You may see claims of a flat $2,300 OAS plus $1,300 GIS in November. That’s not how these benefits work. Old Age Security (OAS) is a universal pension for seniors 65+, while the Guaranteed Income Supplement (GIS) is a separate, income-tested top-up for low-income OAS recipients.
Your actual monthly total depends on age, marital status, and income—not viral figures.
November 2025 payment date
The November 2025 deposit for OAS and GIS is scheduled for Wednesday, November 26, 2025. Most people using direct deposit see funds the same day; mailed cheques can take longer. Always keep your bank details up to date to avoid delays.
How much can you get (Oct–Dec 2025)?
Below are the realistic maximums for the October–December 2025 quarter. Your amount may be lower depending on income and family situation.
| Benefit (Oct–Dec 2025) | Who it’s for | Income threshold (reference) | Max monthly amount |
|---|---|---|---|
| OAS (age 65–74) | Seniors 65–74 | Below annual clawback limit | $740.09 |
| OAS (75+) | Seniors 75+ | Below annual clawback limit | $814.10 |
| GIS — single | Low-income seniors on OAS | ~Low annual income | $1,105.43 |
| GIS — spouse gets full OAS | Couple on OAS | ~Low combined income | $665.41 |
| GIS — spouse gets Allowance | Couple where spouse on Allowance | ~Low combined income | $665.41 |
| GIS — spouse not on OAS/Allowance | One spouse not on OAS | ~Low combined income | $1,105.43 |
Tip: The highest monthly total a single senior could see this quarter is typically OAS + GIS ≈ $1,845–$1,919, depending on age (65–74 vs 75+). That’s far below the rumored “$3,600+”.
Who qualifies (at a glance)
- OAS: Age 65+, meet residency rules, and remain below the recovery tax (clawback) threshold. Amount can vary with how long you’ve lived in Canada after age 18.
- GIS: You must already be receiving OAS and have low income (assessed individually for singles and combined for couples). GIS is income-tested and can change when your income changes.
How to estimate your November 2025 total
- Identify your OAS band: $740.09 (age 65–74) or $814.10 (age 75+).
- Check your GIS tier (single or couple, spouse’s status).
- Add OAS + GIS for a ballpark monthly figure.
- If your income rises, expect GIS to adjust at renewal; report life or income changes quickly to avoid over/underpayments.
Smart prep for November’s payment
- Direct deposit: Link a valid bank account to get funds on Nov 26, 2025 without mail delays.
- My Service Canada Account: Review your profile, marital status, and any income updates so your GIS remains accurate.
- Budgeting: Plan essential bills (rent, utilities, groceries, medications) around the Nov 26 date; keep a small buffer for holiday-season expenses in December.
For November 2025, focus on the real details: pay date November 26, OAS maximums of $740.09 (65–74) or $814.10 (75+), and GIS up to roughly $1,105.43 for singles—less for most couples depending on income and spouse status. Ignore viral “$2,300 + $1,300” promises.
The safest way to plan is to add your OAS band to the GIS tier that matches your situation, keep direct deposit active, and report income changes quickly so your benefits arrive on time and at the right amount.
FAQs
Will I really get $2,300 in OAS alone?
No. The OAS maximum this quarter is $740.09 (ages 65–74) or $814.10 (age 75+). The larger figures online usually mix OAS + GIS and exaggerate totals.
How high can GIS go for a single senior in late 2025?
The approximate single maximum for GIS this quarter is $1,105.43—but you’ll only receive that if your income is very low.
What happens if my income changes mid-year?
GIS is income-tested. If your income rises or falls, your GIS may change at your next assessment. Update your information promptly to keep payments accurate.