New $814.09 OAS Payment For October 2025 – Eligibility Rules & Payment Date

OAS Payment: For many Canadian seniors, the Old Age Security (OAS) pension is one of the most important financial supports in retirement. It provides a steady monthly income for people aged 65 and older who meet residency requirements.

The program is designed to protect seniors against rising living costs, and payments are adjusted every quarter to match inflation.

From October 2025, OAS payments will increase again. This rise ensures that seniors do not lose purchasing power as prices for food, housing, and healthcare continue to climb. The new maximum payment for seniors aged 75 and older will now reach $814.09 per month.

Let’s look at the confirmed payment date, eligibility rules, new rates, and why this increase matters.

OAS Payment Date For October 2025

The next OAS Payment deposit is scheduled for:

• Wednesday, October 29, 2025

Most seniors will receive their money through direct deposit, which is fast and secure. Seniors who still get payments by cheque may face delays of a few business days.

New OAS Rates (October – December 2025)

The Canadian government has confirmed a 0.7% increase in OAS rates for the last quarter of 2025.

Age Group	New Monthly OAS Amount
65–74 years	$740.08
75 years and older	$814.09

This increase is tied to the Consumer Price Index (CPI), which measures inflation. By linking OAS to inflation, the government ensures seniors maintain their standard of living.

Eligibility Rules For OAS In 2025

To receive OAS payments, seniors must meet certain conditions:

• Must be 65 years or older
• Must be a Canadian citizen or legal resident at the time of approval
• Must have lived in Canada for at least 10 years after age 18
• To receive the full OAS pension, 40 years of Canadian residency is required
• Seniors living abroad must have at least 20 years of Canadian residency after turning 18

OAS Clawback (Recovery Tax)

High-income seniors should know about the OAS clawback, officially called the recovery tax. For the July 2025 – June 2026 benefit year:

• OAS is reduced if net annual income is above $93,454
• Payments are fully clawed back at $151,775 for ages 65–74
• Seniors aged 75+ have a slightly higher threshold because their maximum benefit is higher

This means wealthier seniors may see their OAS reduced or fully eliminated.

Why The 0.7% Increase Matters

At first glance, 0.7% may look like a small raise, but it is crucial for seniors living on fixed incomes. Every extra dollar helps cover rising grocery bills, utility costs, and medical expenses.

• The increase happens automatically; seniors do not need to reapply.
• Millions of Canadians will benefit without extra paperwork.
• Even a modest rise provides breathing space for those managing tight budgets.

Key Takeaways For Seniors

• Next OAS payment date: October 29, 2025
• Payment increase: 0.7% for October–December 2025
• New rates: $740.08 (ages 65–74) and $814.09 (ages 75+)
• Eligibility: Based on age, citizenship, and residency rules
• Clawback applies: For high-income seniors above $93,454

The OAS Payment increase in October 2025 is another step in helping Canadian seniors maintain financial stability during retirement.

While the raise may seem small, it ensures payments stay aligned with inflation and protects the purchasing power of older citizens.

With new monthly amounts of $740.08 and $814.09, millions of seniors will see a modest but meaningful improvement in their income.

Staying informed about eligibility rules, payment dates, and clawback limits helps retirees plan their finances better and avoid surprises.

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