Canadians receiving Old Age Security (OAS) can expect another boost in their monthly payments starting October 2025, thanks to the latest quarterly adjustment tied to inflation. The federal government reviews OAS amounts every three months to keep pace with the Consumer Price Index (CPI), ensuring that benefits maintain their purchasing power.
Below is a detailed breakdown of the new payment amounts, eligibility rules, and important dates for seniors planning their finances.
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New OAS Payment Amounts Effective October to December 2025
The Canada.ca updates confirm that OAS benefits will rise by 0.7% for the October–December 2025 quarter, reflecting an overall 1.7% increase over the past year.
Monthly OAS Pension – October 2025
| Age Group | Maximum Monthly Payment | 2024 Net World Income Limit |
|---|---|---|
| Ages 65–74 | $740 (approx.) | Less than $148,451 |
| Ages 75 and over | $814 (approx.) | Less than $154,196 |
Note: If you lived in Canada for at least 10 years after age 18 but less than 40 years, you may receive a partial OAS pension. The exact amount depends on your years of residence.
This adjustment follows the July–September 2025 increase of 1.0%, representing a total 2.3% rise over the past year.
Guaranteed Income Supplement (GIS) Amounts
The Guaranteed Income Supplement (GIS) provides extra financial help to low-income OAS pensioners. The maximum monthly GIS payments for October–December 2025 remain based on income and marital status:
- Single, widowed or divorced: Up to $1,097.75 if annual net income is less than $22,272.
- With a spouse/common-law partner who receives full OAS: Up to $660.78 if combined income is less than $29,424.
- With a spouse/common-law partner who does not receive OAS or Allowance: Up to $1,097.75 if combined income is less than $53,376.
Allowance and Allowance for the Survivor
Canadians aged 60 to 64 may qualify for:
- Allowance: Up to $1,395.73 if combined income with a spouse (who receives GIS and OAS) is less than $41,184.
- Allowance for the Survivor: Up to $1,663.81 if annual net income is less than $29,976.
Key Payment Dates for OAS and GIS in Late 2025
Service Canada typically issues OAS and GIS payments on the third-last banking day of each month. For the last quarter of 2025, seniors can expect payments on:
- September 25, 2025
- October 29, 2025
- November 27, 2025
- December 22, 2025
Payments are made either by direct deposit to your bank account or by cheque if you have not set up direct deposit.
Eligibility for OAS in 2025
To qualify for Old Age Security in Canada:
- You must be 65 or older.
- You must be a legal resident of Canada at the time your OAS application is approved.
- You must have lived in Canada for at least 10 years after turning 18 to receive a partial pension.
- To receive the full pension, you must have lived in Canada for at least 40 years after turning 18.
How OAS Increases Are Calculated
OAS payments are indexed to inflation, meaning they are adjusted every quarter based on the Consumer Price Index (CPI). This protects seniors’ purchasing power from the effects of rising prices.
- July–September 2025: Increase of 1.0%.
- October–December 2025: Increase of 0.7%.
This approach ensures that OAS recipients continue to receive payments that reflect the cost of living in Canada.
Why the October 2025 Increase Matters
With food, housing, and healthcare costs continuing to rise, the OAS increase—while modest—offers crucial financial relief for Canada’s seniors. For those over 75, the difference is even more significant because their maximum monthly payment is higher than for those aged 65–74.
How to Apply or Update Your OAS Information
If you are turning 65 soon, Service Canada may automatically enroll you in OAS. If you are not automatically enrolled, you need to apply online or by mail.
Seniors already receiving OAS should ensure their banking details and address are up to date to avoid delays in receiving the increased payments.
Bottom Line
Starting October 2025, OAS pensioners will see their payments rise to $740 per month for ages 65–74 and $814 per month for ages 75 and over. These changes, driven by inflation protection measures, will help seniors keep up with the cost of living while ensuring continued support through Canada’s public pension system.