Are You Eligible for the $727.67 OAS Payment This April? If you’re a Canadian senior aged 65 or older, you might be eligible for the Old Age Security (OAS) pension—a monthly payment designed to support you during retirement. For the period of April to June 2025, the maximum OAS payment for individuals aged 65 to 74 is $727.67 per month. Those aged 75 and over receive a higher amount of $800.44 monthly. These figures are adjusted quarterly to reflect changes in the cost of living, ensuring that your purchasing power remains stable over time. Understanding your eligibility and the application process is crucial to accessing these benefits. This comprehensive guide will walk you through the requirements, payment dates, supplemental benefits, and other key details that matter for your retirement planning.
Are You Eligible for the $727.67 OAS Payment This April?
The Old Age Security (OAS) pension remains a crucial support for Canadian seniors, offering stability in retirement. With the maximum payment reaching $727.67 or $800.44 (depending on your age), it’s essential to understand your eligibility, payment schedule, and how additional benefits like GIS, Allowance, or the Survivor Benefit can increase your monthly income. By planning early, ensuring timely application, and keeping an eye on income thresholds, you can make the most of Canada’s retirement income system.
| Topic | Details |
|---|---|
| Maximum OAS Payment (65–74) | $727.67/month (April–June 2025) |
| Maximum OAS Payment (75+) | $800.44/month (April–June 2025) |
| April 2025 Payment Date | April 28, 2025 |
| Eligibility Age | 65 years or older |
| Residency Requirement | Minimum 10 years in Canada after age 18 |
| Full Pension Qualification | 40 years of residence in Canada after age 18 |
| Partial Pension Calculation | (Years of residence ÷ 40) × Full OAS amount |
| Income Threshold for Clawback | Starts at $93,454; full repayment at $151,668 (ages 65–74), $157,490 (75+) |
| Guaranteed Income Supplement | Up to $1,086.88/month for singles; $654.23/month for couples |
| Official Website | Canada.ca – Old Age Security |
What Is the Old Age Security (OAS) Program?
The Old Age Security (OAS) is one of the pillars of Canada’s retirement income system. Unlike the Canada Pension Plan (CPP), which requires work contributions, OAS is funded through general taxes and is available to seniors who meet age and residency requirements.
The primary goal of OAS is to ensure that all eligible seniors have a basic level of income, regardless of their work history. The amount you receive depends on how long you’ve lived in Canada after the age of 18.
Who Is Eligible for the OAS Pension?
To qualify for OAS, you must meet the following criteria:
- Be 65 years of age or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after turning 18
If you’ve lived in Canada for 40 years or more after age 18, you’re eligible for the full pension. If you’ve lived in Canada for less than that, you may still qualify for a partial pension.
Example: If you’ve lived in Canada for 20 years after age 18, your OAS amount would be 20/40, or 50% of the full monthly payment.
April 2025 OAS Payment Amounts
Payment amounts are reviewed every quarter to reflect inflation. From April to June 2025, the maximum monthly amounts are:
- $727.67 for seniors aged 65 to 74
- $800.44 for seniors aged 75 and over
These amounts remain consistent with the previous quarter as per the latest Consumer Price Index data.
When Will You Receive Your OAS in April?
For April 2025, OAS payments are scheduled to be issued on April 28, 2025. Payments are typically made on the third-last banking day of each month.
Understanding the OAS Clawback: Income Thresholds
If your net world income exceeds a specific threshold, you may have to repay part or all of your OAS pension through the OAS Recovery Tax.
For the period July 2025 to June 2026, the clawback thresholds are:
- Starts at $93,454
- Full repayment required at:
- $151,668 for those aged 65–74
- $157,490 for those aged 75+
The repayment is calculated at 15 cents per dollar above the threshold.
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement (GIS) provides extra income for low-income seniors who are already receiving OAS. GIS is non-taxable and the amount depends on your marital status and combined income.
GIS Amounts (April–June 2025):
- Single seniors with income under $22,056: Up to $1,086.88/month
- Couples (both receiving OAS) with combined income under $29,136: Up to $654.23/month per person
Additional Support: Allowance and Allowance for the Survivor
The federal government also offers:
The Allowance
For low-income individuals aged 60–64 whose spouse or common-law partner receives GIS.
- Max monthly amount: $1,381.90
- Income threshold: $40,800
The Allowance for the Survivor
For widowed individuals aged 60–64 with incomes under $29,712.
- Max monthly amount: $1,647.34
How to Apply for the $727.67 OAS Payment This April?
If you’re not automatically enrolled, you must apply manually through one of the following methods:
- Online via My Service Canada Account
- Paper application submitted by mail or in person at a Service Canada Centre
Tip: Apply six months before your 65th birthday to avoid delays.
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Frequently Asked Questions (FAQs)
1. Do I need to stop working to receive OAS?
No, OAS is not tied to your employment status. You can work and still receive OAS, though your income might trigger a clawback.
2. Is OAS taxable income?
Yes, OAS is considered taxable and must be reported on your income tax return.
3. Can I receive OAS if I live outside Canada?
Yes, if you meet the eligibility criteria and have lived in Canada for at least 20 years after turning 18.
4. When should I expect to get enrolled automatically?
If Service Canada has enough information, you may be auto-enrolled. You’ll receive a letter about this. If not, you’ll need to apply manually.
5. What happens if I delay applying for OAS?
You can delay up to 60 months to receive a higher monthly amount—an increase of 0.6% per month delayed, up to 36% more.
