For many Canadian seniors, Old Age Security (OAS) remains a critical source of monthly income—helping cover essentials such as housing, food, and transport.
In August 2025, the federal government implemented a modest cost-of-living increase: seniors aged 75 and older will now receive a maximum of $808.45, reflecting a 1 % quarterly adjustment.
Here’s everything you need to know—from eligibility criteria and payment dates to clawback thresholds, GIS top‑ups, and more.
What’s New This August 2025?
OAS benefits are adjusted quarterly based on the Consumer Price Index (CPI). For July to September 2025, Canada’s Old Age Security rose by 1 %, marking a 2.3 % increase over the past year. As a result, maximum monthly rates for August are:
| Age Group | Maximum Monthly OAS (August 2025) |
|---|---|
| 65 to 74 | $734.95 |
| 75 and older | $808.45 |
| With GIS (est.) | Up to $1,800+ |
Payment Date
The August Old Age Security payment is scheduled for Wednesday, August 27, 2025. Seniors enrolled in direct deposit receive funds that day; those receiving cheques may experience slight mail delays
Eligibility Criteria
To qualify for OAS, you must:
- Be 65 years or older
- Be a Canadian citizen or legal resident when your application is approved
- Have lived in Canada for at least 10 years after age 18 (or 20 years, if living outside Canada)
Service Canada often automatically enrolls eligible recipients; otherwise, applications can be submitted online, by mail, or in person.
OAS Clawback (Recovery Tax) Thresholds 2025
High-income seniors may face a reduction in OAS via the OAS Recovery Tax (clawback). For 2025:
- Age 65–74: Over $148,541 in annual net income
- Age 75+: Over $154,196 in annual net income
Guaranteed Income Supplement (GIS) Boost
Low-income seniors may also qualify for the Guaranteed Income Supplement (GIS), a non‑taxable top-up. Combined with Old Age Security, monthly support can exceed $1,800, depending on household income and marital status.
To remain eligible, filing a tax return annually is required.
Is OAS Taxable?
Yes, Old Age Security is taxable income in Canada. By default, no tax is withheld upon payment—but you can request voluntary tax deductions via your My Service Canada Account or by submitting the appropriate federal form
Remaining OAS Dates in 2025
After August, here are the remaining scheduled Old Age Security payment dates:
| Month | Payment Date |
|---|---|
| September | September 25, 2025 |
| October | October 29, 2025 |
| November | November 26, 2025 |
| December | December 22, 2025 |
The August 2025 increase to $808.45 for seniors aged 75 and over reflects Canada’s commitment to preserving the purchasing power of retirees amid ongoing inflation.
Seniors should ensure their enrolment status is current, monitor payment dates, and assess eligibility for additional support like GIS.
For those concerned about taxation, voluntary withholding is a smart way to manage year-end liabilities. Stay informed—and make the most of your retirement benefits.
FAQs
What is the OAS amount for seniors 75+ in August 2025?
$808.45 per month for those aged 75 and older
When will the August 2025 OAS be paid?
August 27, 2025—via direct deposit same day; cheques may take longer
Does high income affect OAS eligibility?
Yes—if your net income exceeds $148,541 (65–74) or $154,196 (75+), you may face a partial or full Old Age Security clawback