Millions of Canadian seniors will receive an increased Old Age Security (OAS) payment starting in July 2025, with the maximum monthly amount confirmed at $808.44. This updated amount reflects annual inflation adjustments made by the Government of Canada to ensure seniors’ purchasing power keeps pace with rising living costs.
Here’s everything you need to know about the $808.44 OAS payment July 2025, including the payment date, eligibility criteria, and what other seniors may receive based on their age group and income level.
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OAS Payment Date – July 2025
The next OAS payment is scheduled for:
Friday, July 26, 2025
Payments are made monthly, either via direct deposit or cheque (though direct deposit is strongly encouraged to avoid delays).
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OAS Payment Amount – July 2025
As of July 2025, the maximum monthly OAS amount is:
| Age Group | Monthly OAS Amount (July 2025- Sept 2025) |
|---|---|
| Age 65 to 74 | $734.95 |
| Age 75 and older | $808.44 |
This increase applies automatically for those already receiving OAS. Seniors aged 75+ receive a 10% permanent increase over those aged 65–74, a policy introduced in 2022 to help older Canadians with their increased expenses.
Who is Eligible for the OAS Payment?
To qualify for the OAS payment in July 2025, you must meet these conditions:
- Be 65 years of age or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years since age 18
- Must have applied for OAS (it is not automatic unless enrolled in Service Canada’s automatic enrollment)
Income-Dependent Benefits: OAS and GIS
OAS is not income-tested, but your income affects eligibility for the Guaranteed Income Supplement (GIS), which is a tax-free monthly benefit for low-income seniors receiving OAS.
As of July 2025:
- GIS for single seniors: Up to $1,086.88/month
- GIS for couples: Varies by combined income
Note: High-income seniors may face a clawback on OAS through the OAS Recovery Tax, which begins when net annual income exceeds $93,454 (2025 threshold, subject to indexing).
Why Did OAS Payments Increase in July 2025?
The OAS is reviewed quarterly and adjusted every July, October, January, and April based on changes in the Consumer Price Index (CPI).
There is 1% increase of OAS payments from July 2025 to Sept 2025.
The July 2025 OAS increase ensures that payments reflect the real cost of living. The $808.44 OAS payment for seniors 75+ incorporates:
- The ongoing 10% increase for 75+
- Regular CPI-based indexation
- No application needed — updates are automatic
How to Apply for OAS
If you’re nearing age 65, you can:
- Apply online via your My Service Canada Account
- Or complete and mail the Application for the Old Age Security Pension (ISP-3000)
You can apply up to 11 months before your 65th birthday. If you’re already enrolled, payments will continue automatically.
Summary of OAS Payments – July 2025
| Category | Amount |
|---|---|
| Payment Date | July 26, 2025 |
| OAS (Age 65–74) | $734.95/month |
| OAS (Age 75+) | $808.44/month |
| GIS (Single, max) | $1,086.88/month |
| Recovery Tax Threshold (2025) | $93,454/year |
Final Thoughts
The $808.44 OAS payment July 2025 reflects the Canadian government’s commitment to protecting the financial well-being of seniors. With inflationary pressures still impacting household budgets, this indexed increase—along with programs like GIS, CPP, and provincial supplements—helps older Canadians maintain stability in retirement.
If you’re eligible, be sure your information is current with Service Canada to avoid payment delays. And if you’re turning 65 soon, apply early to ensure timely access to this vital federal benefit.
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