Old Age Security (OAS) Pension Amounts Updated For October–December 2025

The Old Age Security (OAS) pension has been officially updated for the October–December 2025 quarter, bringing higher monthly payments for Canadian seniors.

These increases reflect adjustments to the Consumer Price Index (CPI), ensuring that payments keep pace with the rising cost of living.

For the last quarter of 2025, seniors aged 65 and above will continue to receive stable and enhanced support, depending on their age group and annual income level.

OAS Payment Rates and Income Limits

The government reviews OAS every January, April, July, and October, adjusting it based on inflation. Your payment will not decrease even if living costs fall.

Here’s the latest table for October to December 2025:

Age Range	Maximum Monthly Payment	Annual Net World Income Limit (2024)
65 to 74	$740.09	Less than $148,451
75 and over	$814.10	Less than $154,196

These updated figures help protect seniors’ purchasing power as they face higher living costs across Canada.

Why Did OAS Payments Increase?

The OAS pension automatically increases in line with inflation to protect retirees from price changes. This adjustment is based on the average cost of goods and services measured by the Consumer Price Index.

Between October 2024 and October 2025, the CPI increased moderately, prompting a slight rise in the OAS amounts. Seniors can rest assured that even if inflation slows down in future months, their OAS will not be reduced.

Who Is Eligible for Full and Partial Payments?

To receive the full OAS pension, you must:

• Be 65 years or older;
• Have lived in Canada for 40 years or more after the age of 18;
• Have an annual net world income below the threshold listed above.

If you have lived in Canada for less than 40 years but more than 10, you will receive a partial OAS. The amount is proportional to how long you’ve lived in Canada after age 18 — calculated as the number of years lived divided by 40.

OAS Clawback (Recovery Tax)

If your income is above a certain level, part or all of your OAS may be clawed back through the recovery tax.

• The repayment starts when your annual income exceeds $90,997 (2024).
• The more your income exceeds this limit, the more you’ll have to repay.
• For very high earners, OAS can be fully clawed back once income passes approximately $150,000.

This system ensures that OAS benefits go primarily to those who need them most.

Should You Delay Your OAS Payments?

You can delay your first OAS payment for up to 60 months (5 years) after turning 65. Doing so increases your monthly payment by approximately 0.6% for each month delayed — up to a total of 36% extra if you start at 70 instead of 65.

However, if you qualify for the Guaranteed Income Supplement (GIS), it may be better to start OAS earlier, as delaying could postpone other benefits.

Additional Notes

• Payments are made near the end of each month.
• You can receive OAS by direct deposit in Canada, the U.S., and certain other countries.
• If you apply late, you may receive retroactive payments of up to 11 months from the application date.
• If you delay OAS, your spouse cannot receive the Allowance or Allowance for Survivor during that period.

The Old Age Security (OAS) program continues to provide vital financial assistance to millions of Canadian seniors.

With the new October–December 2025 update, payments have increased slightly to match inflation, helping retirees better manage daily expenses.

Whether you plan to start OAS at 65 or delay for higher benefits, understanding your options ensures you maximize your income during retirement.

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