The Old Age Security (OAS) program is a cornerstone of Canada’s support system for seniors. As of October 2025, OAS payments have been adjusted upward to reflect inflation, giving eligible seniors new maximums of $740.09 (ages 65–74) and $814.10 (ages 75 and over) per month.
These updates bring fresh eligibility guidelines, payment dates, and payout rules that all seniors should know.
In this article, you’ll find detailed breakdowns of OAS amounts, eligibility criteria, payment schedules, and practical tips for ensuring you receive the correct benefit.
Updated OAS Payment Amounts in October 2025
OAS benefits are indexed quarterly to the Consumer Price Index (CPI) to protect purchasing power against inflation. For the period October to December 2025, the new OAS maximum amounts are:
| Age Group | Maximum Monthly OAS (Oct–Dec 2025) |
|---|---|
| Ages 65 to 74 | $740.09 |
| Age 75 and over | $814.10 |
These are the maximums, meaning your actual OAS payment may be lower depending on your income and other factors. Partial pensions may apply if you have fewer than 40 years of Canadian residence after age 18.
Eligibility Rules & Income Testing For OAS $740.09 To $814.10 Payment
1. Basic Eligibility
To qualify for OAS in Canada, you must:
- Be 65 years or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after turning 18 (for partial pension)
- For full pension, require 40 years of residence after age 18 (or other qualifying periods)
If you don’t meet full residency, a partial pension is possible based on your years of residence.
2. Income Thresholds & OAS Recovery Tax
Your net annual world income can affect how much of the OAS you receive:
- For ages 65–74, if your net income in 2024 exceeds $148,451, you may have to repay part or all of your OAS (the OAS clawback).
- For ages 75+, the threshold is $154,196.
High-income seniors above these thresholds are subject to recovery tax, reducing or eliminating their OAS benefit.
Payment Dates for 2025- (OAS $740.09 To $814.10 )
OAS payments are typically issued on the third-last business day of each month. Here are the 2025 schedule dates:
| Month | OAS Payment Date |
|---|---|
| January | January 29 |
| February | February 26 |
| March | March 27 |
| April | April 28 |
| May | May 28 |
| June | June 26 |
| July | July 29 |
| August | August 27 |
| September | September 25 |
| October | October 29, 2025 |
| November | November 26 |
| December | December 22 |
The October 29, 2025 date is the scheduled deposit for OAS and companion benefits (such as GIS or Allowance) for that month.
How Much Could You Get -OAS $740.09 To $814.10 Payment
Your actual OAS benefit will depend on:
- Your age group (65–74 vs 75+)
- Residency history (full pension vs partial)
- Your net world income – above thresholds triggers clawback
- Any deferred start – you can delay OAS (up to 5 years) to increase payments
For example, the $734.95 and $808.45 figures sometimes cited in older articles are now outdated — the current maximums are $740.09 and $814.10 thanks to inflation adjustments.
If your income is high, part or all of your OAS might be clawed back, reducing your net benefit significantly.
How to Apply & Confirm Your OAS $740.09 To $814.10 Payment
- Many seniors are auto-enrolled if they’ve met residency requirements and turned 65.
- If you are not automatically enrolled, you may apply through Service Canada or via your My Service Canada Account.
- To confirm payments, log into your My Service Canada Account or check your bank statements for OAS deposits on the scheduled date.
No reapplication is needed for the increase — if you already receive OAS, the new amounts are automatically applied.
The October 2025 update to Canada’s OAS program means new maximums of $740.09 for those aged 65–74 and $814.10 for age 75 and over. These figures reflect the newest inflation adjustment (CPI indexing) and ensure that seniors can preserve purchasing power amid rising living costs.
Eligibility depends on your residency history and income level; high net income can lead to OAS recovery tax that reduces or eliminates your payment.
Payments are scheduled monthly on the third-last business day, with October 29, 2025 being the OAS deposit date for that month.
For Canadian seniors, staying informed about OAS amounts, eligibility rules, and payment dates is essential to planning your retirement finances.
FAQs
Can my OAS be reduced because of my income?
Yes. If your net world income exceeds the specified thresholds ($148,451 for ages 65–74, $154,196 for 75+), you’ll face a recovery tax (clawback), which reduces your benefit.
Why do OAS amounts differ for people aged 75+?
Seniors age 75 and over receive a boost in the OAS maximum, reflecting increased cost pressures in older age brackets.
Will I miss out on the new OAS if I already receive it?
No. The updated payment amounts are automatically applied for current OAS recipients. You don’t need to reapply.
