Old Age Security remains a major income support program for Canadian seniors, and adjustments are made every three months, depending on the rate of inflation. For October through December 2025, OAS payments are to be updated once again, with the Government of Canada confirming an increase of 0.7% over that of the previous quarter. The adjustment is tied directly to the Consumer Price Index, so that the beneficiaries retain their purchasing power with any increases in the cost of living.
Current Rates Of OAS Before The Increase
Currently, the OAS has the maximum payments for people in the range of 65 to 74 at $734.95, while OAS gives $808.45 to persons aged 75 and above. For the months of July through September 2025, these are the amounts applied when a qualifying individual meets the criteria such as income limits and residence requirements. Half or all of the benefit could be clawed back for the seniors who earn more than $148,451 if under 75 and $154,196 for those 75 and above. October’s adjustment will bring about small increases in payments; however, they will definitely not be of huge proportions. Therefore, the number $814.09 that actually circulates in the reports does not seem to have been indicated by the government publications.
Eligibility Under The OAS
Various factors go into qualifying for an OAS pension. The applicant must be at least 65 years of age. Partial pension one must have resided in Canada for at least 10 years since the age of 18. For a full pension, the individual must have resided in Canada for at least 40 years after turning 18 years of age. If a senior has resided in Canada for fewer years, they could still be eligible for payments; however, such payments will correspondingly be on the lower side. Otherwise, a senior can choose to postpone their OAS payments until the age of 70, thus earning positive indexation on their monthly benefits.
Increase In October 2025 And Its Consequences
An increase in October 2025 will present some relief for seniors who are otherwise grappling with higher living costs. Even the smallest increase goes a long way in keeping OAS relevant-to-individual and continuing to assist with everyday expenses such as groceries, rent, and medical treatment. While unsourced claims of an $814.09 monthly OAS payment in October have been circulating around the internet, the 0.7% increase that has been officially sanctioned means seniors are going to be seeing slightly heftier deposits in their bank accounts come this November.
Also Read: Canada Minimum Wage Hike 2025: New $17.65/Hr Rate And Province-Wise Chart
