As Canada continues to prioritize financial support for its aging population, the Old Age Security (OAS) October 2025 payment schedule has officially been released. This monthly payment serves as a crucial source of income for seniors aged 65 and older, helping them manage day-to-day expenses amid rising inflation. For October 2025, the Canada OAS payment date, updated benefit amounts, and new income thresholds have all been confirmed.
Whether you’re already receiving OAS or approaching eligibility, it’s important to stay informed about the payment dates, how much you’ll receive, and who qualifies—especially with new adjustments now in place. Here’s everything you need to know.
What Is Old Age Security (OAS)?
Old Age Security (OAS) is a monthly pension funded by the Government of Canada, not based on employment history but on age and residency. It ensures that eligible seniors receive consistent financial support throughout their retirement years.
To be eligible for OAS in October 2025, you must:
- Be 65 years or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years since age 18
If you reside outside Canada, you may still qualify if you’ve lived in Canada for at least 20 years, or under a social security agreement with another country.
OAS October 2025 Payment Date and Amounts
The official OAS payment date for October 2025 is Wednesday, October 29, 2025. Payments are usually made on the third-last business day of each month and are automatically deposited if you’re enrolled in direct deposit.
Below is the breakdown of October 2025 OAS amounts:
OAS Payment– October 2025
| Benefit Type | Age Group | Monthly Amount (CAD) | Payment Date |
|---|---|---|---|
| OAS Pension | 65 to 74 years | $734.95 | October 29, 2025 |
| OAS Pension (10% increase) | 75+ years | $808.45 | October 29, 2025 |
| Guaranteed Income Supplement (GIS) | Based on income | Up to $1,097.75 | October 29, 2025 |
These amounts are adjusted quarterly to match changes in the Consumer Price Index (CPI), helping seniors keep up with inflation.
OAS Eligibility and Income Thresholds in 2025
Your eligibility to receive or continue receiving full OAS payments depends on your income level. For the 2025 tax year, new income thresholds have been established.
Here’s what you need to know:
Income Thresholds and Clawback Limits
| Component | 2025 Threshold |
|---|---|
| OAS Clawback Begins | $90,997/year |
| OAS Fully Clawed Back (65–74) | ~$151,959/year |
| GIS Eligibility (Single) | Below $22,272/year |
| GIS Eligibility (Couple) | Below $29,424/year |
If your annual income exceeds $90,997, your OAS benefits are subject to a 15% clawback. This deduction increases with income and may eliminate OAS payments entirely for higher earners.
Avoiding Payment Delays or Errors
Although most seniors receive their payments on time, delays can happen due to:
- Banking changes or outdated account details
- Administrative updates at Service Canada
- Technical banking issues
To prevent these issues:
- Enroll in direct deposit
- Keep your My Service Canada Account updated
- Contact Service Canada promptly if payment is delayed by more than 48 hours
Top Tips for Managing Your OAS in 2025
To make the most of your OAS benefits:
- Apply 6 months before your 65th birthday if you’re nearing eligibility
- Monitor your income annually to avoid clawbacks
- Utilize spousal GIS strategies if only one spouse has a lower income
- Stick to CPI updates to track payment changes
The OAS October 2025 payment schedule gives Canadian seniors peace of mind with predictable dates, updated benefit amounts, and revised eligibility thresholds.
Whether you’re receiving OAS or planning for retirement, staying informed is essential to managing your financial future effectively.
With monthly amounts increasing to reflect inflation and income thresholds updated to protect lower-income seniors, the OAS program remains a vital support system.
Check your Service Canada account, plan your income wisely, and use these benefits to strengthen your retirement stability in 2025 and beyond.
FAQs
When will I receive my October 2025 OAS payment?
Your payment will be deposited on October 29, 2025, assuming you’re enrolled and eligible.
How much will I receive in October 2025?
You’ll receive $734.95 if you’re between 65 and 74, or $808.45 if you’re 75 or older. Eligible seniors may also receive up to $1,097.75 through the GIS.
What if I live outside Canada—can I still get OAS?
Yes, as long as you’ve lived in Canada for at least 20 years after age 18 or qualify under a social security agreement.