It is inaccurate to say that the Canada Pension Plan (CPP) and Old Age Security (OAS) would receive sizable, one-time “bonus” payments in October 2025. The real adjustments are typical ones that are tied to inflation. The CPP rise was implemented in January 2025, and the fourth quarter of 2025 will see a modest increase in OAS payouts.
Increase in OAS payments (October–December 2025)
In order to help seniors keep up with inflation, OAS benefits will increase by 0.7% in the last quarter of 2025. This adjustment is based on the Consumer Price Index (CPI).
The maximum monthly payout will rise to about $740.09 for those aged 65 to 74.
The maximum monthly payout will rise to about $814.10 for those 75 and older.
How to get eligible for OAS
You must fulfill the following income and residency conditions in order to be eligible for OAS:
be 65 years of age or older.
Be a lawful resident or a citizen of Canada.
Have been in Canada for ten years or more after turning eighteen.
Possess a net yearly income below the OAS recovery tax (clawback) threshold, which is greater for seniors over 75 and starts at about $93,454 for those 65 to 74.
Details of CPP payments (effective January 2025)
January, not October, saw the implementation of the 2025 CPP hike. The maximum retirement pension increased by 2.6% to $1,433.00 per month. The amount of your particular payment depends on the age at which you started receiving it, as well as your contributions.
How to qualify for CPP
To receive CPP, you must have:
Contributed to the CPP, even for just one year.
Made a formal application to Service Canada.
Be at least 60 years old to begin receiving payments, though delaying until age 70 can increase your monthly amount.
How to receive your October payments
Date of payment: The CPP and OAS payments for October 2025 are due on October 29, 2025.
Direct deposit: On this day, money will be automatically transferred into your bank account for individuals who have opted for direct deposit.
No need for a new application: These changes are made automatically if you are already a recipient.
Watch out for fake information
Watch out for news stories or popular social media posts that promise one-time or flat-rate incentive payouts, like “$1,700” or “$4,000.” Such payments are not scheduled, according to official information from the Canadian government. For some low-income seniors, the combined payments of OAS, CPP, and the Guaranteed Income Supplement (GIS) may result in a greater overall amount, which could be confusing.
Hi, I’m James — a government aid expert bringing you the latest updates on financial support, benefits, and policy changes in the USA and UK. I make government news simple, clear, and useful — so you always know what’s coming and how to benefit.