OAS Boost 2025: Seniors 75+ Now Getting Up to $808.45 Monthly

OAS Boost 2025: In 2025, the Old Age Security (OAS) program will make a big change that will help Canada’s seniors: payments for people aged 75 and up will go up to $808.45 per month. This increase, which will start in July 2025, shows that the federal government is serious about protecting older Canadians from inflation and rising living costs.

OAS is a main source of retirement income for millions of adults because it provides stable, government-backed support. Let’s talk about how OAS works, why payments are going up, who is eligible, and how the changes this year will affect seniors.

Why the OAS Is Going Up in 2025

The Canadian government changes OAS every three months to match changes in the inflation-tracking Consumer Price Index (CPI). Payments never go down, even if prices go down. They go up when the cost of living goes up.

From July to September 2025, OAS payouts will go up by 1%, which is in line with a small rise in inflation. Based on figures from May to July 2025, there will be another change in October.

Margaret, a widow in Ontario who is 78 years old, gets the full OAS pension. In early 2025, her monthly payment was $800.44. In July, it went up to $808.45. Even though the raise is small, it helps her pay her rising energy and grocery bills.

Information on How to Pay OAS in 2025

Maximum Monthly OAS Amounts

• Ages 65 to 74: $734.95 to $804.44 (based on quarterly adjustments)
• Ages 75 and older: $808.45

The $808.45 amount also includes a permanent 10% raise that went into effect in July 2022 for seniors 75 and older. This is because costs go up as you get older and retire.

Keep in mind that not everyone gets the most. How much you get paid is based on how long you’ve lived in Canada after turning 18.

Limits on Income

OAS is based on your income. In 2025:

• Seniors aged 75 and up start losing OAS if they make more than $154,196 a year.
• After this point, OAS is fully taken away through the OAS clawback — a recovery tax where 15 cents of every dollar earned above the threshold reduces the benefit.

Robert, a 76-year-old former business owner, makes $160,000 a year. His OAS is cut to zero because his income is higher than the clawback limit.

How to Figure Out Payments and Increases

In order to get OAS:

• You must have lived in Canada for at least 10 years after turning 18 to receive partial benefits.
• You must have lived in Canada for at least 40 years after age 18 to qualify for the full OAS amount.

Every January, April, July, and October, changes are made based on changes in the CPI.

Elena went to Canada when she was 30 years old and has lived there ever since. She does not get the full $808.45 from OAS. Instead, she gets a payment based on how many years she has lived in the country.

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When the OAS Will Pay Out in 2025

Payments are usually made at the end of each month, and they are generally sent through direct deposit. Seniors who are getting checks may have to wait a few extra days.

Payments are issued on the last business day of the month and may shift slightly due to holidays.

Who Can Get the OAS Boost?

In order to get the extra OAS payments:

• Age: At least 75 years old
• Residency: Must have lived in Canada for at least 10 years after turning 18 (or 20 years if living outside Canada)
• Citizenship/Status: Must be a Canadian citizen or legal resident at the time of approval
• Income: Must earn less than $154,196 a year (2025 cutoff) to receive the full benefit

For example, when Jean turned 75 in August 2025, her OAS went up automatically to $808.45. And because she doesn’t make too much money and has lived in Canada her whole adult life, she is eligible for the full amount.

How to Get Your OAS and Take Care of It

Automatic Enrollment: A lot of seniors are registered without having to do anything. Service Canada uses tax records to identify those who may qualify and sends them information by mail.

Manual Application: If not automatically enrolled, applicants must apply by submitting a form or using their My Service Canada Account online.

Deferral Option: After turning 65, seniors can wait up to 5 years before getting OAS. Future payments go up by 0.6% per month, for a maximum increase of 36% if deferred for the full five years.

Direct Deposit: The safest and most reliable way to get paid on time. Seniors are encouraged to sign up for direct deposit through their online account.

Updating Records: Seniors should let Service Canada know about any changes to their banking information, address, marital status, or income to avoid delays or errors.

Guaranteed Income Supplement (GIS) – An Extra Help

The GIS gives low-income seniors extra money on top of their OAS. Seniors aged 75 and up who get full OAS and GIS can get over $1,900 a month from the government pension.

Doris is 77 years old and only has a small amount of money saved. With the full $808.45 in OAS and the highest amount of GIS, her monthly pension income is over $1,900, which is enough to pay for housing, food, and other necessities.

GIS amounts are adjusted quarterly and depend on income and marital status, making it a flexible and crucial support for vulnerable seniors.

Main Points

• People aged 75 and up can now get up to $808.45 a month in OAS.
• Payments are safe from inflation — they never go down, only up or stay the same.
• Eligibility depends on age, residency, citizenship, and income.
• Adjustments happen every three months based on CPI data.
• The GIS gives low-income seniors extra help, greatly increasing their total retirement income.

FAQs

1. How much will people aged 75 and up get in 2025?
Up to $808.45 a month.

2. Will people aged 65 to 74 get the same amount?
No, they’ll get somewhere between $734.95 and $804.44, depending on the quarterly adjustment.

3. Does the OAS ever stop giving money?
Payments don’t decrease — they either stay the same or go up due to inflation.

4. In 2025, what kind of income lowers OAS payments?
Once your yearly income goes over $154,196, your payments will be reduced through the OAS clawback.

5. Can seniors who live outside of Canada qualify?
Yes, if they lived in Canada for 20 years or more after turning 18.