In 2025, the Canada Revenue Agency (CRA) continues to provide financial support to seniors through the Old Age Security (OAS) program.
While individual OAS payments do not reach $3,800 per month, eligible seniors may receive a combination of benefits—including OAS, Guaranteed Income Supplement (GIS), and Allowances—that can total up to approximately $3,800 monthly.
This article outlines the confirmed payment dates, eligibility criteria, and benefit amounts for 2025.
Understanding Old Age Security (OAS) in 2025
The Old Age Security (OAS) pension is a monthly payment available to seniors aged 65 and older. The amount received depends on age and income:
- Ages 65 to 74: Up to $727.67 per month
- Ages 75 and over: Up to $800.44 per month
These amounts are reviewed quarterly and adjusted based on the Consumer Price Index (CPI) to reflect changes in the cost of living.
Additional Benefits: GIS and Allowances
Eligible seniors may also receive the Guaranteed Income Supplement (GIS) and other allowances:
- GIS for single, widowed, or divorced individuals: Up to $1,086.88 per month
- GIS for couples (both receiving OAS): Up to $654.23 per month per person
- Allowance for individuals aged 60 to 64 (whose spouse receives GIS): Up to $1,381.90 per month
- Allowance for the Survivor (aged 60 to 64): Up to $1,647.34 per month
These benefits are income-tested and aim to provide additional support to low-income seniors.
Maximum Potential Monthly Benefits
By combining OAS, GIS, and applicable allowances, the maximum potential monthly benefits in 2025 are as follows:
| Benefit Combination | Maximum Monthly Amount |
|---|---|
| OAS (75+) + GIS (single) | $800.44 + $1,086.88 = $1,887.32 |
| OAS (65–74) + GIS (single) | $727.67 + $1,086.88 = $1,814.55 |
| Allowance for the Survivor | $1,647.34 |
| OAS (75+) + GIS (with non-OAS spouse) | $800.44 + $1,086.88 = $1,887.32 |
| OAS (65–74) + GIS (with non-OAS spouse) | $727.67 + $1,086.88 = $1,814.55 |
| Allowance (aged 60–64) | $1,381.90 |
Note: These figures represent maximum amounts; actual payments depend on individual income levels and eligibility.
Confirmed OAS Payment Dates for 2025
The CRA has announced the following OAS payment dates for 2025:
| Month | Payment Date |
|---|---|
| January | 29 |
| February | 26 |
| March | 27 |
| April | 28 |
| May | 28 |
| June | 26 |
| July | 29 |
| August | 27 |
| September | 25 |
| October | 29 |
| November | 26 |
| December | 22 |
Payments are typically issued via direct deposit on these dates. For those receiving cheques, delivery may take additional time.
Eligibility Criteria for OAS and Additional Benefits
To qualify for OAS, individuals must:
- Be 65 years or older
- Be a Canadian citizen or legal resident
- Have resided in Canada for at least 10 years since age 18
For full OAS benefits, a minimum of 40 years of residence in Canada after age 18 is required. Those with fewer years may receive a partial pension, calculated based on the number of years lived in Canada divided by 40.
GIS and Allowances have additional income-based eligibility requirements:
- GIS: Available to low-income seniors receiving OAS
- Allowance: For individuals aged 60 to 64 whose spouse receives GIS
- Allowance for the Survivor: For individuals aged 60 to 64 whose spouse has passed away
Tax Implications and Recovery Tax
OAS payments are considered taxable income. Seniors with higher incomes may be subject to the OAS recovery tax, which requires repayment of part or all of the OAS pension. For 2025, the recovery tax applies as follows:
- Ages 65 to 74: Net world income between $93,454 and $151,668
- Ages 75 and over: Net world income between $93,454 and $157,490
Note: Net world income includes OAS payments and other income sources.
The 2025 OAS program offers vital financial support to Canadian seniors, with monthly payments potentially reaching $3,800 through combined benefits.
With confirmed CRA payment dates and eligibility details in place, it’s essential for seniors to stay informed, apply on time, and maximize their entitled support for a secure retirement.
FAQs
Can I receive OAS payments while living outside Canada?
Yes, if you have lived in Canada for at least 20 years after turning 18, you may receive OAS payments abroad. However, GIS and Allowances are generally not payable outside Canada.
How can I apply for OAS and related benefits?
If you are not automatically enrolled, you can apply for OAS through your My Service Canada Account or by submitting a paper application. It’s recommended to apply six months before turning 65.
Will OAS payment amounts change during 2025?
OAS payments are reviewed quarterly (January, April, July, October) and may increase based on the Consumer Price Index (CPI). Any changes will be announced by the CRA.