Canada’s Old Age Security (OAS) continues to provide essential monthly income support to millions of eligible seniors aged 65 and over.
As the cost of living rises, this federal pension program, administered by Service Canada, is adjusted regularly to keep pace with inflation and evolving needs.
For October 2025, the OAS benefit amount and payment date have been officially confirmed. This article outlines who qualifies, how much seniors will receive, and what to do in case of delays.
What Is Old Age Security (OAS)?
The Old Age Security (OAS) is one of Canada’s foundational retirement income programs. Unlike the Canada Pension Plan (CPP), it does not require any employment or contribution history. Instead, it’s funded through general government revenues.
To qualify for OAS in October 2025, individuals must:
- Be 65 years or older
- Have Canadian citizenship or legal residency
- Have lived in Canada for at least 10 years since age 18
(or meet conditions under an international social security agreement)
Even seniors residing outside Canada may be eligible if they satisfy minimum residency requirements.
October 2025 OAS Payment Amounts and Deposit Date
The Old Age Security benefit amount is reviewed quarterly, with adjustments based on the Consumer Price Index (CPI) to preserve purchasing power. For October 2025, the payment date is set for the third-last business day of the month.
Here is the official OAS payment breakdown for October 2025:
| Benefit Type | Age Group | Monthly Amount (Oct 2025) | Payment Date |
|---|---|---|---|
| Basic Old Age Security Pension | 65 to 74 years | $713.34 CAD | October 29, 2025 |
| Basic Old Age Security Pension | 75 years and older | $784.67 CAD | October 29, 2025 |
| Guaranteed Income Supplement (GIS) | Based on income | Up to $1,065.47 CAD (single) | October 29, 2025 |
The increase for seniors over 75 reflects the 10% Old Age Security boost introduced in recent years.
OAS Eligibility and 2025 Income Thresholds
To maintain full Old Age Security benefits, seniors must remain under certain income thresholds. If their net annual income exceeds the designated limit, they may face partial repayment of benefits through the OAS Recovery Tax.
Here’s a snapshot of OAS income limits for 2025:
| Component | 2025 Threshold |
|---|---|
| OAS Recovery Tax Clawback Begins | $90,997 |
| Maximum GIS (Single) Eligibility | Annual income < $21,624 |
| Full Old Age Security Eligibility (after 40 years in Canada) | Yes |
If a senior earns above the recovery threshold, their Old Age Security benefits will begin to reduce at a rate of 15 cents per dollar over the limit, effective July of the following year.
What to Do if Your OAS Payment Is Delayed
Though rare, delays in Old Age Security payments may happen due to banking issues, statutory holidays, or administrative changes. If you don’t receive your deposit on time:
- Log into your My Service Canada Account (MSCA)
- Call the Old Age Security helpline for clarification
- Visit a nearby Service Canada Centre for support
To ensure timely payments, it is recommended that all recipients enroll in direct deposit.
The Old Age Security Payment Schedule for October 2025 reaffirms the Canadian government’s commitment to providing stable financial assistance to seniors across the country.
With payments scheduled for October 29, 2025, and updated benefit amounts reflecting age and income factors, eligible seniors should prepare accordingly.
By monitoring income levels, keeping their MSCA account up-to-date, and utilizing direct deposit, beneficiaries can avoid delays and maximize their retirement support.
FAQs
When will OAS payments be made in October 2025?
Old Age Security payments are scheduled for October 29, 2025, which is the third-last business day of the month.
How much will seniors receive in October 2025?
Seniors aged 65–74 will receive $713.34 CAD, while those 75 and older will receive $784.67 CAD. GIS may add up to $1,065.47 CAD depending on income.
What is the income limit before OAS benefits are reduced in 2025?
The Old Age Security recovery tax clawback begins at an annual net income of $90,997. Seniors earning above this may see reduced benefits starting in July 2026.