OAS Payment Dates 2025 in Canada and its Eligibility

Old Age Security is one of the essential financial support to the senior citizens of Canada. It is a part of Canada FPT payments. The Canada Revenue Agency has officially announced the OAS payment dates for 2025. In 2025, the Old Age Security payments are normally made on the third to last working days of every month. Below is the in-depth guidance about the payment schedule, OAS application, eligibility, and payment methods.

OAS Payment Dates

The Canada Revenue Agency has officially launched the payment dates for 2025. Keep an eye on the payment schedule and stay tuned for your next payment. THE OAS payment calendar is as follows.

Payment Name	Payment Date
First Payment (January)	January 29, 2025
Second Payment (February)	February 26, 2025
Third Payment (March)	March 27, 2025
Fourth Payment (April)	April 28, 2025
Fifth Payment (May)	May 28, 2025
Sixth Payment (June)	June 26, 2025
Seventh Payment (July)	July 29, 2025
Eighth Payment (August)	August 27, 2025
Ninth Payment (September)	September 25, 2025
Tenth Payment (October)	October 29, 2025
Eleventh Payment (November)	November 26, 2025
Twelfth Payment (December)	December 22, 2025

Keep track of these OAS payment dates to ensure you receive your benefits on time throughout 2025.

OAS Payment Amount

The OAS payment amount depends upon various factors. However, here is detailed information about how much you can get via OAS.

Benefit Type	Maximum Monthly Payment
OAS (Age 65–74)	$727.67
OAS (Age 75 and Over)	$800.44

A bar chart comparing maximum monthly OAS payments. Age 65-74 $727.67, Age 75 and over $800.44

Review these OAS payment amounts to understand what you may be eligible for based on your age and circumstances.

Guaranteed Income Supplement (GIS)

Here’s a quick look at the Guaranteed Income Supplement (GIS) amounts and income limits for different recipient types.

Recipient Type	Maximum Monthly GIS
Single, Widowed, or Divorced	$1,086.88
Married/Common-Law (Spouse Gets OAS)	$654.23
Married/Common-Law (Spouse Gets Allowance)	$654.23
Married/Common-Law (Spouse Doesn’t Get OAS/Allowance)	$1,086.88

Check where you qualify to ensure you’re receiving the right GIS support in 2025.

Allowance for the Survivor

Here’s an overview of the Allowance for the Survivor benefits, including maximum payments and income eligibility.

Benefit Type	Maximum Monthly Payment	Income Threshold
Allowance (Spouse Gets GIS)	$1,381.90	Combined Income Below $40,800
Allowance for the Survivor	$1,647.34	Below $29,712

The payment amount can also be calculated using the OAS payment calculator. It is an easy way to calculate the increase or decrease in the payment amount.

Allowance and Allowance for the Survivor Payment Amount

Increase in Payment

Complete guidance about the OAS payment increase is provided below.

1. Next Adjustment (January to March 2025)

There is no payment increase in the first quarter of 2025. However, there is a rise in the payment as compared to January 2024.

2. Quarterly Adjustments:

The adjustments in the payments are made on the Quarterly. The payments are reviewed in April, July, and October of every year.
There will be an increase in the payment if the cost of things increases.
There will be no changes in payment if the CPI drops

3. Permanent Increase for Seniors Aged 75+:

Since July 2022, seniors aged 75 and older receive a 10% higher OAS payment compared to those aged 65–74.

The adjustments show that keep according to the inflation and provide financial help to the senior citizens.

Also Read Related Article OAS Clawback 2025

OAS Payment Methods

These two methods can be used to get the OAS payment amount. The details for both methods are provided below.

1. Direct Deposit Method

Old Age Security (OAS) direct deposit is a method through which the payment is received directly into a bank account. It is a fast, secure, and reliable method of payment deposit.

2. OAS Cheque Payment

You can also receive your payment through cheque. The cheque is mailed on the payment date. However, it takes some time to arrive.

TIP: It is better to receive your payment using a direct deposit method. It is because direct deposit is faster, more secure, and more convenient than receiving payments by cheque.

Old Age Security Apply

Before you apply, check if you need to apply or not. Here is how you can check.

1. Check if You Need to Apply

In most cases, the eligible individuals automatically receive the letter and ask to apply.
In the case of a letter with the wrong details, you will have to apply for OAS.
If you do not get a letter after the age of 65, then you need to apply.

2. Apply Online

Applying for old age security pay includes a few simple steps. The step-by-step guidance to apply for OAS is provided below.

Navigate to the section for Old Age Security and select “Apply.”

Fill out the application form with the required details.

Once you have filled out the application form, crosscheck it to ensure accuracy.
Click “Submit” to send your application to Service Canada.
You will receive a confirmation message once your application is submitted successfully.

Once the application is submitted, wait for the response. Aspect a response from the Canada Service Center within 7 to 14 working days.

Note: You can not save your application in the draft. Try to complete the application within one session.
The session automatically expires within 20 minutes of inactivity. Therefore, keep your mouse active while filling out the application form.

3. Apply Via Mail

Here is how you can apply via mail.

Download the Application for Old Age Security Pension (ISP-3550) from the official Service Canada website. You can also request a paper copy by contacting Service Canada or visiting a local office.
Fill out the application form with accurate information including Social Insurance Number, Your date of birth, marital status, and Your residency history since age 18.
If you want payments deposited into your bank account, include your banking details or attach a void cheque.
Attach the certified copies of the required documents.
Check the application form and attached documents to ensure the accuracy.
Now mail your application form with the required documents to the local Service Canada office.
If you are living outside of Canada send it to the Service Canada office in the province where you last resided.

After the submission of the application, wait for the response. You will get a response within 120 working days.

Tips: It is better to apply online for OAS due to faster processing, instant confirmation, convenience, security and reliability.
However, you can consider applying by mail if you are outside Canada and can not fullfill the online application requirements.

Track Application Status

Here’s how you can easily track the status of your Old Age Security application, whether online or offline.

Application Method	How to Track
Online	Log in to My Service Canada Account and check the “Old Age Security” section.
Offline (By Mail)	Call Service Canada at 1-800-277-9914 and provide your SIN and personal details.

Flowchart for accessing Old Age Security information through My Service Canada Account, reviewing details, calling Service Canada, and verifying identity by phone.

Use these methods to stay updated on your OAS application and ensure a smooth process.

Eligibility For OAS

The eligibility of Old Age security depends on the following factors.

1. General Eligibility

You must be 65 years or older to qualify For OAS. Your employment history does not affect your eligibility. This means you can still qualify even if you have never worked or if you are still working.

2. If You Live in Canada

You must:

Be a Canadian citizen or legal resident when your OAS application is approved.
Have lived in Canada for at least 10 years since turning 18.

3. If You Live Outside Canada

You must:

Be a Canadian citizen or legal resident on the day before leaving Canada.
Have lived in Canada for at least 20 years since turning 18.

4. Canadians Working Abroad

If you worked outside Canada for a Canadian employer, time abroad counts as Canadian residency. This is valid if you came back to Canada within 6 months after ended your job or reached 65 while still working overseas and kept residency.

You’ll need to provide proof of employment from your employer and proof of returning to Canada, unless you turned 65 while working abroad.

5. Social Security Agreements

If you don’t meet residency requirements, you still qualify if you lived or worked in a country that has a social security agreement with Canada or contributed to that country’s system.

For Example : If you worked in Ireland and paid into their pension system, those payments help you qualify for Canadian pensions through Canada’s social security agreement with Ireland.

What Happens If Your Payment Is Late?

If you do not get your payment on the expected time, you will have to take the following precautions.

Wait five working days after the payment date.
Check and make sure that your banking and mailing information is accurate and upto date.
Reach out to the Service Center Canada directly and report the late payment

OAS Phone Number

The OAS phone numbers are given below. You can use these numbers to contact the Old Age Security Team.

Canada and USA toll free number: 1-800-277-9914
Outside canada and USA: 1-613-957-1954
TTY Number : 1-800-255-4786

FAQs

Payments are made earlier if the scheduled date falls on a weekend or holiday.

You can track your payment through: 1. Calling Service Canada at 1-800-277-9914. 2. Through My Service Canada Account

If your payment is late, wait for five working days. If the payment is not received after it, contact the Canada Service Center.

Yes! You can defer receiving OAS up to age 70 to increase your monthly payment by up to 36%.

Conclusion

OAS Payments are an essential source of income for senior citizens in Canada.. Therefore, it is important to know the OAS payment dates to plan the finances and expenses.
You have two methods to receive the OAS payments that includes direct deposit and OAS cheque. If your payment are delayed, you can contact with Canada Service center for the help. You can also reach out the Service center for any kind of assistance.