If you’re receiving Old Age Security (OAS) or planning to apply soon, the latest update is in: the OAS payment date for October 2025 is confirmed, and benefit amounts have been adjusted to match inflation. This monthly pension is one of the most important support programs for Canadian seniors, offering consistent income for those 65 and older.
Here’s what you need to know about how much you’ll receive, who qualifies, and how to avoid delays this October.
Table of Contents
Overview
The Old Age Security program is a government-funded pension for seniors. Unlike the Canada Pension Plan (CPP), OAS does not depend on your work history. Instead, it’s based on age, residency, and citizenship status.
To qualify 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 after turning 18
If you’re living abroad, you’re still eligible if you lived in Canada for 20 years or more, or if you qualify under an international social security agreement.
Payments
OAS payments are usually issued on the third-last business day of the month. For October 2025, the payment date falls on Wednesday, October 29, 2025.
Here’s what you can expect to receive:
| Benefit Type | Age Group | Monthly Amount (CAD) | Payment Date |
|---|---|---|---|
| OAS Pension | 65–74 years | $734.95 | October 29, 2025 |
| OAS Pension (with 10% boost) | 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 every quarter based on Consumer Price Index (CPI) changes. That means your payment could go up slightly each year depending on inflation.
Income
Your eligibility for full OAS benefits depends on your annual net income. If your income exceeds a certain amount, your payments may be clawed back — meaning you’ll get less or possibly nothing at all.
Here’s the latest income breakdown:
| Component | 2025 Threshold |
|---|---|
| OAS Clawback Begins | $90,997/year |
| OAS Fully Clawed Back | ~$151,959/year (ages 65–74) |
| GIS Eligibility (Single) | Below $22,272/year |
| GIS Eligibility (Couple) | Below $29,424/year |
The clawback rate is 15%. So, for every dollar you earn above $90,997, you lose 15 cents from your OAS payment. Planning your retirement income carefully can help you avoid these deductions.
Delays
Most payments arrive on time, especially if you’re signed up for direct deposit. But delays can happen due to:
- Changes in your bank account
- Errors in your personal information
- Administrative delays at Service Canada
To avoid payment problems:
- Keep your My Service Canada Account updated
- Enroll in direct deposit
- Notify Service Canada right away if your payment is late by more than 48 hours
Tips
Make the most of your OAS benefits by keeping these tips in mind:
- Apply early — at least six months before your 65th birthday
- Monitor your income to avoid clawbacks
- If you’re married, consider spousal GIS strategies if only one of you qualifies
- Check CPI updates regularly to anticipate benefit changes
With predictable payments, inflation-adjusted benefits, and clear income thresholds, OAS remains a key part of Canada’s retirement system. Use it wisely, stay informed, and you’ll have a better handle on your financial future.