In October 2025, many Canadian seniors have been eagerly waiting for changes in their Old Age Security (OAS) payments. Rumors about a $1860 OAS Payment have caused a lot of confusion across the country, while it is important to understand that no official confirmation has been made by the authority.
Although there have been some increases in OAS payments due to inflation and age based rules, the $1,860 monthly OAS benefits are likely to be misunderstood. Through this article, we will provide details regarding $1860 OAS payment, including its overview, actual payment amount, and way to maximize OAS payments.
$1860 OAS Payment
Old Age Security (OAS) is a monthly payment from the Canadian government for citizens and legal residents who are 65 years or older. Unlike the Canada Pension Plan (CPP), you don’t need to have a work history to get OAS. Instead, your age, how long you have lived in Canada after turning 18, and how much money you earn now decide if you qualify for OAS payments.
To get the full OAS amount, a person must have lived in Canada for at least 40 years after age 18, and if someone has lived in Canada for at least 10 years, they can still get a smaller amount. Also, people who are 75 years or older get more money to help with the high medical expenses.
$1860 OAS Benefits 2025 Overview
| Organization | Employment and Social Development Canada |
| Name of Program | Old Age Security |
| Country | Canada |
| Rumored Amount | $1860/month |
| Actual Amount | Up to $800.44 (Monthly) |
| Payment Date | October 2025 |
| Category | Government Aid |
| Official Website | https://www.canada.ca/ |
Actual OAS Payment Amounts for October
Even though there were certain rumors spreading, the maximum OAS payments for October 2025 are not even close to $1,860 per month. According to the latest official updates, seniors aged between 65 and 74 are eligible to receive up to $727.67 per month, while those aged 75 and above can receive a higher amount of $800.44.
These OAS amounts are calculated and adjusted every quarter according to the inflation rates, based on changes in the Consumer Price Index (CPI). The increase for October 2025 includes a 1% rise, which contributes to a total annual increase of 2.3%.
Why the $1,860 OAS Rumor Spread
The rumored $1860 OAS payment may be the outcome of confusion between various federal benefits. In some cases, seniors who qualify for additional support such as the Canada Pension Plan (CPP) and the Guaranteed Income Supplement (GIS) may see their combined monthly payments exceed $1,800, however these were separate programs.
People are getting confused by adding different payments together and thinking all the money is from OAS, but OAS alone doesn’t pay that much.
OAS Payment Schedule
OAS payments usually come on the last working day of each month. For example, in 2025, seniors will get their October month payment on October 2025, the August month payment on 29th August, and September month payment on 30th September.
Also, if someone has signed up for direct deposit through Service Canada, the OAS payment amount will go straight into their bank account automatically.
Ways to Maximize Your OAS Benefits
Seniors can make the most of their OAS benefits by using strategies like delaying the start of their payments. You can choose to delay for up to 5 years after turning 65, and for every month you wait, your benefit increases by 0.6%, up to a total of 36% by age 70.
Additionally, keeping your annual income below the set limit (currently $90,997), that can help you avoid the OAS Recovery Tax. Low income seniors may also apply for the GIS, which provides extra monthly financial support and helps them to manage their expenses.
FAQs
Is there a confirmed $1860 OAS payment in October 2025?
No, the $1860 OAS payment is just a rumor and not officially confirmed by the government.
How much are Canadian seniors receiving through OAS in October 2025?
In October 2025, seniors aged 65 to 74 can receive up to $727.67 monthly, while those 75 and older may get up to $800.44 via OAS payments.
Can delaying OAS payments increase the benefit amount?
Yes, delaying up to age 70 can raise your OAS payments by up to 36%.
