As inflation continues to challenge household budgets across Canada, retired and low-income seniors are receiving some much-needed financial assurance. The Canada Revenue Agency (CRA) has officially confirmed that eligible Old Age Security (OAS) recipients aged 75 and older will receive a monthly pension of \$808.45 starting July 29, 2025.
This quarterly increase aligns with the federal government’s strategy to adjust senior benefits in response to the Consumer Price Index (CPI). At a time when utility bills, healthcare, transportation, and food prices are all climbing, this revision signals a stronger commitment to safeguarding retirement security in Canada.
New OAS Payment Amounts for July to September 2025
Effective from July through September 2025, seniors will receive increased OAS payments based on their age group:
| Age Group | 2024 Income Threshold | Previous Payment | New Payment (Jul–Sep 2025) |
|---|---|---|---|
| 65 – 74 years | \$148,451 | \$727.67 | \$734.95 |
| 75 years and over | \$154,196 | \$800.44 | \$808.45 |
The payment increase is automatically applied to eligible recipients. There’s no need to reapply if your Service Canada profile is current and your most recent tax return has been filed.
Who Qualifies for the \$808 CRA OAS Payment?
Not all seniors will receive the full \$808.45. To qualify for the maximum amount, the following conditions must be met:
- Must be 75 years of age or older as of July 2025
- Must have an annual net income below \$154,196 for the 2024 tax year
- Must be a Canadian citizen or permanent resident
- Must have resided in Canada for at least 10 years since turning 18
- Must be already receiving Old Age Security benefits
Those aged 65 to 74 with income below the applicable threshold will receive the slightly lower \$734.95 monthly payment.
This support is part of the Canadian government’s broader promise to ensure seniors live with dignity, stability, and financial independence during retirement.
OAS, CPP, and GIS: The Trio of Canada’s Senior Support System
The OAS benefit is one part of a three-part public pension framework, including:
- Canada Pension Plan (CPP): Contribution-based payments from working years
- Old Age Security (OAS): Residency-based, universally available after age 65
- Guaranteed Income Supplement (GIS): Additional, non-taxable support for low-income OAS recipients
Together, these programs provide a foundation of retirement income for millions of Canadian seniors.
Why This OAS Payment Boost Matters in 2025
Rising costs of essentials—particularly housing, groceries, and prescription drugs—have disproportionately impacted seniors, many of whom live on fixed incomes. A growing number of older Canadians are being forced to:
- Downsize or relocate to more affordable areas
- Delay retirement due to financial pressure
- Cut spending on healthcare or nutrition to balance their budgets
The quarterly CPI-adjusted OAS increases serve as a critical mechanism to preserve seniors’ purchasing power and keep them from falling behind amid economic uncertainty.
In this context, the \$808 monthly deposit—though modest—can make a real difference in ensuring that seniors maintain quality of life and financial independence.
Full 2025 OAS Payment Schedule – Plan Ahead
Knowing exactly when your pension payment arrives can help with bill planning and monthly budgeting. Below is the complete OAS payment schedule for 2025:
| Month | Payment Date |
|---|---|
| January | January 29, 2025 |
| February | February 26, 2025 |
| March | March 27, 2025 |
| April | April 28, 2025 |
| May | May 28, 2025 |
| June | June 26, 2025 |
| July | July 29, 2025 |
| August | August 27, 2025 |
| September | September 25, 2025 |
| October | October 29, 2025 |
| November | November 26, 2025 |
| December | December 22, 2025 |
Tip: Set up direct deposit via My Service Canada Account to receive your pension promptly and securely each month.
How the CPI Index Influences Pension Adjustments
Every quarter, the CRA reviews pension amounts and adjusts them in accordance with the Consumer Price Index. This index tracks the average change in prices paid by consumers for a basket of essential goods and services.
For Q3 2025 (July–September), the CPI increase prompted a:
- \$7.28 boost for seniors aged 75+
- \$7.28 increase for those aged 65–74
These automatic increases help ensure that benefits stay in line with inflation, without the need for seniors to submit new applications.
What Should Seniors Do to Stay Eligible?
To continue receiving the correct pension amounts, seniors should:
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- File their taxes each year, even with little or no income
- Update address and banking details with Service Canada
- Verify their age category as of July 2025 to ensure proper payment tier
- Check CRA mail and My Service Canada Account for updates
Failure to file taxes or update personal records can lead to payment delays or missed increases.
How to Check Your OAS Payment Status or History
You can manage and track your pension payments online by:
- Logging into your My Service Canada Account
- Navigating to “Payment Information”
- Reviewing upcoming deposit dates and historical amounts
- Updating banking or contact information
- Sending secure messages to a Service Canada representative
If you haven’t already registered, doing so will give you real-time access to all your federal benefit information.
Public Reaction to the July 2025 OAS Increase
While most seniors welcome the \$808 July deposit, some advocacy groups argue it still falls short of matching real-world cost-of-living increases. Several are calling for:
- A higher base OAS amount across all age groups
- Enhanced GIS thresholds to include more low-income seniors
- A national pharmaceutical support program for retirees
Nonetheless, the CRA’s regular quarterly adjustments provide a measure of financial predictability, which is crucial for long-term retirement planning.
FAQs – \$808 OAS Pension Payment in July 2025
Q1: Who qualifies for the \$808.45 OAS payment in July 2025?
A: Seniors aged 75 and older with 2024 income under \$154,196 qualify for the maximum \$808.45 monthly pension.
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Q2: What will seniors aged 65 to 74 receive in July 2025?
A: They will receive a revised OAS payment of \$734.95, provided their income is under the \$148,451 threshold.
Q3: Are these payments automatic, or do I need to apply?
A: If you’re already receiving OAS and meet the age/income criteria, the increased amount will be applied automatically.
Q4: What is the July 2025 OAS payment date?
A: The payment will be deposited on July 29, 2025, along with CPP and GIS if you’re eligible.
Q5: How are these increases calculated?
A: OAS amounts are adjusted quarterly based on the Consumer Price Index (CPI) to reflect changes in the cost of living.