The Old Age Security (OAS) program remains one of Canada’s most important financial supports for seniors, providing monthly payments to help with living expenses. For October 2025, the government has confirmed payment dates, updated benefit amounts, and new income thresholds to ensure that seniors continue receiving fair support in the face of rising costs.
Whether you already receive OAS or are nearing eligibility, knowing the payment schedule and requirements can help you plan your finances with confidence.
Overview
OAS is a monthly pension funded by the Government of Canada, not tied to employment history but rather to age and residency. It is available to most Canadian seniors who meet the residency rules and is adjusted quarterly to reflect inflation.
Requirements
To qualify for OAS in October 2025, you must:
- Be at least 65 years old
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years since age 18
If you live outside Canada, you can still receive OAS if you’ve lived in Canada for at least 20 years or are covered under a social security agreement with another country.
Payments
The payment date for October 2025 is Wednesday, October 29, 2025. OAS is usually issued on the third-last business day of each month and sent automatically if you are enrolled in direct deposit.
| Benefit Type | Age Group | Monthly Amount (CAD) | Payment Date |
|---|---|---|---|
| OAS Pension | 65–74 | $734.95 | October 29, 2025 |
| OAS Pension (10% increase) | 75+ | $808.45 | October 29, 2025 |
| Guaranteed Income Supplement (GIS) | Based on income | Up to $1,097.75 | October 29, 2025 |
Income
Your OAS benefits may be reduced depending on your income. For 2025, the income thresholds are:
| 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 |
Once your income exceeds $90,997, a 15% clawback begins. Higher incomes may reduce OAS payments to zero.
Tips
To ensure your payments arrive on time and without issues:
- Use direct deposit for faster, safer payments
- Keep your My Service Canada Account updated with your banking details
- Contact Service Canada if a payment is delayed more than 48 hours
If you’re approaching age 65, apply at least six months before your birthday to avoid missing your first payment.
Planning
OAS continues to be a reliable source of retirement income, especially when combined with the Guaranteed Income Supplement for lower-income seniors. Tracking your income to avoid clawbacks and staying updated on CPI-linked increases can help you maximize your benefits.
The October 2025 OAS schedule gives seniors predictable support in a time of economic uncertainty. With inflation adjustments, revised income thresholds, and a set payment date, the program remains a cornerstone of Canada’s retirement system.
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FAQs
When is the OAS payment in October 2025?
October 29, 2025.
What is the OAS amount for 65–74 years?
$734.95 per month.
What income starts the clawback?
$90,997 per year.
Can you get OAS outside Canada?
Yes, with 20 years residency or under agreements.
Is OAS based on work history?
No, it is based on age and residency.
