As living costs keep rising, many Canadian seniors need extra help to manage their monthly expenses. In 2025, older adults may receive up to $1,700 per month through Canada Pension Plan (CPP) and Old Age Security (OAS) benefits. This article will break everything down in simple terms: who can get the money, how much they might receive, when they’ll get it, and how to apply. Whether you’re a senior or helping someone understand retirement income, this guide will make it easy to follow.
What Is the Canada Pension Plan (CPP)?
The Canada Pension Plan (CPP) is a retirement benefit paid to Canadians who worked and made contributions during their jobs. The money helps them during retirement, starting as early as age 60.
Who Can Get CPP?
To qualify for CPP payments, you must:
- Be at least 60 years old
- Have made at least one valid contribution to CPP while working
This means that if you worked and paid into CPP, you’re likely eligible.
How Much Can You Get From CPP in 2025?
In 2025, the monthly CPP payments are:
- Maximum (at age 65): $1,433.00
- Average: $899.67
👉 If you delay taking CPP until after age 65, you can get more — about 8.4% extra per year you wait.
What Is Old Age Security (OAS)?
Unlike CPP, Old Age Security (OAS) is paid for by the government using tax money. You don’t need to have worked or contributed to get it. It’s based on your age and how long you’ve lived in Canada.
Who Can Get OAS?
To receive OAS, you must:
- Be 65 years or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after turning 18
If you meet these conditions, you can get OAS payments.
How Much OAS Can You Get in 2025?
OAS payments depend on your age group:
- Ages 65–74: $727.67 per month
- Ages 75 and older: $800.44 per month
🔔 If your income is above $90,997 in 2024, your OAS may be reduced (this is called a “clawback”).
Total Monthly Benefit Possible in 2025
Here’s what your maximum possible monthly income could look like from CPP and OAS:
| Benefit Type | Amount (Monthly) |
|---|---|
| CPP | $1,433.00 |
| OAS (65–74) | $727.67 |
| OAS (75+) | $800.44 |
| Total | Up to $2,233.44 |
📝 Most people won’t get the full amount but can expect up to $1,700 monthly, depending on their age and work history.
CPP and OAS Payment Dates in 2025
You’ll receive your money once a month. Here are the payment dates for 2025:
| Month | Date |
|---|---|
| January | 29th |
| February | 26th |
| March | 27th |
| April | 28th |
| May | 28th |
| June | 26th |
| July | 29th |
| August | 27th |
| September | 25th |
| October | 29th |
| November | 26th |
| December | 22nd |
📌 Mark these dates so you know when to expect your payments.
How to Apply for CPP and OAS
How to Apply for CPP
There are two ways to apply:
- Online: Use your My Service Canada Account
- By Mail: Send in the completed CPP application form
⏳ Apply 6 months before you want to start receiving payments.
How to Apply for OAS
- Automatic: Most people get a notice before they turn 65
- Manual: If you don’t get a notice, you can apply online or by mail
⏳ Apply at least 6 months before turning 65 to avoid delays.
Taxes and Other Helpful Retirement Programs
Are CPP and OAS Taxed?
Yes, both CPP and OAS are taxable income. You’ll get a form called a T4A(P) each year to use when filing your taxes.
Other Benefits You Might Qualify For
- Guaranteed Income Supplement (GIS): For low-income seniors
- Allowance: For spouses or survivors between ages 60–64
These benefits can add extra money to your retirement income.
Simple Tips for Seniors to Manage Their Benefits
- Check your CPP record using your My Service Canada Account
- Delay CPP or OAS if you want bigger payments later
- Keep your banking info updated to avoid missed payments
- Watch out for scams — Service Canada will never ask for personal info by text or email
Conclusion
Canada’s $1,700 monthly CPP and OAS payment is a lifeline for many seniors in 2025. By understanding who qualifies, how much you can get, and when the money arrives, you can plan your retirement with more confidence. Don’t forget to apply early, update your details regularly, and look into other benefits like GIS and Allowance.
This support system ensures Canadian seniors can live with dignity and less financial worry. Always check your My Service Canada Account for updates and stay informed to make the most of your retirement income.
FAQ’S
1. Who qualifies for the $1,700 CPP and OAS payment in 2025?
Seniors aged 60+ with CPP contributions and aged 65+ for OAS may qualify, depending on work and residency history.
2. How much will CPP and OAS pay monthly in 2025?
CPP max is $1,433/month. OAS is up to $800.44/month for seniors 75+. Combined, many get around $1,700/month.
3. When are CPP and OAS payments made in 2025?
Payments are monthly. Key 2025 dates include Jan 29, Feb 26, Mar 27, Apr 28, and continue monthly through Dec 22.