Canadian seniors are set to receive up to $1,280 through Old Age Security (OAS) in April 2025, depending on age and eligibility. This monthly payment helps provide financial support to older adults, especially those on fixed incomes.
As living expenses continue to rise, understanding who qualifies and how to access these benefits is more important than ever.
What Is the OAS Program?
The Old Age Security (OAS) program is a monthly pension payment provided to seniors aged 65 and older. It’s a cornerstone of Canada’s public pension system and is not based on work history, but rather age and residency in Canada.
Who Is Eligible for OAS in April 2025?
To receive the Old Age Security payment in April 2025, individuals must meet the following requirements:
- Be 65 years of age or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after the age of 18 (for residents)
- For those living outside Canada, you must have resided in Canada for at least 20 years after turning 18
Additionally, eligibility may be affected if your net income exceeds the Old Age Security clawback threshold, which may lead to partial or no benefits.
OAS Payment Breakdown for April 2025
Payment amounts for Old Age Security are based on your age and are adjusted quarterly to reflect inflation. Here’s the April 2025 payout structure:
| Age Group | Monthly OAS Payment |
|---|---|
| Ages 65 to 74 | $727.67 |
| Ages 75 and older | $800.44 |
Seniors who also qualify for the Guaranteed Income Supplement (GIS) may receive even more.
How to Maximize Your OAS Benefit
Some ways to increase the total amount you receive monthly include:
- Apply for GIS: Available to low-income seniors receiving Old Age SecurityS.
- Delay your Old Age Security start: Postponing payments past age 65 can increase your monthly amount by up to 36% (0.6% per month delayed).
- Keep income below the threshold: Seniors with high income may see clawbacks, so planning ahead can preserve full benefits.
Payment Date for April 2025
The scheduled payment date for April 2025 is:
- April 26, 2025
Old Age Security payments are typically made on the third-to-last business day of each month. Direct deposits are faster and more secure than mailed cheques.
How to Apply for Old Age Security
If you haven’t already been automatically enrolled, you can apply for Old Age Security:
- Online via My Service Canada Account
- By mail using the OAS application form
- In-person at a Service Canada Centre (appointment may be required)
You should apply up to 11 months before your 65th birthday to avoid delays in payment.
Income Thresholds and Clawbacks
Old Age Security benefits are reduced if your net annual income exceeds a certain threshold. For 2025, the clawback threshold is expected to be approximately $90,997. Every dollar over this amount reduces your benefit by 15 cents. Once your income reaches the maximum recovery threshold, your OAS may be completely clawed back.
The $1,280 OAS payment for April 2025 is a vital source of income for Canadian seniors. If you’re 65 or older, make sure you meet the residency requirements, understand how income affects your benefit, and apply on time. For those eligible for GIS, the monthly support could be even higher.
With the right preparation and awareness, you can take full advantage of this government benefit and enjoy greater peace of mind in retirement.
FAQs
Can I receive OAS if I live outside Canada?
Yes, if you lived in Canada for at least 20 years after turning 18 and meet all other eligibility requirements.
Is OAS considered taxable income?
Yes, Old Age Security payments are taxable and must be reported when filing your annual tax return.
What if I didn’t receive my OAS payment on time?
Wait 3 business days after the payment date. If it still doesn’t arrive, contact Service Canada to report the issue.