2025 CPP, OAS and GIS Payment Dates – Important Updates on Payment Schedule and Amounts

Public pension plans in Canada are made up of the CPP, Old Age Security, and GIS. These three pension plans form integral parts of the financial security of seniors. In the mid-year mark of 2025, the purchasing power of the vast majority of seniors was preserved through inflation adjustments and fixed payment dates. Here’s a step-by-step guide to help you plan your retirement finances properly.

Payment Schedule

The Government of Canada pays CPP, OAS, and GIS benefits every month, usually in the last week of the month. If a payment date falls on a weekend or holiday, it is shifted to the first working day.

For instance, the due date for payments in January will be January 29, 2025. This will repeat throughout the year. It would be helpful if seniors knew the dates so they would not get confused and know how to allocate their budget properly for food, rent, and health care, among others.

Beneficiaries should check their bank account or Service Canada account regularly to receive payments on time.

Payment Calendar

Month	Payment Date
January	January 29
February	February 26
March	March 26
April	April 29
May	May 28
June	June 26
July	July 30
August	August 28
September	September 26
October	October 29
November	November 27
December	December 24

Amounts

To account for the increase in cost of living due to inflation, benefits under the CPP, OAS, and GIS will be increased by 2.6% in 2025. This adjustment will ensure that seniors maintain financial stability despite inflation.

$1660 Extra CPP Payment for Seniors in 2025 – Eligibility and Payment Breakdown by CRA

Breakdown:

Program	Age/Category	Maximum Monthly Payment
CPP	Age 65	$1,364.60
OAS	Age 65-74	$727.67
	Age 75+	$800.44
GIS	Single/Widowed	$1,086.88

Seniors are encouraged to review their contribution history and income levels to know their eligibility and estimated benefits.

Eligibility Criteria

There are specific eligibility criteria for receiving benefits under the CPP, OAS, and GIS to ensure that those most in need receive help.

Canada Pension Plan (CPP)

Age requirement: 60 years or older
Contributions: You should contribute to at least one valid CPP throughout your entire employment

Old Age Security

65 years and older
Living in Canada
Must have stayed in Canada for 10 or more years since the age of 18

Guaranteed Income Supplement

Income: GIS is payable only to low income OAS beneficiary
Marital Status: Limits for each are determined if applicant is a single person, married person or has spouse also receiving OAS.

All this will guarantee that you receive full support from the government to spend your retirement days comfortably.

Managing Your Benefits

The seniors can find assistance in the following areas for managing their benefits and dealing with the delay in their payments:

Service Canada Account: This is one of the ways through which one can view payment details in real time and also manage their benefits online.
Toll-free support: Service Canada offers assistance on payment inquiries and delays.

Updating personal information with the CRA from time to time: this will prevent a disruption in payment.

Significant

The changes in CPP, OAS and GIS in 2025 reflect a commitment by the Government of Canada to continue funding seniors with escalated costs. Seniors in Canada can administer their retirement income better only if they know the payment schedule, higher amounts of benefits, and the eligibility criteria. Proper planning with the availability of resources will certainly ensure a comfortable and financially stable retirement.