The OAS payment increase 2026 lifted Old Age Security by 1.4% for the October to December quarter, and the November cheque is the second one to carry the higher amount. Seniors aged 65 to 74 can now receive up to $762.50 a month, which is $10.53 more than in the summer. Those aged 75 and over can receive up to $838.75, a jump of $11.58. The boost follows consumer prices, which rose about 3.0% over the past year, and it applies to the Guaranteed Income Supplement (GIS), the Allowance and the Allowance for the Survivor as well. The next OAS payment date is Thursday, November 26, 2026, and the December cheque lands on Tuesday, December 22. We’ll be updating this article monthly.
The OAS payment increase 2026 is automatic, so nobody needs to fill out a form or call Service Canada to get the higher amount. Still, the quarterly raise is only part of the picture for retirees watching their bottom line. The OAS clawback threshold now sits at $93,454 of net income for the payment year that runs from July 2026 to June 2027, and a higher figure of $95,323 will apply from July 2027 based on 2026 income. Lower-income seniors should also check the new GIS income cutoffs, since a single senior with a net income under $23,112 can collect up to $1,138.90 a month on top of OAS.
OAS Payment Increase 2026: Key Highlights
| Item | Latest figure |
|---|---|
| Quarterly increase (October to December 2026) | 1.4% |
| Year-over-year inflation behind the raise | About 3.0% |
| Maximum OAS pension ages 65 to 74 | $762.50 a month (up $10.53) |
| Maximum OAS pension ages 75 and over | $838.75 a month (up $11.58) |
| Extra income over a full year at age 65 to 74 | About $126 |
| Extra income over a full year at age 75 and over | About $139 |
| OAS clawback threshold, July 2026 to June 2027 | $93,454 |
| OAS clawback threshold, July 2027 to June 2028 | $95,323 |
| Next OAS payment | November 26, 2026 |
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New OAS Pension Amounts for October to December 2026
Old Age Security is a monthly benefit for Canadians who are 65 or older and have lived in Canada long enough. The maximum goes to people who spent 40 years in the country after turning 18. Anyone with fewer years gets a partial pension, calculated in 40ths, as long as they have at least 10 years of residence.
| Age group | Maximum monthly OAS | Net world income where OAS is fully repaid (2025 income) |
|---|---|---|
| 65 to 74 | $762.50 | $152,062 |
| 75 and over | $838.75 | $157,923 |
The extra 10% for people over 75 became permanent in 2022, and it is why the older group gets a higher base. Those who delayed their pension also get a bigger cheque, because each month of deferral after 65 adds 0.6%, up to 36% at age 70.
GIS, Allowance and Allowance for the Survivor: New Maximums
The Guaranteed Income Supplement is paid on top of OAS to seniors with limited income. The Allowance helps spouses or partners aged 60 to 64 of GIS recipients, and the Allowance for the Survivor supports widowed Canadians aged 60 to 64.
| Benefit | Maximum monthly amount | Income cutoff |
|---|---|---|
| GIS, single, widowed or divorced | $1,138.90 | Under $23,112 net income |
| GIS, each partner, spouse receives full OAS | $685.56 | Under $30,528 combined |
| Allowance (ages 60 to 64) | $1,448.06 | Under $42,768 combined |
| Allowance for the Survivor (ages 60 to 64) | $1,726.18 | Under $31,152 net income |
Your actual GIS depends on your other income, and the amount shrinks as that income grows. GIS is tax-free, which is why a modest income can leave you better off than the numbers suggest.
OAS Clawback 2026: How the Recovery Tax Works
The OAS clawback, officially called the OAS recovery tax, takes back 15 cents of OAS for every dollar of net world income above the threshold. For the payment year from July 2026 to June 2027, the threshold is $93,454, based on your 2025 income. The government holds back the money from your monthly cheque, and you will not see it again unless your income falls.
Two practical points help many retirees. First, the threshold applies to net income, so RRSP and RRIF withdrawals, pensions, rental income and investment gains all count. Second, the clawback is capped at the OAS you actually received, so the full pension disappears only at the high income levels in the table above. Splitting pension income with a spouse and managing RRIF withdrawals can keep you under the line.
OAS Payment Dates for October to December 2026
| Month | OAS payment date |
|---|---|
| October 2026 | October 28 (already paid) |
| November 2026 | November 26 |
| December 2026 | December 22 |
The January 2027 date and the next quarterly rate for January to March 2027 will be posted on the official Service Canada payment calendar. If your cheque is missing, wait the recommended number of days, then call Service Canada at 1-800-277-9914.
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How to Apply for OAS and GIS?
Many Canadians are enrolled automatically, but not everyone. Service Canada sends a letter to people who qualify automatically at around age 64. If you did not get one, you need to apply yourself.
- Sign in or register for My Service Canada Account on canada.ca.
- Choose the Old Age Security application, or request a paper form from Service Canada.
- Provide your Social Insurance Number, proof of birth, and your history of residence in Canada, including any time spent abroad.
- Add your banking details for direct deposit.
- Apply for GIS at the same time if your income is modest, then file your income tax return every year by April 30, since GIS is renewed from your return.
You can apply up to 11 months before you turn 65. If you live outside Canada, you generally need 20 years of residence after age 18 to qualify.
OAS Application Processing Time
Service Canada advises applying about six months before you want payments to start, because some files need extra checks, especially when you have lived in more than one country. Complete applications with clean residence records move faster. Online applications and direct deposit also cut waiting time. You can follow the status of your application in My Service Canada Account.
OAS Payment Calculator 2026
Use the calculator below to estimate your monthly OAS, your annual total, and any recovery tax if your income is high. It also checks whether your income falls under the 2026 GIS cutoffs. The result is an estimate, so confirm your exact amount with Service Canada.
OAS Payment Calculator (October to December 2026)
Estimate your monthly Old Age Security, any recovery tax (clawback) and a quick GIS income check.
Estimate only. Uses October to December 2026 maximums and the $93,454 recovery tax threshold. Your exact amount is set by Service Canada. GIS is shown as an eligibility check, not a payment amount.
Official Resources for OAS, GIS and Allowance
| Resource | What you can do there | Link |
|---|---|---|
| Old Age Security overview | Eligibility, benefit rules and estimator | https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security.html |
| OAS payment amounts | Quarterly rates and income cutoffs | https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html |
| My Service Canada Account (login and registration) | Apply, check status, update banking details | https://www.canada.ca/en/employment-social-development/services/my-account.html |
| Benefit payment calendar | See upcoming OAS payment dates | https://www.canada.ca/en/services/benefits/calendar.html |
| CRA My Account | File taxes, view notices of assessment | https://www.canada.ca/en/revenue-agency/services/e-services/digital-services-individuals/account-individuals.html |
| Service Canada phone line | OAS questions and missing payments | 1-800-277-9914 |
Conclusion
The OAS payment increase 2026 gives seniors a modest but real lift, with the maximum pension now at $762.50 for ages 65 to 74 and $838.75 for those 75 and over. The raise arrives automatically, the next cheque is due on November 26, and lower-income retirees should check the new GIS and Allowance limits. Higher earners need to plan around the OAS clawback threshold of $93,454. Use official Service Canada pages for applications and status checks, and avoid anyone who asks for a fee to “unlock” an increase. We’ll be updating this article monthly as new quarterly rates and dates are published.
FAQs About the OAS Payment Increase 2026
How much is the OAS payment increase for October to December 2026?
OAS rose 1.4%. The maximum is now $762.50 a month for ages 65 to 74 and $838.75 for ages 75 and over.
When is the next OAS payment?
The next OAS payment is on November 26, 2026, followed by December 22.
Do I need to apply for the OAS increase?
No. The quarterly increase is added automatically to your regular payment.
How much GIS can a single senior get now?
Up to $1,138.90 a month, as long as net income is under $23,112.
What is the OAS clawback threshold in 2026?
The threshold is $93,454 for the payment year from July 2026 to June 2027, and $95,323 from July 2027.
Will OAS go up again in January 2027?
OAS is reviewed every quarter based on the Consumer Price Index, so the January to March rate will be set from the latest inflation data. It can only stay level or rise.
Who qualifies for the full OAS pension?
You must be 65 or older, be a Canadian citizen or legal resident, and have lived in Canada for 40 years after turning 18. Partial pensions need at least 10 years.
At what income do you lose OAS?
Clawback begins above $93,454 of net income, and OAS is fully repaid near $152,062 for ages 65 to 74.
Can I get OAS and GIS at the same time?
Yes. GIS is an add-on for OAS recipients with low income.
What happens if I delay my OAS?
Your pension grows by 0.6% for every month you wait after 65, up to five years.
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