Canadian seniors receiving Old Age Security (OAS) can look forward to a welcome boost in their payments this summer. The OAS increase 2025 will officially kick in this July, offering greater financial relief for retirees dealing with rising living costs. This update is part of the government’s regular inflation-based adjustment cycle, ensuring that OAS benefits continue to keep pace with the Consumer Price Index (CPI).
In this detailed article, we break down everything you need to know about the OAS increase 2025 — from payment amounts and eligibility to key dates and what seniors should do to prepare.
Table of Contents
Why is There an OAS Increase in 2025?
The OAS increase 2025 is based on the Canadian government’s commitment to indexing benefits to inflation. The federal government adjusts OAS payments quarterly — in January, April, July, and October — to reflect changes in the CPI. This helps maintain the purchasing power of seniors as prices for essentials like food, rent, and utilities continue to climb.
For the July–September 2025 quarter, a 1.0% increase has been confirmed, translating to a 2.3% increase compared to July 2024.
OAS Increase 2025: New Payment Amounts
As of July 2025, eligible seniors will receive the following estimated monthly amounts (rounded):
- Ages 65–74:
- Up to $713.34 per month (before clawbacks)
- Ages 75 and over:
- Up to $808.44 per month (includes the 10% age-based increase introduced in July 2022)
These numbers reflect the latest OAS increase 2025 adjustment based on the current CPI data.
OAS Increase 2025: Who is Eligible?
To receive the OAS increase 2025, you must already qualify for Old Age Security. General eligibility criteria include:
- Being 65 years or older
- Being a Canadian citizen or legal resident
- Having resided in Canada for at least 10 years since age 18
- Meeting income and tax filing requirements
Even if you are already receiving OAS, the increase is applied automatically — you do not need to reapply.
OAS Increase 2025 Payment Dates
Here are the scheduled OAS payment dates for the rest of 2025, including when the increase will appear:
- June 26, 2025 – Final payment before the increase
- July 29, 2025 – First payment with the OAS increase 2025
- August 28, 2025
- September 25, 2025
- October 29, 2025
- November 27, 2025
- December 20, 2025
Note: Dates may vary slightly if they fall on a weekend or holiday.
What About the OAS Clawback in 2025?
The OAS Clawback 2025, officially known as the OAS Recovery Tax, applies if your net annual income exceeds a certain threshold. For 2025:
- The threshold is approximately $90,997
- For every dollar above this limit, 15 cents is deducted from your OAS payment
- Full repayment kicks in around $148,000+ of annual income
Seniors with income below this range will receive the full benefit, including the OAS increase 2025.
How to Apply for OAS if You Haven’t Yet
If you’re turning 65 soon, you can apply:
- Online through your CRA My Service Canada Account
- By mail using a paper application
- You can also call the Old Age Security phone number at 1-800-277-9914 for help
Filing your 2024 income tax return is essential to determine eligibility for both OAS and related benefits such as the Guaranteed Income Supplement (GIS).
Final Takeaway: OAS Increase 2025 Brings Welcome Relief
The OAS increase 2025 is great news for Canadian seniors relying on fixed incomes. With inflation continuing to impact day-to-day expenses, even a modest 1% increase provides much-needed breathing room. Make sure your personal info is up to date with Service Canada, check your July 29 payment, and enjoy the automatic boost that reflects Canada’s commitment to supporting its aging population.
If you have more questions about the OAS increase 2025, eligibility, or related benefits, I can help clarify further.