If you’re relying on Old Age Security (OAS) in retirement, staying up to date on OAS payments 2025 is essential. This guide covers everything— OAS payment dates, eligibility, application steps, OAS clawback 2025, age rules, contact info, and benefit amounts. With inflation and tax changes, knowing the latest on the Old Age Security Supplement, income thresholds, and clawback rules can help you plan your finances wisely.
Table of Contents
OAS Payment Dates for 2025
Old Age Security payments are issued monthly, typically on the last business day. The OAS payment dates 2025 schedule includes:
- January 29
- February 26
- March 27
- April 28
- May 28
- June 26
- July 29
- August 27
- September 25
- October 29
- November 26
- December 22
OAS Payment Amounts
(April to June 2025)
- Ages 65–74: $727.67/month
- Ages 75+: $800.44/month (includes the 10% enhancement for those 75 and older)
OAS is adjusted quarterly based on the Consumer Price Index (CPI). The next increase will occur in July 2025, expected to be 1.0%, reflecting a year-over-year change of 2.3%.
OAS Increase 2025
As part of normal cost‑of‑living adjustments, Old Age Security (OAS) benefits are set to see a 1.0% increase for the July–September 2025 quarter, building on a 2.3% annual rise compared to July 2024. This quarterly bump is applied automatically based on the Consumer Price Index (CPI), ensuring payments reflect current inflation levels.
Since inflation slowed earlier in the year, there was no increase from April to June 2025, but seniors can expect the updated amount starting July 29, 2025. This increase applies to all OAS recipients, including seniors aged 75+ who receive the additional 10% “aged‑75” supplement.
(July to Sept 2025)
- Ages 65–74: $734.95/month
- Ages 75+: $808.44/month
Next OAS payments will be adjusted in October 2025 based on CPI.
CPP OAS Increase 2025
Key Points:
- CPP increase: +2.6%, effective January 2025, next adjustment in January 2026.
- OAS increase: +1.0% for July–September 2025, with total annual rise of 2.3%.
- Why this difference? CPP adjusts annually, while OAS uses quarterly CPI updates.
OAS Eligibility
To receive OAS payments in 2025, you must:
- Be 65 years or older (OAS starts at 65, not 67)
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after age 18
- Apply for OAS unless you’re automatically enrolled
To receive the full pension, you generally need to have resided in Canada for 40 years after turning 18.
OAS Application
If you’re not automatically enrolled, you can apply:
- Online using My Service Canada Account
- By completing a paper application form
- Or by calling the Old Age Security phone number: 1‑800‑277‑9914
You can apply up to 11 months before your 65th birthday.
Does OAS Start at 65 or 67?
Old Age Security begins at 65, but you can defer payments up to age 70. Delaying increases your monthly payment by 0.6% for each month delayed, up to 36% if you wait until age 70.
OAS Clawback 2025
The OAS clawback, officially called the OAS Recovery Tax, affects higher-income seniors. If your income exceeds a certain threshold, you must repay part or all of your OAS.
For July 2025 to June 2026 (based on your 2024 income):
- The income threshold is $93,454 for those aged 65–74
- The threshold for those aged 75+ is $157,490
You must repay 15% of every dollar above the threshold. Full OAS is clawed back at about $151,668 to $157,490, depending on age and year.
OAS Clawback 2024 Recap
For July 2024–June 2025 (based on 2023 income):
- The clawback began at $90,997
- For every dollar above this, 15% was deducted from your OAS
- Many retirees saw reduced monthly payments if their income exceeded the threshold
Old Age Security Supplement: Guaranteed Income Supplement (GIS)
The Old Age Security Supplement, officially known as GIS, is available to low-income seniors who already receive OAS.
As of early 2025, the GIS monthly maximums are:
- Single seniors: Up to $1,086.88/month
- Couples (both receiving OAS): Up to $654.23/month each
Eligibility depends on your previous year’s income. GIS is non-taxable and reviewed quarterly.
Old Age Security Age
The eligibility age to start receiving Old Age Security (OAS) in Canada is 65 years old. You do not need to be retired to receive it, but you must meet residency and legal status requirements. While there have been discussions in the past about increasing the age to 67, OAS still begins at age 65 as of 2025. You can apply up to 11 months before your 65th birthday, and deferring your OAS up to age 70 can increase your monthly payment.
Old Age Security Phone Number
Need help with Old Age Security? You can reach a Service Canada representative by calling the toll‑free OAS phone number at 1‑800‑277‑9914, or use TTY 1‑800‑255‑4786 if needed. This line operates Monday to Friday, from 8:30 a.m. to 4:30 p.m. local time, and offers automated service 24/7 for checking OAS and GIS status, payment dates, and application progress. Callers outside Canada can dial 1‑613‑957‑1954 (collect) during the same hours.
What You Should Do
- File your 2024 taxes early—tax data determines July 2025 to June 2026 payments.
- Check your income to avoid or reduce OAS clawback.
- Monitor your My Service Canada Account for updates or adjustments.
- Consider delaying OAS if you’re still working and earning a high income.
Summary Table
| Item | Detail |
|---|---|
| Old Age Security Start Age | 65 (deferrable up to 70) |
| Max Payment (Apr–Jun) | $727.67 (65–74), $800.44 (75+) |
| Next Increase | July 2025 (estimated 1.0%) |
| GIS Maximums | $1,086.88 (single), $654.23 (couple) |
| Clawback Threshold 2025 | $90,997 (65–74), $148,451 (75+) |
| Clawback Rate | 15% of income above threshold |
| Phone Number | 1‑800‑277‑9914 |
| Application Required? | Yes, unless auto-enrolled |
| Deferral Bonus | 0.6% more per month (up to 36%) |
Final Takeaway
OAS payments 2025 bring small increases, automatic adjustments, and potential clawbacks. Knowing your income level, the thresholds, and your supplement eligibility can help you avoid surprises and make the most of your benefits. Whether you’re applying soon or already receiving payments, keeping up with dates, amounts, and OAS clawback rules is key to smart retirement planning.