Canadian seniors will see another rise in their Old Age Security (OAS) payments starting October 2025. This increase is part of the government’s regular review, which happens every three months.
The payments are adjusted according to the Consumer Price Index (CPI) so that seniors don’t lose purchasing power when the cost of living goes up.
Let’s look at the updated OAS amounts, Guaranteed Income Supplement (GIS) details, payment dates, and eligibility rules for 2025.
New Old Age Security Payment Amounts
From October to December 2025, OAS payments will increase by 0.7%, which adds to a total rise of 1.7% over the past year.
Here is a clear breakdown:
| Age Group | Maximum Monthly Payment | 2024 Net World Income Limit |
|---|---|---|
| 65–74 years | About $740 | Less than $148,451 |
| 75 years and older | About $814 | Less than $154,196 |
Note: If you lived in Canada for 10 years or more after age 18 but less than 40 years, you may only get a partial OAS pension. The amount depends on how long you lived in Canada.
Guaranteed Income Supplement (GIS)
The GIS is extra financial help for low-income Old Age Security pensioners. Here are the maximum payments for October–December 2025:
- Single, widowed, or divorced: Up to $1,097.75 if yearly income is less than $22,272.
- With spouse/partner who receives OAS: Up to $660.78 if combined income is less than $29,424.
- With spouse/partner who does not receive OAS/Allowance: Up to $1,097.75 if combined income is less than $53,376.
Allowance and Survivor Benefits
For people aged 60 to 64, the following support is available:
- Allowance: Up to $1,395.73 if combined income with spouse (who gets Old Age Security and GIS) is less than $41,184.
- Allowance for the Survivor: Up to $1,663.81 if yearly income is less than $29,976.
Payment Dates for Late 2025
The government usually sends payments on the third-last banking day of the month. Seniors can expect their deposits on:
- September 25, 2025
- October 29, 2025
- November 27, 2025
- December 22, 2025
Payments are made through direct deposit or cheque.
Eligibility Rules for OAS in 2025
To qualify for OAS:
- You must be 65 or older.
- You must be a legal resident of Canada when your application is approved.
- You need to have lived in Canada for at least 10 years after age 18 for a partial pension.
- To receive the full pension, you must have lived in Canada for 40 years after age 18.
Why the Increase Matters
Everyday costs like housing, groceries, and healthcare are rising. Even though the October 2025 increase may look small, it provides real relief for seniors. For those aged 75 and older, the benefit is higher, giving them stronger support.
How Old Age Security Increases Are Calculated
Old Age Security payments rise based on CPI inflation rates:
- July–September 2025: +1.0%
- October–December 2025: +0.7%
This ensures seniors’ pensions stay fair and reflect the current cost of living.
Starting October 2025, seniors will see their Old Age Security pension increase to $740 per month for ages 65–74 and $814 per month for ages 75 and above. This adjustment is designed to help seniors keep up with higher living costs while ensuring long-term financial security.
With additional support from GIS and Allowance benefits, the increase makes a real difference in helping seniors manage daily expenses.
FAQs
When will the new OAS payment be made?
The first updated payment will be made on October 29, 2025.
How much will seniors over 75 get in October 2025?
They will receive about $814 per month.
Do I need to reapply to get the increase?
No, if you already receive Old Age Security, the increase will be automatic.