Old Age Security Pension 2025: Amounts, Eligibility, and Payment Schedule

The Old Age Security (OAS) Pension is a vital program for Canadian seniors, providing monthly financial support to maintain quality of life after retirement. In 2025, understanding the amounts and eligibility criteria remains essential to make the most of your benefits. Learn how the OAS, Guaranteed Income Supplement (GIS), and Allowance work, and how to access them.

Old Age Security (OAS) Pension Amounts

The maximum monthly OAS pension amounts for 2025 are determined based on your age and annual net income.

• If you are between 65 and 74 years old, you could receive up to $727.67 per month, provided your annual net income is less than $148,451.
• For individuals aged 75 and older, the maximum amount increases to $800.44 per month, if your net income is below $154,196.

You can estimate your personal benefits directly using the calculator available on the government website.

Guaranteed Income Supplement (GIS)

The Guaranteed Income Supplement (GIS) provides additional benefits for low-income Canadians. Maximum amounts depend on your family situation:

• If you are single, widowed, or divorced, you could receive up to $1,086.88 per month, if your annual net income is less than $22,056.
• If you have a spouse or common-law partner who also receives OAS, the maximum amount is $654.23 per month, and your combined annual income must be below $29,136.
• If your spouse receives the allowance or does not receive OAS, the maximum remains at $1,086.88 per month, provided your combined income is less than $52,848.

For more details, visit the official Guaranteed Income Supplement (GIS) section.

Allowance (Ages 60 to 64)

Spouses or common-law partners of OAS and GIS recipients may be eligible for the allowance, intended for individuals aged 60 to 64 years.

• If your combined income is below $40,800, you could receive up to $1,381.90 per month.
• In the event of the death of your spouse, you may be eligible for the Survivor's Allowance. If your annual income is below $29,712, the maximum monthly amount is $1,647.34.

Eligibility Requirements

To receive OAS benefits, you must meet the following criteria:

• Age: Be 65 years or older.
• Residency: Have lived in Canada for at least 10 years after the age of 18. To receive the full amount, you must have resided in Canada for 40 years after turning 18.
• Status: Be a Canadian citizen or permanent resident at the time of application.

For Canadians living abroad, you can still qualify for OAS if you lived in Canada for at least 20 years after the age of 18.

How to Apply for OAS

When to Apply?

You can submit your application 11 months before your 65th birthday. If you don’t apply, Service Canada may automatically enroll you, but it’s always better to verify.

Ways to Apply:

• Online via My Service Canada Account.
• By mail by downloading and completing the application form.
• In person at a Service Canada Centre.

Required Documents:

• Proof of identity (e.g., passport, driver’s license).
• Documents proving residency, if applicable.

Old Age Security Pension Payment Schedule for 2025

OAS pension payments are issued once a month. Below are the payment dates for 2025:

• January 29, 2025
• February 26, 2025
• March 27, 2025
• April 28, 2025
• May 28, 2025
• June 26, 2025
• July 29, 2025
• August 27, 2025
• September 25, 2025
• October 29, 2025
• November 26, 2025
• December 22, 2025

Make sure your banking or mailing information is up to date with Service Canada to avoid any delays in receiving your payment. Payments are usually made via direct deposit, but you may also receive a cheque if you have selected this option.