Starting in July 2025, thousands of Canadian seniors will see a higher Old Age Security (OAS) payment, thanks to an automatic inflation adjustment. The maximum monthly OAS benefit for seniors aged 75 and older will rise to $808.44, while those aged 65 to 74 will also receive a modest boost. This increase is part of the quarterly indexation process, ensuring OAS payments keep up with the cost of living.
If you’re wondering how this $808.44 OAS payment in July 2025 affects you, this guide explains the updated amounts, eligibility rules, and exact payment date. Everything here is based on the latest available information from Canada.ca.
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OAS Payment Amounts for July to September 2025
The federal government adjusts OAS payments every quarter—in January, April, July, and October—based on changes in the Consumer Price Index (CPI).
For the July to September 2025 quarter, here are the maximum monthly OAS amounts:
| Age Group | Monthly OAS (Apr–Jun 2025) | Monthly OAS (Jul–Sep 2025) |
|---|---|---|
| 65 to 74 years old | $727.67 | ~$734.95 (estimated) |
| 75 years and older | $800.40 | $808.44 |
Note: The $808.44 OAS payment is a result of the federal government’s permanent 10% enhancement introduced in 2022 for seniors aged 75+, combined with the latest inflation adjustment.
Who is Eligible for the $808.44 OAS Payment?
To qualify for the full OAS benefit in July 2025, including the $808.44 maximum amount, you must:
- Be 75 years of age or older (born before July 1, 1950)
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after age 18 (40 years of residence needed for full amount)
- Have a net annual income below the OAS recovery threshold (approx. $90,000 to $150,000)
Partial payments may apply if you’ve lived in Canada fewer than 40 years after age 18.
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When Will the OAS July 2025 Payment Be Made?
The OAS July 2025 payment will be deposited on Tuesday, July 29, 2025. Payments are made automatically to eligible seniors via direct deposit or mailed cheque.
Here’s a quick look at the remaining 2025 OAS payment schedule:
- July 29, 2025
- August 28, 2025
- September 25, 2025
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How to Ensure You Get the Increased OAS Amount
To receive the correct OAS amount for July 2025, make sure to:
- File your 2024 income taxes on time – Service Canada uses your tax return to assess eligibility and payment amount.
- Keep your banking info updated for direct deposit.
- Ensure you’ve applied for OAS (if you weren’t automatically enrolled).
You can verify or update your OAS account details through My Service Canada Account.
Key Takeaways: OAS Increase July 2025
- New maximum OAS for seniors 75+ is $808.44/month
- Seniors aged 65–74 will receive up to ~$734.95/month
- Payments adjusted for inflation quarterly—July increase reflects the latest cost-of-living index
- Next OAS payment date: July 29, 2025
- No need to reapply—adjustment is automatic
Final Thoughts
The $808.44 OAS payment in July 2025 offers a welcomed financial bump for older seniors facing rising expenses. If you’re 75 or older, this increase is part of the government’s ongoing commitment to protect seniors’ purchasing power. Whether you’re planning your retirement budget or simply watching your bank account, knowing what’s coming and when makes all the difference.
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