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The Old Age Security (OAS) pension received a quarterly increase of 1.0% for the July–September 2025 period, raising the monthly maximum to $734.95 for ages 65–74 and $808.45 for those aged 75 and above.
These updated rates will be reflected in your October 29, 2025 pension.
What’s New in OAS Pension Rates
- Ages 65–74: New maximum monthly OAS is $734.95
- Ages 75+: Includes a legislated 10% senior top‑up, raising the maximum to $808.45
- The Guaranteed Income Supplement (GIS) and other support components are adjusted separately.
Why the Increase Was Made
The rise reflects the Consumer Price Index (CPI) change—Canada’s official measure of inflation. OAS rates are revised every quarter (January/April/July/October) and are never reduced during deflationary periods.
- CPI comparison shows a 2.3% year-over-year rise, contributing to the 1.0% quarterly bump.
- The 10% senior top-up for age 75+ has been in place since July 2022.
Eligibility for Increased OAS Payments
To qualify for these higher OAS rates, you must:
- Be 65 years or older by the next payment cycle
- Be a Canadian citizen or permanent resident
- Have satisfied residency requirements: at least 10 years after age 18 for partial eligibility, or 40 full years for maximum benefit
- For the $808.45 rate, you must be 75 years or older and meet income thresholds
- Not exceed income limits:
- Over $148,541 for ages 65–74 triggers OAS recovery (clawback)
- Over $154,196 for age 75+ triggers full elimination
OAS Payment Schedule 2025
| Month | Payment Date (OAS & GIS) |
|---|---|
| July | July 29, 2025 |
| August | August 27, 2025 |
| September | September 25, 2025 |
| October | October 29, 2025 |
The October payment will include the new, higher OAS rates.
Other Key OAS Benefit Components
- Guaranteed Income Supplement (GIS): Income-tested extra support for low-income seniors
- Allowance (ages 60–64): For spouses of OAS/GIS recipients
- Allowance for the Survivor: For widowed individuals aged 60–64
These components remain intact and are not affected by the rise in base OAS.
Ensuring Your Payment Arrives
To receive the updated rate:
- No action required if you already receive OAS—payments are automatic
- Ensure your direct deposit and mailing address are current
- If you don’t see funds by early November, contact Service Canada
Summary Table of New OAS Rates
| Age Group | New Monthly OAS | Income Clawback Threshold |
|---|---|---|
| 65–74 | $734.95 | Net income over $148,541 |
| 75 and older | $808.45 | Net income over $154,196 |
The OAS pension increase to $734.95 and $808.45 (for ages 65–74 and 75+, respectively) reflects Canada’s ongoing commitment to protect seniors from inflation.
With the October 29, 2025 payment date confirmed, eligible Canadians can look forward to a meaningful boost in retirement security.
Staying informed, especially regarding income clawbacks and eligibility rules, ensures you maximize your benefits as rates rise.
FAQs
Will I get the increased OAS amount automatically?
Yes. If you’re eligible and already enrolled in OAS, your October 29 payment will reflect the new rate without requiring any action.
What causes the OAS increase?
OAS is tied to inflation via quarterly adjustments to the Consumer Price Index, ensuring benefits keep pace with rising costs.
Does the OAS rate increase affect GIS or Allowance?
No. GIS, Allowance, and survivor benefits are separate income-tested payments and unaffected by this base rate increase.