Canadian seniors are set to receive a major financial boost this April 2025, with Old Age Security (OAS) payments reaching as much as $1,280 for eligible individuals.
With rising living costs and fixed retirement incomes, this increase is welcome news for millions. This article breaks down everything you need to know about the payment, eligibility criteria, amounts, and when to expect your deposit.
What Is the Canada OAS Payment?
Old Age Security (OAS) is a monthly payment provided to seniors aged 65 and older in Canada. The benefit is adjusted quarterly to reflect the cost of living and inflation rates, ensuring that retired individuals have consistent support during their later years.
For April 2025, the maximum monthly OAS payment is:
- $727.67 for individuals aged 65 to 74
- $800.44 for individuals aged 75 and older
When combined with other benefits like the Guaranteed Income Supplement (GIS), some eligible seniors could receive up to $1,280 or more this month.
Who Qualifies for the $1,280 April 2025 Payment?
To receive the OAS payment in April 2025, you must meet the following eligibility requirements:
- Age: You must be 65 years or older.
- Residency: You must be a Canadian citizen or legal resident.
- Residency Duration: You must have lived in Canada for at least 10 years after turning 18.
- Income Threshold: Payments may be reduced if your annual income exceeds certain limits (starting at around $86,912 for 2025, with full clawback starting around $142,609).
For low-income seniors, the Guaranteed Income Supplement (GIS) can add up to $1,086.88 for singles or $654.23 for each partner in a couple, depending on combined income.
When Will You Receive the OAS April 2025 Payment?
OAS payments are typically sent out on the third-to-last business day of the month. For April 2025, the scheduled payment date is:
April 29, 2025
If you’ve enrolled in direct deposit, you can expect the funds in your bank account on the same day. Those receiving payments by mail may see a slight delay of up to 5 business days.
Breakdown of OAS and GIS Payments – April 2025
| Benefit Type | Age Group | Maximum Monthly Payment (CAD) | Notes |
|---|---|---|---|
| OAS Pension | 65–74 | $727.67 | Based on inflation-adjusted Q2 2025 amount |
| OAS Pension | 75+ | $800.44 | 10% increase for seniors 75+ |
| Guaranteed Income Supplement (GIS) | Single Seniors | $1,086.88 | For those with low income |
| GIS (Couple – both receive OAS) | Married/Common-law | $654.23 each | Income-tested and varies by household income |
| Total Possible Payment | 75+ with max GIS | Up to $1,880.67 | For low-income seniors age 75+ |
How to Ensure You Receive the Full OAS Payment
To make sure you get your full entitled amount:
- Set up direct deposit through your My Service Canada Account.
- Update your income tax return every year. Your OAS and GIS payments are calculated based on your previous year’s income.
- Check your eligibility for GIS if your income is below the required threshold.
- If you’re nearing age 65 and haven’t been auto-enrolled, submit your OAS application on time.
The Canada OAS $1,280 April 2025 payment is a crucial lifeline for millions of seniors navigating retirement on a fixed income.
Whether you’re turning 65 this year or already receiving benefits, now is the time to check your eligibility, ensure your banking details are accurate, and file your taxes to avoid delays.
With payments arriving on April 29, 2025, qualifying seniors should get ready for this much-needed support.
FAQs
Can I receive OAS payments while living abroad?
Yes, if you’ve lived in Canada for at least 20 years after age 18, you may receive OAS while living in another country.
Is the OAS $1,280 payment taxable?
Yes, OAS payments are considered taxable income, and you may request withholding to avoid tax surprises.
What happens if my income is too high?
If your net income exceeds the OAS threshold, a 15% recovery tax applies on the excess, reducing your monthly benefit.