In August 2025, Canada continues adjusting Old Age Security (OAS) benefits to keep pace with inflation, as part of its quarterly updates. Here’s everything Canadians need to know—updated rates, eligibility, clawback thresholds, payment dates, and more.
OAS Monthly Rates for August 2025
The maximum OAS payment for July through September 2025 stands at:
- Ages 65–74: $734.95/month (if annual net world income < $148,541)
- Ages 75 and older: $808.45/month (if annual net world income < $154,196)
These amounts reflect a 1.0% increase from the previous quarter, following cost-of-living adjustments over the past year totaling 2.3%.
Key Eligibility Criteria for OAS
To qualify for OAS:
- Must be at least 65 years old
- Must be a Canadian citizen or legal resident upon application approval
- Must have lived in Canada for at least 10 years since age 18 (or 20 years if currently living abroad)
OAS Recovery Tax (Clawback)
High-income seniors may see OAS reduced via the recovery tax:
- 65–74 age group: clawback applies if annual net income > $148,541
- 75+ age group: clawback begins at > $154,196
Remaining OAS Payment Dates in 2025
Payment schedule for the rest of the year:
| Month | Payment Date |
|---|---|
| August | August 27, 2025 |
| September | September 25, 2025 |
| October | October 29, 2025 |
| November | November 26, 2025 |
| December | December 22, 2025 |
Payments are typically issued in the last week of each month. Seniors are encouraged to enroll in direct deposit for faster access .
Additional Income Support (GIS, Allowance & Survivor Benefits)
Low-income seniors may receive extra support through:
- Guaranteed Income Supplement (GIS): for OAS recipients with low income; non-taxable
- Allowance: for those aged 60–64 whose spouse receives GIS
- Allowance for the Survivor: for widowed individuals aged 60–64
These supplemental amounts are income- and household-dependent.
OAS at a Glance: Quick Reference Table
| Aspect | Details |
|---|---|
| Monthly OAS (65–74) | $734.95 (annual income < $148,541) |
| Monthly OAS (75+) | $808.45 (annual income < $154,196) |
| Quarterly Adjustment | 1.0% increase (July–Sept 2025), cumulative 2.3% over past year |
| Eligibility | ≥ 65 years, Canadian citizen/resident, 10 years of residency since age 18 |
| Clawback Thresholds | Do not exceed $148,541 (65–74) / $154,196 (75+) |
| Payment Dates | Aug 27, Sep 25, Oct 29, Nov 26, Dec 22, 2025 |
| Additional Benefits | GIS, Allowance, Survivor Allowance (depending on income/marital status |
Canada’s August 2025 OAS update reaffirms its commitment to helping seniors manage rising living costs through regular, inflation-adjusted pension increases. While the headline amount rounds near $800, the actual rates stand at $734.95 for ages 65–74 and $808.45 for ages 75+, dependent on income levels.
Understanding eligibility, clawback rules, and payment timelines helps seniors maximize their benefits and avoid surprises.
Always stay enrolled in direct deposit and review your status via the My Service Canada Account to ensure seamless access to your entitled support.