If you’re already receiving Old Age Security (OAS) or plan to apply soon, there’s an important update you should know. The OAS payment date for October 2025 has been officially confirmed, and the monthly amounts have been adjusted to reflect inflation. As one of Canada’s foundational retirement programs, OAS delivers steady support to individuals aged 65 and older.
This guide covers everything you need to know: eligibility, payment amounts, income limits, and steps to avoid delays.
What is the Old Age Security Program?
Old Age Security (OAS) is a federal pension program funded by the Government of Canada. Unlike the Canada Pension Plan (CPP), which depends on your contributions during employment, OAS eligibility is determined by:
- Age
- Residency history
- Citizenship or legal status
Key Criteria for OAS in October 2025
To qualify for OAS this October:
- You must be 65 years of age or older
- Be a Canadian citizen or legal resident
- Have resided in Canada for at least 10 years after age 18
Even Canadians living outside the country may qualify—if they have lived in Canada for at least 20 years after turning 18 or meet requirements under a social security agreement with another country.
OAS October 2025 Payment Details
OAS payments are typically made on the third-last business day of the month. For October 2025, that date is confirmed as Wednesday, October 29, 2025.
Breakdown of Monthly Benefits
| Benefit Type | Age Group | Monthly Amount (CAD) | Payment Date |
|---|---|---|---|
| OAS Pension | 65–74 years | $734.95 | October 29, 2025 |
| OAS 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 |
All OAS-related amounts are reviewed quarterly and are adjusted in line with the Consumer Price Index (CPI) to reflect inflation.
Income Thresholds and Clawbacks
Your annual net income directly affects your OAS eligibility. Higher-income seniors may face reductions—known as clawbacks—where a portion of your benefit is withheld.
2025 OAS Income Limits
| Component | 2025 Income Threshold |
|---|---|
| OAS Clawback Begins | $90,997/year |
| OAS Fully Clawed Back | ~$151,959/year (65–74) |
| GIS Eligibility (Single) | Under $22,272/year |
| GIS Eligibility (Couple) | Under $29,424/year |
The clawback rate is 15%, which means for every $1 earned over $90,997, you lose 15 cents of your OAS payment. Carefully managing retirement income is essential to avoid unnecessary reductions.
Preventing Delays in OAS Payments
While most OAS payments are issued on time—especially for those enrolled in direct deposit—delays can still happen. The most common reasons include:
- Outdated banking details
- Incorrect personal information
- Processing lags at Service Canada
Tips to Prevent Late Payments
- Keep your My Service Canada Account current
- Ensure you’re signed up for direct deposit
- If your payment is more than 48 hours late, contact Service Canada immediately
Expert Tips for Maximizing Your OAS
Here are a few strategic tips to ensure you’re making the most of your OAS benefits:
- Apply at least 6 months before your 65th birthday
- Monitor your net annual income to avoid clawbacks
- For couples, consider spousal GIS planning
- Stay updated on CPI changes to anticipate any payment adjustments
OAS remains a cornerstone of Canada’s retirement system—thanks to its inflation-indexed payments, predictable schedule, and support for low-income seniors via GIS.
The October 2025 OAS payment represents more than just a monthly benefit—it’s a symbol of financial stability for millions of seniors across Canada. With inflation-adjusted increases and income-based eligibility, staying informed ensures you’ll receive the full support you’re entitled to.
By understanding when payments arrive, how much you qualify for, and how to avoid income-based reductions, you can make more strategic retirement decisions. Whether you’re applying soon or already receiving benefits, keep your details updated and monitor your income to secure your full entitlements.
FAQs
When is the OAS payment scheduled for October 2025?
The official payment date is Wednesday, October 29, 2025.
What is the income limit before OAS clawbacks begin?
Clawbacks start when your annual net income exceeds $90,997 in 2025.
Can I receive OAS if I live outside Canada?
Yes, if you’ve lived in Canada for 20 years or more after age 18 or meet a social security agreement condition.