Old Age Security (OAS) is a vital monthly benefit for Canadian seniors, designed to help cover basic living expenses during retirement. If you’re a retiree or approaching retirement, staying informed about OAS payment dates and benefit amounts is key to managing your finances.

For the months of August through October 2025, the Government of Canada has shared the official payment schedule and updated payment amounts. Let’s explore what you can expect and how to ensure you receive your full entitlement without delay.

OAS Payment Schedule: August – October 2025

OAS payments are typically deposited during the last week of each month. These dates avoid weekends and public holidays to ensure prompt delivery.

Here is the confirmed OAS payment calendar for August to October 2025:

Month	Payment Date	Estimated Amount
August 2025	Thursday, August 28	$713.34 – $784.67
September 2025	Thursday, September 25	$713.34 – $784.67
October 2025	Wednesday, October 29	$713.34 – $784.67

Note: Actual payment amounts may vary depending on your age, residency, and income. These figures include recent inflation-based adjustments as of July 2025.

What Affects Your OAS Amount?

While OAS is a universal benefit, not everyone receives the same amount. Your payment may be higher or lower based on the following factors:

Age Bracket

• If you are between 65 and 74 years old, the maximum monthly amount is about $713.34.
• For those aged 75 and older, the maximum benefit increases to approximately $784.67, following a permanent 10% boost announced previously.

Income Level

• If your net annual income exceeds $90,997 (based on 2025 thresholds), part or all of your OAS may be subject to recovery tax (clawback).

Years Lived in Canada

• You must have lived in Canada for at least 10 years after age 18 to qualify.
• To receive the full benefit, you typically need 40 years of Canadian residency after turning 18.

Other Benefits (Like GIS)

• Receiving the Guaranteed Income Supplement (GIS) or Allowance can affect your combined monthly payments and overall eligibility.

OAS Indexing and Adjustments in 2025

OAS benefits are adjusted quarterly based on the Consumer Price Index (CPI) to keep pace with inflation. In both January and July 2025, small increases were applied.

As of now:

• Maximum OAS for seniors aged 75+ is $784.67
• Maximum OAS for seniors aged 65–74 is $713.34

The government continues to track inflation and may increase payments again if living costs continue to rise.

What’s New: OAS Service Improvements

The Canadian government is working to make OAS services faster, easier, and safer. Some recent updates include:

• My Service Canada Account (MSCA): Seniors can now check upcoming OAS payments, update information, and view T4A(OAS) slips online.
• Mobile Portal (Pilot Program): A new mobile-friendly site is being tested to help seniors access their benefits easily from phones or tablets.
• Fraud Protection: Enhanced security for direct deposit users is being rolled out to prevent scams and identity theft.

Helpful Tips to Manage Your OAS Income

Managing your monthly benefit wisely can make a big difference. Here are a few planning tips:

• Set Up Auto-Pay: Automate important bills like rent, utilities, or phone services to match your OAS deposit dates.
• Apply for GIS: If you’re eligible, combining OAS with the Guaranteed Income Supplement can boost your monthly support.
• Build Emergency Funds: Use any extra cash to grow a small emergency fund in a high-interest savings account.
• Stay Updated: Regularly log into your CRA and Service Canada accounts to track benefit changes or submit updates.

How to Check Your OAS Status

Want to make sure your payment is coming or confirm your eligibility? Here’s how:

• Online: Log into your My Service Canada Account (MSCA) to view payment details, update information, and download tax slips.
• Phone: Call Service Canada’s toll-free number for direct help.
• In Person: Visit a Service Canada centre near you for personal assistance.

Tip: Always ensure your banking details and mailing address are up to date to avoid delays in receiving payments.

Conclusion

From August to October 2025, seniors in Canada can expect their OAS payments on August 28, September 25, and October 29, with estimated monthly amounts ranging from $713.34 to $784.67 depending on age and eligibility.

Staying informed, maintaining updated personal information, and planning ahead can help you make the most of your OAS benefits. Whether you’re already receiving OAS or planning to apply soon, these insights can help you stay financially secure during retirement.

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