OAS payments rise 1.4% for October to December 2026
For October to December 2026, Old Age Security (OAS) benefit amounts increased by 1.4% for OAS recipients. For Benefit Payment Dates In November 2026: CPP, OAS, CCB And More, this confirms an OAS amount change, but not November payment dates for CPP, CCB or CDB. Your individual OAS amount depends on your age, how long you’ve lived in Canada after age 18, and your income.
What are the November 2026 benefit payment dates for CPP, OAS, CCB and CDB?
Quick answer: The confirmed OAS update is a 1.4% increase for October to December 2026. It confirms an amount change and eligibility rules, not November payment dates for OAS, CPP, CCB or CDB. Your individual OAS amount depends on your age, years lived in Canada after age 18 and income.
- The 1.4% increase applies to OAS benefit amounts for October to December 2026.
- OAS pension recipients must be aged 65 or older; the amount also depends on age, residence history after age 18 and income.
- OAS pension income is subject to a recovery tax when individual net annual income exceeds the yearly net world income threshold. The stated threshold for 2025 is $93,454.
- The OAS information confirms no November payment dates for CPP, CCB or CDB.
What changed
Old Age Security (OAS) benefits rose 3.0% from October 2025 to October 2026, before the 1.4% increase for October to December 2026.
The quarterly adjustment compares the average Consumer Price Index (CPI) for May, June and July 2026 with the average for February, March and April 2026. The May to July average CPI was 169.5, compared with 167.1 for February to April. The calculation was (169.5 minus 167.1) divided by 167.1, producing the 1.4% adjustment.
Your OAS amount depends on your age, how long you’ve lived in Canada after age 18, and your income.
OAS pension income may be subject to a recovery tax if your individual net annual income exceeds the net world income threshold set for the year. For 2025, that threshold was $93,454. This income rule is separate from the CPI calculation used for the quarterly adjustment.
Who is affected
OAS pension recipients aged 65 or older may receive a full or partial pension, depending on their age, years lived in Canada after age 18 and income.
If you lived in Canada for 10 to fewer than 40 years after turning 18, you receive a partial OAS pension. The maximum-payment tables for October to December 2026 aren’t meant to calculate a partial pension.
OAS pension income is taxable. A recovery tax applies when your individual net annual income is above the threshold set for that year; the threshold for 2025 is $93,454.
Other benefits have separate eligibility rules:
- Guaranteed Income Supplement (GIS): You must be an OAS pension recipient aged 65 or older, a Canadian citizen or legal resident, live in Canada, have income below the applicable maximum annual threshold and not be under a sponsorship agreement.
- Allowance: You must be aged 60 to 64, have a spouse or common-law partner receiving GIS, be a Canadian citizen or legal resident, have lived in Canada for at least 10 years since age 18, meet the combined-income threshold and not be under a sponsorship agreement.
- Allowance for the Survivor: You must be aged 60 to 64, have a deceased spouse or common-law partner, not have remarried or entered a common-law relationship, be a Canadian citizen or legal resident, have lived in Canada for at least 10 years since age 18, meet the income threshold and not be under a sponsorship agreement.
GIS, Allowance and Allowance for the Survivor payments aren’t taxable. Their amounts are recalculated each July using net income from the previous calendar year, and may rise, fall or stop when annual net income changes.
Key dates and numbers
The May-to-July period is the most recent CPI period used, while February to April 2026 was the last period in which a CPI increase raised OAS benefit amounts.
| Measure | Figure |
|---|---|
| OAS increase, October to December 2026 | 1.4% |
| OAS increase, October 2025 to October 2026 | 3.0% |
| Average CPI, May, June and July 2026 | 169.5 |
| Average CPI, February, March and April 2026 | 167.1 |
| Calculation for the October-to-December 2026 increase | (169.5 − 167.1) ÷ 167.1 |
| 2025 net world income threshold for OAS recovery tax | $93,454 |
OAS pension income is subject to recovery tax when an individual’s net annual income exceeds the net world income threshold set for that year.
What to do next
Estimate your monthly OAS payment. If you need to estimate your payment or find out when you may qualify, use Service Canada’s OAS Benefits Estimator. It can estimate monthly payments, identify possible eligibility timing, show the effect of deferring a pension and estimate how payments may change based on your situation.
Check the official payment amounts page. Review Old Age Security payment amounts for the current amounts and income thresholds. The estimator can help with a personal estimate, while the payment amounts page provides the official OAS information.
Consider whether another benefit may apply. If you’re an OAS recipient aged 65 or older, the Guaranteed Income Supplement may be available if you live in Canada, meet the applicable income threshold and are not under a sponsorship agreement. The Allowance and Allowance for the Survivor may be available to some people aged 60 to 64 who meet their respective eligibility conditions.
Check your payment schedule separately. The OAS payment amounts page confirms OAS amount changes and eligibility rules; it doesn’t confirm November payment dates for CPP, CCB or CDB. Use the CanadaEver benefit payment tracker for payment dates and the CanadaEver OAS guide for more OAS information.
Page details date: 2026-09-29. Rules and dates can change; confirm on Canada.ca.
Frequently Asked Questions
How do I calculate my exact OAS amount for October to December 2026?
The 1.4% increase for October to December 2026 applies to OAS benefit amounts, but it doesn’t determine your exact pension.
Will my OAS recovery tax change in 2026 if my income changes?
The 2025 recovery-tax threshold was $93,454. The 2026 quarterly OAS adjustment is based on CPI changes.
When will the next OAS quarterly adjustment be applied after October 2026?
The 2026 adjustment compares CPI averages for May to July and February to April.
Where can I check my OAS payment date and amount for October 2026?
For OAS amounts and income thresholds, check the official Old Age Security payment amounts page. Use the OAS Benefits Estimator for a personal monthly estimate.
Sources
- canada.ca: Old Age Security payment amounts
