The Old Age Security (OAS) program is one of Canada’s cornerstone retirement benefits, designed to support senior citizens—especially those with low incomes—by providing monthly financial assistance after the age of 65. With new updates coming in October 2025, it’s essential for current and future beneficiaries to understand eligibility, payment amounts, and how to apply.
Let’s break down everything you need to know about the $808 OAS payments, upcoming changes, and how the Canada Revenue Agency (CRA) calculates these benefits.
Table of Contents
What Is the Old Age Security (OAS) Program?
The Old Age Security (OAS) program is a federal initiative managed by the Canada Revenue Agency. It offers monthly payments to Canadians over the age of 65, regardless of work history, with higher payouts for seniors over the age of 75.
Key Purpose of OAS
- Provide basic income support to retired Canadian seniors.
- Help low-income seniors manage the cost of living.
- Adjust payments quarterly to account for inflation through Cost of Living Adjustments (COLA).
October 2025 OAS Payment: What’s New?
As of October 2025, OAS payments will be adjusted again under the regular quarterly review aligned with the Consumer Price Index (CPI).
Updated OAS Payment Amounts
- Seniors aged 65 to 74: $734.95 per month (if annual income is up to $148,451)
- Seniors aged 75 and older: $808.45 per month (if annual income is under $154,196)
These amounts remain in place until September 2025, after which CRA will release any new increases for October.
OAS Eligibility Criteria for 2025
To qualify for OAS benefits, individuals must meet strict requirements related to age, residency, and income.
Who Can Apply?
- Must be a legal resident or citizen of Canada.
- Must be 65 years or older at the time of payment.
- Applicants can apply as early as age 64 to avoid delays.
- Must have lived in Canada for at least 10 years after turning 18.
- For those currently living outside of Canada, they must have resided in Canada for at least 20 years after age 18.
Income Limits for Full Benefits
- Ages 65–74: Annual income must be less than $148,451.
- Ages 75+: Annual income must be below $154,196.
Note: Income above these thresholds could reduce or eliminate your eligibility.
Changes to CPP 2.0 in October 2025 Updated Amounts and Payment Schedule
How to Apply for OAS Benefits in Canada
Applying for OAS is a straightforward process through your My Service Canada Account.
Step-by-Step Application Process
- Check your eligibility: Use the CRA’s online tools or pension calculator.
- Gather your documents: Proof of age, residence, and income.
- Log in to your My Service Canada Account.
- Find the OAS application form, complete it accurately, and upload required documents.
- Submit the application for CRA review and approval.
Why OAS Payments Are Adjusted Quarterly
The OAS benefit amounts are updated four times a year (January, April, July, and October) to reflect changes in the cost of living.
What Drives the Increases?
- Adjustments are based on the Consumer Price Index (CPI).
- If inflation rises, the CRA increases the payment to maintain the purchasing power of seniors.
- The next review will take place in October 2025, and updates will be posted on the official CRA website.
Important Reminders for Seniors Receiving OAS
- Stay informed through the CRA’s official website. Avoid relying solely on third-party news sources.
- Use the CRA pension calculator to estimate your monthly benefit.
- The most current figures and updates are always available directly
Summary: What to Know About the $808 OAS Payment in October 2025
| Details | Information |
|---|---|
| Program Name | Old Age Security (OAS) |
| Managing Authority | Canada Revenue Agency |
| Monthly Amount (Age 65–74) | $734.95 |
| Monthly Amount (75+) | $808.45 |
| Eligibility | 65+, low-income, legal Canadian residents |
| Next Payment Increase | October 2025 (adjusted for inflation) |
| Application Method | Online via My Service Canada Account |
| Official Website |
Final Thoughts
The Old Age Security program continues to be a crucial financial lifeline for Canadian seniors. With the latest $808 OAS payments set for October 2025, it’s important to confirm your eligibility, apply on time, and stay updated on any changes directly through the CRA.