$1,700 OAS + $650 Extra Help: CRA Confirms Double Payments – Check Your Eligibility!

The Canada Revenue Agency (CRA) has recently confirmed that eligible seniors and low-income individuals may receive double payments—up to $1,700 from Old Age Security (OAS) and an additional $650 in extra financial assistance. If you’re wondering whether you qualify for these payments and how to claim them, you’ve come to the right place.

In this guide, we will break down everything you need to know about the $1,700 OAS + $650 Extra Help, explain eligibility criteria, and show you how to maximize your benefits. We’ll also highlight key facts, official sources, and practical examples to make the process crystal clear.

$1700 OAS + $650 Extra Help: Key Summary

The $1,700 OAS + $650 Extra Help payments offer vital financial support to Canadian seniors and low-income individuals. Whether you’re a retiree, a social worker, or a financial planner, understanding the eligibility criteria and payment structure can help you or those you serve make the most of these benefits.

Make sure to verify your eligibility, stay informed about payment dates, and check your Service Canada account regularly to avoid missing out.

What Is the $1,700 OAS Payment?

The Old Age Security (OAS) pension is one of Canada’s key public retirement income programs. Managed by the CRA, it provides a monthly payment to seniors aged 65 and older who meet certain residency and income requirements.

As of 2025, eligible recipients can receive up to $1,700 per month, depending on:

• Age (those aged 75+ receive a slightly higher amount)
• Years of Canadian residency
• Annual net income

Example:
John, aged 70, who has lived in Canada for 40 years and earns below the income threshold, qualifies for the maximum OAS payment of approximately $1,700 per month.

How Is OAS Calculated?

Here’s a simplified breakdown:

• Base OAS Payment (2025): Around $713 to $784/month based on age.
• Guaranteed Income Supplement (GIS): An additional $600+ per month for low-income seniors.
• Additional top-ups: Available for seniors over 75 or with specific needs.

Payments are adjusted quarterly based on the Consumer Price Index (CPI) to reflect inflation.

What Is the $650 Extra Help Payment?

In response to rising living costs and inflation, the Canadian government introduced various additional support payments. This includes a one-time or periodic payment of up to $650 for:

• Low-income seniors
• GIS recipients
• Individuals facing financial hardship due to inflation

Who Is Eligible for the $650 Extra Help?

To qualify, you typically need to meet one or more of the following conditions:

1. Be a recipient of GIS or Allowance payments.
2. Have a net income below a certain threshold (under $21,456 for individuals, approx.).
3. Be eligible for other provincial or federal income-tested benefits.

Example:
Mary, a 68-year-old GIS recipient with no other income sources, automatically qualifies for the $650 extra help payment.

Step-by-Step Guide: How to Check Your Eligibility

Step 1: Confirm Age and Residency

• You must be 65 years or older.
• Have lived in Canada for at least 10 years after age 18 (20+ years for full OAS).

Step 2: Verify Income

• OAS eligibility is income-tested. For 2025, if your net annual income exceeds $90,997, you may face a clawback (OAS recovery tax).
• For GIS and extra help payments, income thresholds are even lower (under $21,456 for individuals).

Step 3: Check GIS or Allowance Status

• If you already receive Guaranteed Income Supplement (GIS), you may automatically qualify for extra payments.

Step 4: Application Process

• OAS Application:
  You may be automatically enrolled when you turn 65. Otherwise, apply online via the My Service Canada Account.
• Extra Help Payment:
  Usually no application is needed if you qualify through GIS. However, it’s best to confirm your status via the CRA or provincial portals.

Important Dates: When Will You Receive Payments?

What If You Haven’t Received Your Payment?

If you’re eligible but haven’t received the payments:

1. Check your My Service Canada Account to confirm enrollment and payment status.
2. Update banking information to avoid delays.
3. Contact CRA or Service Canada for further support.

How Does This Affect You Professionally?

For financial advisors, social service workers, or retirement planners, understanding these payments is crucial:

• Advising clients on maximizing benefits.
• Helping seniors plan retirement income streams.
• Assisting low-income individuals in applying for GIS and extra support programs.

Employers may also want to inform older employees about OAS eligibility as they near retirement.

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Frequently Asked Questions (FAQs)

1. Can I receive both OAS and GIS payments together?

Yes, eligible seniors can receive both. GIS is an additional supplement for low-income OAS recipients.

2. Do I need to apply separately for the $650 extra help payment?

In most cases, if you qualify for GIS, the extra help is automatically applied. It’s advisable to check your CRA account or contact Service Canada for confirmation.

3. Will OAS payments affect my tax returns?

Yes. OAS payments are considered taxable income and must be reported when filing taxes. High-income seniors may face an OAS clawback.

4. Are these payments permanent?

The OAS payment is permanent, adjusted quarterly. The $650 extra help payment may be periodic, depending on government decisions and inflation measures.

5. How can I apply for OAS?

You can apply online via your My Service Canada Account, by mail, or in person. For details, visit the official OAS Application Guide.