Canada has officially released the Old Age Security (OAS) payment schedule for October 2025, reaffirming its dedication to supporting seniors aged 65 and above.
This monthly benefit remains a cornerstone of retirement income, offering predictable deposit dates, inflation-adjusted payments, and clear eligibility criteria.
Whether you’re already a beneficiary or nearing eligibility, this comprehensive guide will walk you through October’s OAS payments, including amounts, requirements, deposit delays, and how income influences your entitlement.
What is Old Age Security (OAS)?
Old Age Security (OAS) is one of Canada’s main federal retirement income programs. Funded through general tax revenue rather than employment contributions, OAS provides monthly financial support to Canadians aged 65 or older.
Unlike the Canada Pension Plan (CPP), OAS does not require a work history. Its primary goal is to ensure seniors can cover essential expenses like housing, groceries, and medical care.
Seniors with limited income may also qualify for the Guaranteed Income Supplement (GIS), an income-based top-up to the base OAS pension.
Eligibility for OAS in October 2025
To receive the October 2025 OAS payment, you must meet the following conditions:
- Be 65 years or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years since turning 18
Those residing outside Canada may still qualify if they fulfill international social security agreement requirements or have enough residency history within the country.
October 2025 OAS Payment Dates and Amounts
The payment for October will be deposited on Wednesday, October 29, 2025, following the standard schedule of issuing payments on the third-last business day of the month.
OAS Payment Table – October 2025
| Benefit Type | Age Group | Monthly Amount (CAD) | Payment Date |
|---|---|---|---|
| Basic OAS Pension | 65 to 74 years | $713.34 | October 29, 2025 |
| Basic OAS Pension | 75 years and older | $784.67 | October 29, 2025 |
| Guaranteed Income Supplement | Based on income | Up to $1,065.47 (single) | October 29, 2025 |
Why Do Seniors Over 75 Receive More?
The enhanced OAS benefit for seniors aged 75 and older was introduced in 2022 to address the rising costs associated with aging.
This age group receives an additional $71.33 monthly, continuing into October 2025, as part of the government’s long-term commitment to financial security for older seniors.
What is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement (GIS) provides additional support for low-income seniors. Eligibility and payment amounts are determined by your annual income (excluding OAS).
For October 2025, single seniors may receive up to $1,065.47 in GIS, on top of their regular OAS.
To qualify for GIS in 2025, a single senior’s annual income must be below $21,624.
OAS Income Thresholds and Clawback for 2025
If your net annual income exceeds a certain limit, your OAS may be partially or fully clawed back through the OAS Recovery Tax.
Income Thresholds for 2025
| Component | 2025 Threshold |
|---|---|
| OAS Clawback Begins | $90,997 |
| GIS Eligibility (Single) | Income under $21,624 |
| Full OAS Eligibility | 40+ years residency in Canada |
Exceeding the $90,997 income limit will trigger a gradual reduction in your OAS payments.
What to Do If Your Payment Is Delayed
If you haven’t received your October OAS payment by November 1, consider the following steps:
- Log in to your My Service Canada Account (MSCA) to verify status
- Contact the OAS support helpline for assistance
- Visit your local Service Canada Centre for help
To avoid future delays, ensure you’re enrolled in direct deposit with up-to-date banking details.
How to Manage and Update OAS Information
Staying current with your OAS account information helps prevent disruptions. Use the following methods:
- My Service Canada Account (MSCA): Monitor payment schedules and update personal information
- Direct Deposit: Confirm your bank details are accurate
- Address and Marital Status: Report any changes, especially if moving or turning 75 soon
Planning for Retirement: Role of OAS
OAS is one pillar of Canada’s retirement system, which may also include:
- Canada Pension Plan (CPP)
- Guaranteed Income Supplement (GIS)
- Provincial benefits like tax credits or supplements
- Private savings, such as RRSPs and pensions
Because OAS is non-contributory, eligibility depends on age and residency, not employment history. Understanding how it fits into your broader retirement strategy is vital for financial stability.
The October 2025 Old Age Security payment schedule provides clarity and reassurance to seniors relying on this critical federal benefit.
With increased payments for older seniors, inflation-linked adjustments, and income-based supplements, OAS continues to be a lifeline for millions.
Staying informed about eligibility, payment dates, and income thresholds can help ensure you receive the full benefit you deserve.
FAQs
1. When will the OAS payment be deposited in October 2025?
The OAS payment will be deposited on October 29, 2025, which is the third-last business day of the month.
2. What is the income limit for receiving the Guaranteed Income Supplement in 2025?
For single seniors, the income threshold is $21,624. Staying under this limit is necessary to qualify for GIS payments.
3. Will my OAS be reduced if I earn too much in 2025?
Yes. If your net income exceeds $90,997, your OAS will be gradually reduced through the OAS Recovery Tax.