Canada OAS October 2025 Payment: If you are 65 years or older and living in Canada, the Old Age Security (OAS) program is one of the most important supports for your retirement.
Every month, seniors receive a steady pension that helps them cover living costs. For October 2025, the official Canada OAS October payment date has been confirmed, and benefit amounts have been updated to match inflation.
This article explains the eligibility criteria, income limits, payment amounts, and important tips to make sure you don’t miss out on your benefits.
What is the Old Age Security (OAS) Program?
The Old Age Security program is a federal pension plan run by the Government of Canada. Unlike the Canada Pension Plan (CPP), which is based on your contributions while working, OAS is based on your age, residency, and legal status.
You may qualify if:
- You are 65 years or older
- You are a Canadian citizen or legal resident
- You have lived in Canada for at least 10 years after age 18
Even if you live outside Canada, you may still qualify if you have lived in Canada for at least 20 years after age 18, or if your country has a social security agreement with Canada.
OAS Payment Date in October 2025
OAS benefits are usually paid on the third-last business day of each month. For October 2025, payments will be issued on:
Wednesday, October 29, 2025
OAS October 2025 Payment Breakdown
Here’s how much seniors will receive in October:
| Benefit Type | Age Group | Monthly Amount (CAD) | Payment Date |
|---|---|---|---|
| OAS Pension | 65–74 years | $734.95 | October 29, 2025 |
| OAS Pension (with 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 reviewed quarterly and adjusted according to the Consumer Price Index (CPI) to match inflation.
Income Thresholds and Clawbacks
Your annual income affects how much OAS you can receive. If you earn above a certain limit, part of your OAS may be reduced, also called a clawback.
OAS Income Limits 2025
| Component | 2025 Income Threshold |
|---|---|
| OAS Clawback Begins | $90,997/year |
| OAS Fully Clawed Back (65–74) | ~$151,959/year |
| GIS Eligibility (Single) | Under $22,272/year |
| GIS Eligibility (Couple) | Under $29,424/year |
The clawback rate is 15%, meaning that for every dollar you earn above $90,997, you lose 15 cents of your OAS.
How to Avoid Delays in OAS Payments
Even though most OAS payments are made on time, delays can happen. The main reasons include:
- Outdated bank account details
- Incorrect personal information
- Processing delays at Service Canada
Tips to prevent delays:
- Keep your My Service Canada Account updated
- Sign up for direct deposit
- Contact Service Canada if your payment is delayed by more than 48 hours
Expert Tips to Maximize OAS
Here are some smart ways to make the most of your OAS benefits:
- Apply early: Submit your application at least 6 months before turning 65.
- Monitor income: Stay under the income limit to avoid clawbacks.
- Plan as a couple: Look into spousal GIS benefits for extra support.
- Track inflation: Watch CPI updates to know when your benefits will rise.
The October 2025 OAS payment is more than just financial help—it is a reliable source of income for millions of Canadian seniors. With payments adjusted to inflation and clear eligibility rules, OAS ensures that retirees can manage rising living costs with confidence.
By staying informed about payment dates, income limits, and clawbacks, seniors can secure their full benefits and enjoy greater financial stability in retirement.
FAQs
The payment date is Wednesday, October 29, 2025.
They will receive $808.45 per month, which includes a 10% increase.
Check your bank details, confirm your My Service Canada Account is updated, and contact Service Canada if it’s more than 48 hours late.