The Canada Revenue Agency (CRA) has confirmed that the Old Age Security (OAS) payment for October 2025 will be $814 for eligible seniors. This increase comes as part of the government’s regular quarterly adjustment, which reflects rising inflation and cost-of-living pressures faced by retirees.
Here’s everything you need to know about the $814 OAS payment, including eligibility, deposit dates, and how much seniors can expect to receive.
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What is the Old Age Security (OAS) Pension?
The Old Age Security (OAS) is a monthly benefit provided by the Government of Canada to seniors aged 65 and older who meet specific residency requirements. Unlike the Canada Pension Plan (CPP), OAS is not based on work history or contributions, but rather on the number of years an individual has lived in Canada after turning 18.
The OAS program helps provide financial stability to retirees, especially those relying solely on fixed incomes amid rising living expenses.
Why the $814 OAS Payment in October 2025?
The $814 payment represents the new maximum monthly OAS amount for October 2025. This increase follows the government’s policy of indexing OAS benefits to the Consumer Price Index (CPI) every quarter to ensure seniors maintain their purchasing power despite inflation.
The adjustment for October 2025 is driven by higher costs for essentials such as food, housing, and energy, which have significantly affected low- and middle-income seniors.
OAS Payment Dates for October 2025
The CRA has scheduled the next OAS deposit for Friday, October 25, 2025. Payments are typically made on the same day as Canada Pension Plan (CPP) benefits.
Here’s the schedule for the upcoming OAS payments:
- October 25, 2025
- November 27, 2025
- December 22, 2025
Seniors who receive direct deposits will see the funds automatically credited to their bank accounts on these dates.
Eligibility for the $814 OAS Payment
To qualify for the OAS pension, individuals must meet the following requirements:
- Age Requirement: Must be 65 years or older.
- Legal Status: Must be a Canadian citizen or legal resident.
- Residency Requirement: Must have lived in Canada for at least 10 years since the age of 18.
- Application: Seniors must apply for OAS (it’s not always automatic).
Those who have lived in Canada for 40 years or more after age 18 are eligible for the full OAS amount ($814).
Partial OAS Payments
Seniors who have not lived in Canada for the full 40 years may still qualify for a partial OAS pension. The amount is calculated at 1/40th of the full pension for each year of residence in Canada after age 18.
For example:
- 20 years of Canadian residence = 20/40 × $814 = $407 per month.
OAS Increase for Seniors 75 and Older
Since July 2022, seniors aged 75 and above have received an automatic 10% increase in their OAS benefits. Therefore, those in this age group will see their October 2025 OAS payment rise to around $895 per month.
This policy ensures older seniors—who are often more financially vulnerable—receive added support.
How OAS Indexation Works
OAS benefits are adjusted quarterly (January, April, July, October) based on the Consumer Price Index (CPI). If inflation rises, OAS payments increase; if inflation falls, OAS rates remain the same—they never decrease.
This ensures seniors continue to maintain financial stability even during periods of high inflation.
How to Check or Update Your OAS Status
Seniors can easily check their payment details, eligibility, and updates through:
- My Service Canada Account (MSCA): www.canada.ca/my-service-canada-account
- Direct Deposit: Ensure your banking information is up-to-date to receive timely payments.
- Service Canada Offices: Visit a local office or call 1-800-277-9914 for assistance.
The $814 OAS payment confirmed for October 2025 is a welcome boost for millions of Canadian seniors coping with rising costs. With inflation-linked increases and added support for those aged 75 and older, the OAS remains a vital financial safety net for retirees.
If you’re approaching age 65 or haven’t yet applied, now is the perfect time to check your eligibility and ensure your information is updated with Service Canada.