For many retirees, Old Age Security (OAS) is a lifeline that helps cover essential living costs. In August 2025, eligible seniors will see a modest increase, with the maximum monthly OAS reaching $808.45 for those aged 75 and older.
With expenses for food, housing, and transportation still high, this adjustment provides extra relief for seniors across the country. Here’s what you need to know about the updated rates, payment dates, eligibility, and application process.
Overview
OAS is a monthly pension funded by the federal government for Canadians aged 65 and above. Payment amounts are reviewed every three months to account for inflation, with adjustments made in January, April, July, and October.
For August 2025, maximum amounts are:
| Age Group | Maximum OAS (Aug 2025) | With GIS (Est.) |
|---|---|---|
| 65 to 74 | $734.95 | Up to $1,800+ |
| 75 and older | $808.45 | Up to $1,800+ |
These rates will not decrease even if inflation slows.
Payment Date
The August OAS payment is set for Tuesday, August 27, 2025.
- Direct deposit recipients will see the funds in their bank accounts that day.
- Cheque recipients should allow extra days for delivery.
OAS is typically paid near the end of each month, and direct deposit is recommended to avoid delays.
Eligibility
To qualify for OAS, you must:
- Be 65 or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after turning 18
If you live outside Canada, you may still qualify if you have lived in the country for 20 years as an adult.
High-income seniors may have some or all of their OAS clawed back through taxes if their income exceeds these 2025 thresholds:
| Age Group | Clawback Threshold (2025) |
|---|---|
| 65 to 74 | $148,541 |
| 75 and older | $154,196 |
How to Apply
Many Canadians are automatically enrolled by Service Canada at age 64. If you are not automatically enrolled, you can apply:
- Online via My Service Canada Account
- By mailing a paper application
- In person at a Service Canada office
You can start OAS between ages 65 and 70. Delaying can boost your payments by up to 36 percent.
Tax Considerations
OAS is taxable income. By default, taxes are not withheld unless you request it. Voluntary deductions can help avoid a large tax bill at year-end and can be set up through My Service Canada Account or by submitting a paper form.
Remaining 2025 OAS Dates
| Month | Payment Date |
|---|---|
| August | Aug 27, 2025 |
| September | Sep 25, 2025 |
| October | Oct 29, 2025 |
| November | Nov 26, 2025 |
| December | Dec 22, 2025 |
GIS Add-On
If your income is below a set threshold, you may qualify for the Guaranteed Income Supplement (GIS) in addition to OAS.
GIS eligibility and payment amounts depend on:
- Household income
- Marital status
- Whether your spouse receives OAS or GIS
With GIS, your total monthly payment could exceed $1,800.
The August 2025 OAS payment increase may be modest, but for many seniors, it represents a meaningful boost in monthly income. By keeping track of eligibility, payment dates, and potential GIS benefits, retirees can ensure they’re getting the maximum possible support in retirement.
FAQs
What is the OAS amount for seniors 75+ in August 2025?
$808.45 per month.
When will August 2025 OAS be paid?
On August 27, 2025.
Is OAS taxable in Canada?
Yes, OAS payments are taxable income.
Can I get OAS if I live outside Canada?
Yes, if you lived in Canada at least 20 years as an adult.
What is the GIS?
A tax-free benefit for low-income seniors added to OAS.
