Canada’s Old Age Security (OAS) program continues to serve as a foundational source of income for millions of retirees.
The Canada Revenue Agency (CRA) has now confirmed that eligible seniors will receive their October 2025 OAS payment on October 29, 2025, with amounts ranging up to $784.67 for those aged 75 and older.
This latest update also includes critical details on Guaranteed Income Supplement (GIS) amounts, income thresholds, and steps to ensure timely deposits. Let’s break it all down for Canadian seniors and their families.
What Is Old Age Security (OAS)?
OAS is a non-contributory monthly pension paid to Canadians aged 65 and older.
Unlike the Canada Pension Plan (CPP), it doesn’t require a work history and is instead funded from general government revenues. OAS ensures that retirees have the means to afford basic living expenses such as rent, groceries, and medical care.
Those with low annual income may also qualify for GIS, which acts as a tax-free top-up to the OAS payment.
October 2025 OAS Payment Schedule and Amounts
The CRA will issue October 2025 payments on Wednesday, October 29. Here’s a complete breakdown of benefit amounts:
| Benefit Type | Age Group | Monthly Amount (Oct 2025) | Payment Date |
|---|---|---|---|
| Basic OAS Pension | 65 to 74 years | $713.34 CAD | October 29, 2025 |
| Basic OAS Pension | 75 years and older | $784.67 CAD | October 29, 2025 |
| Guaranteed Income Supplement (GIS) | Based on income | Up to $1,065.47 CAD (single) | October 29, 2025 |
These payments are indexed quarterly to reflect Consumer Price Index (CPI) inflation changes.
Eligibility Criteria for October OAS Payments
To qualify for the October 2025 OAS payment, you must meet the following:
- Be 65 years or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years since age 18
Even if you live abroad, you may still be eligible if you meet international social security agreement requirements or past residency conditions in Canada.
Why Seniors Aged 75+ Receive Higher Payments
Seniors aged 75 and over receive an additional monthly amount as part of a government enhancement introduced in 2022.
The extra $71.33 per month helps cover increased expenses associated with aging, such as medication and assisted living.
Guaranteed Income Supplement (GIS) – October 2025 Update
If your annual income is low (excluding OAS), you may qualify for GIS in addition to your basic pension. For single seniors, the maximum GIS benefit is $1,065.47 in October 2025.
Income threshold to qualify for GIS in 2025 is:
- Single seniors: Annual income must be below $21,624
Clawback and Income Thresholds for 2025
Higher-income seniors may see a reduction in OAS benefits due to the OAS Recovery Tax, commonly referred to as the “clawback.” The current thresholds are:
| Component | 2025 Threshold |
|---|---|
| OAS Clawback Start | $90,997 |
| GIS Maximum Eligibility (Single) | Under $21,624 |
| Full OAS Eligibility (40+ years in Canada) | Yes |
Exceeding the $90,997 income threshold triggers a gradual reduction in monthly OAS payments.
What to Do If Your OAS Payment Is Delayed
If you haven’t received your payment by November 1, 2025, here’s what to do:
- Log into My Service Canada Account (MSCA) to check payment status
- Call the CRA’s toll-free number for OAS-related queries
- Visit a local Service Canada Centre for in-person support
- Ensure direct deposit information is up to date
Staying Updated: How to Manage Your OAS Account
To avoid delays or miscalculations:
- Verify and update your banking details
- Report address or marital status changes
- Monitor your eligibility if turning 75 soon
- Review MSCA regularly for payment schedules and updates
The $784 OAS payment confirmed for October 2025 offers vital income support for Canada’s senior citizens, especially those aged 75 and above.
With predictable payment dates, clear eligibility rules, and supplementary GIS for low-income recipients, the OAS program continues to play a critical role in ensuring financial security during retirement.
Stay proactive by keeping your account updated, monitoring income thresholds, and understanding how OAS fits into your overall retirement plan.
FAQs
Who qualifies for the $784 OAS payment in October 2025?
Canadians aged 75 or older who meet residency and citizenship requirements will receive $784.67 this October.
When will I receive my OAS payment for October 2025?
The payment will be deposited on October 29, 2025, the standard schedule followed by CRA.
How much GIS can I receive along with OAS?
Single seniors can receive up to $1,065.47 CAD if their income is below $21,624 annually.