Seniors across Canada will see their Old Age Security (OAS) payments rise in 2025. With inflation adjustments and a continued 10% boost for those aged 75 and over, the OAS increase in 2025 means more monthly support for older Canadians. Here’s a comprehensive breakdown of the new payment amounts, dates, and who qualifies—based on the latest updates from Canada.ca.
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What is the OAS Program?
Old Age Security (OAS) is a monthly benefit provided by the federal government to eligible Canadians aged 65 and over. It’s designed to offer foundational retirement income and is adjusted quarterly to keep pace with inflation. Additional supplements, like the Guaranteed Income Supplement (GIS), may also apply depending on income level.
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Why is OAS Increasing in 2025?
OAS amounts are reviewed and adjusted every quarter—January, April, July, and October—based on the Consumer Price Index (CPI). These quarterly changes ensure that the purchasing power of seniors is maintained even as the cost of living rises.
In 2025, the benefit has increased by approximately 2.0%, reflecting national inflation rates. Additionally, seniors aged 75 and older continue to receive a 10% increase in their OAS pension, which was introduced in July 2022 to better support older seniors.
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New OAS Payment Amounts in July 2025
As of the July 2025 quarterly adjustment CPI indexed is 1.0%, the maximum monthly OAS pension amounts are expected to be:
| Age Group | Monthly OAS Amount (Max) |
|---|---|
| Age 65 to 74 | $734.95 |
| Age 75 and older | $808.44 |
These amounts are adjusted based on inflation rate and may vary slightly each quarter. The 10% increase for those 75 and older is automatically applied—no application is required.
Who Gets the 75+ 10% Increase?
All recipients who are 75 years or older as of June 2025 automatically qualify for the 10% top-up starting in July 2025 . No additional action or application is required to receive the increase.
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2025 OAS Payment Dates
OAS payments are issued monthly, typically during the last week of each month. Here is the 2025 payment schedule:
- January 29
- February 26
- March 27
- April 28
- May 28
- June 26
- July 29
- August 27
- September 25
- October 29
- November 26
- December 22
If you receive OAS by direct deposit, funds are usually available in your account on the payment date. If you receive payments by mail, delivery may take longer.
Income Thresholds and Clawback Rules
OAS is subject to recovery also known as the “OAS clawback” for higher-income seniors. If your net world income exceeds the threshold, part or all of your OAS payment may be recovered through the tax system.
For 2025:
- Ages 65 to 74: Full recovery begins at $151,668
- Ages 75 and over: Full recovery begins at $157,490
If your income exceeds these amounts, your monthly OAS may be reduced gradually until it reaches zero.
Who Qualifies for the OAS Increase?
You are eligible for the OAS increase if:
- You are 65 years of age or older
- You meet Canadian residency and legal status requirements
- You have lived in Canada for at least 10 years since the age of 18
- You are 75 or older (as of June 2025) to receive the additional 10% top-up starting with your July 2025 payment
No additional application is needed for the increased amounts—your eligibility and payment will be calculated automatically based on your age and residency history.
What You Should Do Now
To ensure you receive the correct OAS amount in 2025:
- Confirm your age category—especially if turning 75 before July 2025
- Update your direct deposit info via your My Service Canada Account
- Monitor your annual income to avoid unexpected clawbacks
- Track quarterly increases—January, April, July, and October—through official notices
Final Thoughts
The OAS increase in 2025 is part of Canada’s ongoing effort to protect seniors from rising living costs. With inflation-indexed boosts and a continued top-up for seniors aged 75 and over, eligible Canadians can count on more stable monthly income. The next major update arrives July 29, 2025, so make sure your information is up to date to receive the full benefit.
For personalized details about your OAS entitlements, visit your My Service Canada Account or contact Service Canada directly.