As part of Canada’s continued commitment to supporting senior citizens, the Old Age Security (OAS) October 2025 Payment Schedule has now been officially confirmed. With predictable deposit dates, adjusted payment amounts, and updated income thresholds, this monthly benefit remains a core source of retirement income for millions of Canadians aged 65 and older.
Whether you’re already receiving OAS or approaching eligibility, this guide breaks down everything you need to know for October 2025—including payment amounts, eligibility requirements, what to do if delays occur, and how income levels can affect your benefit.
What Is Old Age Security (OAS)?
Old Age Security (OAS) is one of Canada’s primary federal pension programs, offering monthly financial support to Canadians aged 65 or older. Unlike the Canada Pension Plan (CPP), OAS is not tied to work history and is instead funded through general government revenues.
The purpose of OAS is to provide a foundational income for retired seniors, helping them manage essential living costs such as rent, groceries, and healthcare. For many low- and moderate-income seniors, OAS is often supplemented with the Guaranteed Income Supplement (GIS).
Who Qualifies for the October 2025 OAS Payment?
To receive a payment under the Old Age Security October 2025 Payment Schedule, you must meet the following basic criteria:
- Be 65 years of age or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years since the age of 18
Seniors living outside Canada may also qualify if they meet international social security agreement requirements or have sufficient residency history within Canada.
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OAS Payment Amount and Deposit Date – October 2025
For October 2025, OAS payment amounts are adjusted to reflect recent Consumer Price Index (CPI) changes, ensuring that seniors’ purchasing power is protected amid inflation.
Here’s a detailed breakdown of what recipients can expect:
| Benefit Type | Age Group | Monthly Amount (Oct 2025) | Payment Date |
|---|---|---|---|
| Basic OAS Pension | 65 to 74 years | $713.34 CAD | October 29, 2025 |
| Basic OAS 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 deposit will be made on Wednesday, October 29, 2025, which is the third-last business day of the month—the standard timing for all OAS deposits.
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Why the OAS Amount Varies by Age
Seniors aged 75 and older receive a higher monthly OAS payment due to the 2022 government enhancement aimed at supporting longevity and increased costs associated with aging. This bonus continues to apply in October 2025, resulting in a $71.33 monthly difference between age brackets.
This structure is part of a broader federal policy designed to help older seniors maintain financial independence longer into retirement.
What Is the Guaranteed Income Supplement (GIS)?
For seniors with little to no other income, the Guaranteed Income Supplement (GIS) is available as a monthly top-up to the OAS pension. Eligibility and the amount received depend entirely on your reported income.
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In October 2025, single seniors may receive up to $1,065.47 through GIS, in addition to their base OAS pension.
To qualify, your annual income (excluding OAS) must remain below the GIS income threshold, currently set at $21,624 for singles in 2025.
OAS Income Thresholds and Clawback Rules for 2025
The OAS Recovery Tax—commonly known as the clawback—is triggered when a senior’s net annual income exceeds a certain threshold.
For the 2025 tax year, the OAS clawback starts at $90,997. Here’s how it affects benefits:
| Component | 2025 Threshold |
|---|---|
| OAS Recovery Tax Clawback Start | $90,997 |
| GIS Maximum Eligibility (Single) | Income under $21,624 |
| Full OAS Eligibility (40+ years in Canada) | Yes |
Once you cross the clawback threshold, your OAS benefit is reduced gradually and may eventually be eliminated depending on how far above the threshold your income is.
What to Do If There’s a Payment Delay
While most payments are processed on time, delays can occur due to:
- Banking issues
- Federal holidays
- Outdated account information
If your October OAS payment hasn’t arrived by November 1, take these steps:
- Log into your My Service Canada Account (MSCA) to verify payment status
- Contact the OAS toll-free helpline for assistance
- Visit a local Service Canada Centre if needed for in-person verification
Switching to direct deposit is the most secure and reliable way to ensure timely payments each month.
How to Check or Update Your OAS Details
To avoid any disruptions in future OAS payments, seniors should regularly review their account details:
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- My Service Canada Account (MSCA): View payment schedules, amounts, and personal information
- Direct Deposit: Ensure your banking information is current
- Address and Marital Status: Update changes that may affect eligibility or benefit amounts
This is especially important if you’ve recently moved, changed banks, or transitioned to 75+ OAS rates.
OAS and Retirement Planning: What Seniors Should Know
The Old Age Security program is just one part of a broader retirement support system that includes:
- Canada Pension Plan (CPP)
- Guaranteed Income Supplement (GIS)
- Provincial benefits (e.g., income supplements, tax credits)
- Private savings (RRSPs, pensions)
Understanding how OAS fits into your financial plan is essential. It’s non-contributory, meaning you don’t have to pay into it during your working life—but you must meet residency and age requirements to qualify.
