:
- CPP is contributory—your retirement income depends on how long and how much you’ve contributed.
- OAS is residency‑based, available to seniors aged 65+, with higher payouts if delayed or if you are 75+.
- GIS is an income‑tested top‑up for low‑income OAS recipients; it’s non‑taxable and increases support for those most in need.
2025 Maximum Monthly Benefits Table
| Program | Max Monthly Amount | Eligibility Criteria |
|---|---|---|
| CPP | $1,433 | Maximum contributions and age 65 start |
| OAS (65-74) | $735 (approx.) | 40 years residency; adjusted for age 65–74 |
| OAS (75+) | $808 (approx.) | Same residency + age 75+ enhancement |
| GIS (single) | $1,098 | Income below thresholds; non-taxable |
| Combined Total | $3,266 (65–74), $3,339 (75+) | If all three are maximized and income is low |
Note: These figures represent the theoretical maximum. In real-world scenarios, especially with higher CPP or other income, the GIS portion often decreases significantly.
Why Some Seniors May Reach $3,300+ Monthly
To hit this ceiling:
- Maximize CPP contributions across your career.
- Fulfill the full 40 years of Canadian residency to claim full OAS.
- Keep other income minimal to maintain eligibility for full GIS.
- Consider delaying OAS or CPP to boost monthly payments—though this may affect GIS calculations.
Important Considerations
- GIS is income-tested: The more income you report (e.g., from CPP or RRSPs), the lower your monthly GIS benefit will be
- OAS increases if delayed or aged 75+, but delaying may cost you GIS eligibility during the deferral period.
- CPP increases when delayed: Starting beyond age 65 can yield up to 42% more by age 70 .
FAQs
Is it realistic to receive $3,300 monthly from CPP, OAS, and GIS?
It’s a theoretical maximum for seniors who have maximum CPP contributions, full OAS residency, and very low other income enabling full GIS.
Is the GIS payment taxable?
No—the Guaranteed Income Supplement is non-taxable.
How does delaying CPP or OAS affect my totals?
Delaying CPP up to age 70 can increase it by up to 42%; delaying OAS, especially past age 75, also increases that amount—but could reduce or pause GIS
