Millions of Canadian seniors are set to receive a significant financial lift as the Canada Revenue Agency (CRA) and Employment and Social Development Canada (ESDC) officially confirm a new Old Age Security (OAS) maximum monthly payment of $808.44 for eligible individuals aged 75 and older, starting in July 2025.
This increase reflects ongoing inflation adjustments and the government’s 10% permanent OAS enhancement for older seniors — a measure introduced to help protect retirees facing rising living costs and health-related expenses.
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What is the New $808.44 OAS Payment?
The Old Age Security pension is a monthly, taxable benefit paid to seniors who are 65 or older and meet specific residency requirements in Canada. As of July 2025, the maximum monthly OAS benefit will be:
- $808.44 for seniors aged 75 and over
- $734.95 for seniors aged 65 to 74
The $808.44 amount marks an increase from $817.14 in Q2 2025, adjusted to reflect changes in the Consumer Price Index (CPI) as part of Canada’s commitment to quarterly inflation indexing of OAS payments.
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When is the $808.44 OAS Payment Issued?
The new payment rates will take effect with the July 2025 OAS payment, scheduled for deposit on July 29, 2025.
Here are the remaining OAS payment dates for 2025:
- July 29
- August 28
- September 25
- October 29
- November 27
- December 20
These payments are automatic for eligible seniors — no additional application or action is needed if you already receive OAS.
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Who is Eligible for the $808.44 OAS Payment?
To receive the maximum $808.44 OAS monthly payment, you must:
- Be 75 years of age or older
- Be a Canadian citizen or legal resident
- Have resided in Canada for at least 40 years after age 18 to qualify for the full amount
- Have net annual income below the OAS clawback threshold
If you’ve lived in Canada less than 40 years, your OAS payment may be prorated based on your years of residence.
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OAS Clawback and Income Limits
The OAS recovery tax (clawback) begins if your net annual income exceeds $93,454 (for the 2024 tax year). You will repay 15 cents of every dollar earned above this threshold.
OAS payments are fully clawed back once your income reaches approximately $151,668.
What About GIS (Guaranteed Income Supplement)?
Low-income seniors receiving OAS may also qualify for the Guaranteed Income Supplement (GIS), which is non-taxable and indexed quarterly.
As of July 2025, the maximum monthly GIS payment is:
- $1,097.01 for single seniors
- $636.26 each for couples (both receiving OAS)
- $1,097 for one spouse (if only one receives OAS)
Combined, a single low-income senior could now receive up to $1,865.45 per month in OAS and GIS.
How to Receive the Payment
If you’re already receiving OAS, the increase will apply automatically. If you are turning 65 or 75 this year, the government may automatically enroll you — otherwise, you can apply online through My Service Canada Account or submit a paper application.
To ensure you receive the correct amount:
- File your tax return on time each year
- Keep your banking and contact information updated
- Monitor your My CRA and My Service Canada accounts for notices
Summary of Key Details
| Detail | Information |
|---|---|
| New OAS Max (75+) | $808.44/month |
| OAS Max (65–74) | $734.95/month |
| Effective Date | July 29, 2025 |
| GIS Available? | Yes — up to $1,057.01/month |
| OAS Clawback Starts | Income over $93,454 |
| Application Required? | No, if already enrolled |
| Taxable? | Yes |
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Final Word
The $808.44 OAS payment increase in July 2025 is a timely and meaningful step toward supporting Canadian seniors during an era of high inflation, elevated rent, and growing healthcare costs. Whether you’re currently retired or approaching eligibility, understanding these updated rates and eligibility rules can help you better plan your monthly budget and retirement income.
If you’re turning 75 this year or have questions about your benefits, check your Service Canada account or contact the OAS program directly to ensure you’re receiving your full entitlements.