Old Age Security (OAS) remains one of the most crucial financial supports for Canadian retirees. In August 2025, the federal government has confirmed an increase in OAS payments, helping seniors keep pace with inflation and the rising cost of living.
For seniors aged 75 and older, the maximum payment has now climbed to $808.45, while those between 65 and 74 years can receive up to $734.95. Combined with the Guaranteed Income Supplement (GIS), some households could see their total monthly support exceed $1,800.
This article breaks down the new OAS amounts, eligibility rules, payment dates, clawback thresholds, and additional support available for low-income seniors.
What Is Old Age Security (OAS)?
OAS is a monthly pension benefit funded directly by the federal government. Unlike the Canada Pension Plan (CPP), it is not based on employment history. Instead, OAS eligibility depends on age, residency, and citizenship status.
The payment amounts are adjusted quarterly to reflect inflation trends, ensuring that retirees maintain financial stability even as living costs rise. Importantly, OAS rates never decrease — they only go up or remain the same.
OAS Payment Amounts for August 2025
Here are the confirmed maximum amounts seniors will receive in August 2025:
| Age Group | Maximum OAS (August 2025) |
|---|---|
| 65 to 74 | $734.95 |
| 75 and older | $808.45 |
| With GIS (est.) | $1,800+ |
These figures reflect a slight increase from earlier months, helping seniors better manage food, housing, and healthcare costs.
August 2025 OAS Payment Date
The government has scheduled the August 2025 OAS payment for:
- Tuesday, August 27, 2025
- Direct deposit: Funds will appear in recipients’ accounts on the same day.
- Cheque recipients: Payments may take several extra business days to arrive by mail.
To avoid delays, seniors are encouraged to register for direct deposit through their CRA My Account or Service Canada portal.
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Who Is Eligible for OAS?
To qualify for Old Age Security in Canada, you must:
- Be 65 years of age or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years since the age of 18
For Canadians living abroad, eligibility still applies if they have lived in Canada for at least 20 years after turning 18.
OAS Clawback Rules for 2025
While OAS is a universal benefit, high-income seniors may face repayment reductions known as the OAS clawback.
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For 2025, the thresholds are:
| Age Group | Clawback Threshold (2025) |
|---|---|
| 65 to 74 | $148,541 |
| 75 and older | $154,196 |
If a senior’s net annual income exceeds these limits, the government reduces OAS payments until they are fully clawed back.
How to Apply for OAS
Most Canadians are automatically enrolled in OAS around the age of 64. However, if automatic enrollment does not occur, seniors can apply manually:
- Online via My Service Canada Account
- By mail using a paper application form
- In-person at a Service Canada office
Seniors can choose to start collecting OAS anytime between 65 and 70 years old. Delaying payments increases the monthly benefit — up to 36% more if deferred until age 70.
Tax Rules for OAS
OAS payments are considered taxable income. However, seniors can request that tax be withheld at source, avoiding unexpected tax bills later. This can be arranged through:
- My Service Canada Account
- Submitting a withholding request form by mail
OAS Payment Dates for the Rest of 2025
Here are the confirmed OAS dates for the remainder of the year:
| Month | Payment Date |
|---|---|
| August 2025 | August 27, 2025 |
| September 2025 | September 25, 2025 |
| October 2025 | October 29, 2025 |
| November 2025 | November 26, 2025 |
| December 2025 | December 22, 2025 |
Payments are usually issued at the end of each month, with December arriving earlier to cover holiday expenses.
Guaranteed Income Supplement (GIS)
For low-income seniors, the GIS provides additional monthly support on top of OAS. Depending on income and marital status, total monthly payments can exceed $1,800.
GIS eligibility depends on:
- Household income
- Whether you are single, married, or in a common-law partnership
- Whether your partner also receives OAS/GIS
Applications for GIS can be made alongside OAS applications.
Why the August 2025 Increase Matters
Even though the OAS boost in August 2025 may appear modest, it reflects ongoing government efforts to protect seniors against inflation. For many retirees, even a small monthly increase can help with:
- Covering grocery bills
- Managing housing costs
- Paying for prescription medications
- Keeping up with utility bills
This security is especially important for seniors living on fixed incomes.
FAQs – OAS August 2025 Update
1. How much will seniors receive in August 2025?
Seniors aged 65–74 will receive up to $734.95, while those 75 and older will get up to $808.45. Low-income seniors with GIS may receive $1,800+ monthly.
2. When is the OAS payment date for August 2025?
The payment will be issued on Tuesday, August 27, 2025.
3. Do I need to reapply to get the August increase?
No. The increase is automatic for all eligible seniors.
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4. Will high-income seniors still receive OAS?
Yes, but if income exceeds the clawback threshold ($148,541 for 65–74, $154,196 for 75+), OAS will be reduced.
5. Can I increase my OAS amount by delaying?
Yes. If you delay claiming OAS until age 70, your payments can increase by up to 36%.
