As we grow older, having a stable income becomes necessary to maintain a comfortable standard of living. In Canada, the Old Age Security pension offers a stable income to seniors aged 65 and above. This monthly payment helps qualified aged residents to cover their basic needs no matter what their work history is. The OAS pension does not depend on how much you have earned or contributed in the past. Instead it focuses on the age, legal status and how long an applicant lives in Canada after turning 18. The OAS pension amounts are adjusted quarterly so that seniors will get sufficient amounts based on the living cost. Let’s know what’s the Maximum OAS Pension 2025.
Maximum OAS Pension 2025
The Old Age Security program aimed to provide basic per month earnings to aged Canadians. It is funded by general tax revenues which means the claimant need not contribute to it. To be eligible the applicant should be 65 or older or be a legal resident or Canadian citizen. The longer the applicant stays in Canada the higher the amount they may receive.The Maximum OAS Pension 2025 depends on applicant age and how many years they have resided in Canada. There is also a payment increase for seniors aged 75 and older. For lower income seniors the additional support is available through the Guaranteed Income Supplement.
CRA Old Age Security Maximum Pension 2025 – Overview
| Post Title | Maximum OAS Pension 2025 |
| Year | 2025 |
| Country Name | Canada |
| Program Details | Old Age Security |
| Issuing Agency | Service Canada / Canada Revenue Agency |
| Who qualifies? | Aged Seniors in Canada with Residency |
| Purpose | To Provide income support to seniors |
| Max Amount | $727.67 or $800.44 as per age |
| Frequency of the Payment | Monthly |
| Inflation Adjustment Frequency | Quarterly |
| Raise In First Quarter | N/A |
| Raise In Second Quarter | N/A |
| Upcoming OAS Raise Timeline | Third and Fourth Quarter |
| Post Category | Finance |
| Official Web Portal | www.canada.ca |
canada.ca Old Age Security Max Pension Amount 2025
The OAS pension amount that the beneficiaries will receive depends on two main factors: their age and how long they have lived in Canada after turning 18. If they have lived for 40 years then they may be eligible for the full pension. In 2025, the max per month OAS payment is $727.67 for 65 to 74 years aged seniors and $800.44 for 75 or older seniors. These amounts have remained unchanged since October 2024 as there was no increase in the first and second quarter of 2025. The government reviews OAS amounts quarterly based on inflation but for now the benefit rates remain unchanged. If the applicant has not lived in Canada for the full 40 years then they may still be eligible for a partial pension which is calculated based on how many years they have lived in Canada after turning 18.
How To Claim OAS Pension In 2025?
To start receiving OAS payments seniors must apply. The applicant can apply up to 11 months before their 65th birthday. If they delay applying past their 65th birthday then they could be qualified for retroactive payments of up to 11 months depending on when their application is received and processed by Service Canada.
Seniors can apply in two ways:
1. Online via MSCA:
If seniors already have a MSCA then they can log in and submit their application online. If they do not have one then they need to register it first which requires a personal access code that Service Canada will send by mail.
2. By Mail (Paper Application):
If seniors prefer to apply by mail then they need to download and complete the Form ISP-3550. Then they must mail the filled Form to the appropriate Service Canada office based on their province of residence. Also, applicants need to provide supporting documents such as proof of legal status or residency history.
FAQ Related To Maximum OAS Pension 2025
How often are OAS payments made?
OAS is paid monthly usually during the last week of the month.
Is regular income from Canada OAS taxable?
Yes, the regular income from OAS is taxable. Each year, OAS income should be reported on the income return.
Can someone delay their OAS pension for higher monthly payments?
Yes, seniors can defer their OAS pension for up to 5 years (until age 70) to get higher per month payments.
What is the current maximum OAS payment in 2025?
As of April to June 2025, the max per month OAS payment is $727.67 for 65 to 74 years aged seniors and $800.44 for 75 or older seniors. These amounts have remained unchanged since October 2024 as there was no increase in the 1st and 2nd quarter of 2025 because of the minimal changes in the CPI.
