Overview
The Old Age Security (OAS) pension remains one of the most important income sources for Canadian retirees. In October 2025, many seniors could receive up to $1,500 per month when OAS is combined with the Guaranteed Income Supplement (GIS) and age-based increases.
The official OAS payment date for October 2025 is Wednesday, October 29, 2025.
This article explains:
- Eligibility requirements for OAS and GIS
- Exact payment amounts in 2025
- Clawback (recovery tax) rules for higher incomes
- Application process and when to apply
- Key dates for seniors to note
What Is the OAS Pension?
The OAS pension is a monthly benefit paid to Canadians 65 and older. It is funded from general tax revenues and does not require past contributions like CPP.
- In 2025, the average OAS benefit is around $730 per month.
- Seniors aged 75 and above receive a permanent 10% increase.
- With GIS, total monthly support can reach $1,500 or more.
OAS Payment Rates in 2025
| Benefit | Maximum Monthly Amount (2025) | Notes |
|---|---|---|
| OAS (65–74) | $730 | Standard pension |
| OAS (75+) | $803 | Includes 10% age increase |
| GIS (Single) | Up to $1,072 | Based on low income |
| GIS (Couple, each) | Up to $650 | Based on combined income |
| Allowance (60–64) | $1,343 | For low-income spouse of OAS/GIS recipient |
| Allowance for Survivor (60–64) | $1,609 | For widows/widowers |
This shows how some seniors can reach the $1,500 monthly figure through a mix of OAS and GIS.
Eligibility for OAS
To qualify for OAS in 2025, you must:
- Be 65 or older
- Be a Canadian citizen or legal resident at the time of approval
- Have lived in Canada for at least 10 years after age 18 (partial pension)
- Have lived in Canada for 40 years after age 18 (full pension)
Partial OAS Example
If you lived in Canada for 20 years after age 18, you would qualify for 50% of the full OAS pension.
Guaranteed Income Supplement (GIS)
The GIS is an additional monthly benefit for low-income seniors receiving OAS.
- Single seniors can receive up to $1,072 per month
- Couples may receive up to $650 each
- GIS is non-taxable
- Payment amounts decrease as annual income increases
This is why many low-income seniors see a combined OAS + GIS of around $1,500 monthly.
OAS Payment Dates (Late 2025)
OAS is paid on the third-last business day of each month.
- September 26, 2025
- October 29, 2025
- November 26, 2025
- December 22, 2025
Payments are issued by direct deposit or mailed cheque.
How to Apply
Some Canadians are automatically enrolled, while others must apply.
Steps to apply for OAS:
- Log in to your My Service Canada Account (MSCA)
- Check if you are automatically enrolled
- If not, complete the online or paper application
- Submit required documents (proof of residency, SIN, banking details)
- Apply 6–12 months before age 65 to avoid processing delays
Processing time: Typically 1–6 months, depending on Service Canada workload.
OAS Deferral Option
You can delay OAS up to age 70. Payments increase by 0.6% per month (7.2% per year).
Example:
- Starting OAS at 65: ~$730/month
- Starting OAS at 70: ~$1,040/month (approx.)
This can benefit seniors who continue working and don’t need OAS immediately.
OAS Clawback (Recovery Tax)
High-income seniors face reductions through the OAS recovery tax.
- Clawback begins when net annual income exceeds $90,000
- OAS is fully eliminated at about $148,000 income
Example:
- Senior with $100,000 income in 2025: ~$730 OAS reduced by
$750 annually ($62/month clawback)
Taxation of OAS
- OAS payments are taxable income
- GIS is non-taxable
- Seniors can reduce clawbacks and taxes with:
- TFSA savings (tax-free withdrawals)
- RRSP planning before retirement
- Pension income splitting with a spouse
FAQs – OAS October 2025
1. What is the maximum OAS in October 2025?
$730 per month for seniors 65–74, and $803 per month for seniors 75+.
2. How can seniors get $1,500 per month?
Through OAS combined with GIS (and Allowance in some cases).
3. Do I need to apply for GIS separately?
Yes. If you qualify for GIS, you must submit income details each year.
4. What if I live outside Canada?
You may still qualify if you lived in Canada for 20+ years after age 18 before leaving.
Key Takeaways
- Maximum OAS in 2025: $730 (65–74), $803 (75+)
- With GIS, some seniors receive up to $1,500/month
- October 2025 OAS payment date: October 29, 2025
- High-income seniors face clawbacks above $90,000 annual income
- Application recommended 6–12 months before 65
Final Thoughts
The $1,500 OAS pension boost in October 2025 highlights the importance of OAS and GIS as retirement income. By applying on time, understanding income limits, and planning ahead, seniors can maximize their government benefits.
For more details, visit the official Government of Canada OAS page.
Disclaimer: This article is for informational purposes only. Aurora Nation is not affiliated with the Government of Canada or Service Canada.
