CPP, OAS, GIS Payment: As of April 2025, seniors across Canada receiving benefits from the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS) should stay informed about a few key updates. These government-supported pension programs are lifelines for millions of older Canadians, and any changes—big or small—can have a major impact on monthly budgets and long-term retirement plans.
In this guide, we’ll break down the CPP, OAS, and GIS payment changes for April 2025, offer practical tips, and share the official payment schedule. Whether you’re a retiree, a financial planner, or someone helping their aging parents, this article has something for you.
CPP, OAS, GIS Payment
| Benefit Type | Payment Amount | Update for April 2025 | Who Qualifies |
|---|---|---|---|
| CPP | Up to $1,433/month | 2.7% increase from Jan 2025 | Canadians who contributed to CPP |
| OAS (Age 65–74) | Up to $727.67/month | No change from previous quarter | Canadians 65+ with residency |
| OAS (75+) | Up to $800.44/month | No change from previous quarter | Canadians 75+ with residency |
| GIS (Single) | Up to $1,086.88/month | No change from previous quarter | Low-income OAS recipients |
| Payment Date | April 28, 2025 | Direct deposit available | All eligible beneficiaries |
With stable OAS and GIS payments and a welcome increase in CPP, April 2025 brings both predictability and progress for Canadian seniors. Keeping track of your eligibility, payment dates, and benefit amounts can make a big difference in managing your retirement income.
Be sure to check your My Service Canada Account regularly and stay updated on any future policy changes. These small steps can help ensure you make the most of your federal pension benefits.
Understanding CPP, OAS, and GIS: A Quick Refresher
What is the Canada Pension Plan (CPP)?
CPP is a monthly taxable benefit designed to replace part of your income when you retire. If you worked and contributed to CPP, you’re eligible to receive payments starting as early as age 60.
For 2025, CPP payments increased by 2.7%, thanks to the CPP enhancement measures introduced by the federal government. The maximum monthly benefit for new retirees is now $1,433, up from $1,364.60 in 2024.
What is Old Age Security (OAS)?
OAS is a monthly benefit available to most Canadians aged 65 and older, regardless of work history. Eligibility depends primarily on years of residency in Canada.
OAS is reviewed quarterly and adjusted based on the Consumer Price Index (CPI). Since there was no inflation increase in the CPI, OAS payments remain unchanged from the previous quarter:
- Age 65–74: Up to $727.67/month
- Age 75+: Up to $800.44/month
What is the Guaranteed Income Supplement (GIS)?
GIS provides extra monthly payments to low-income seniors receiving OAS. It’s non-taxable and meant to support those with little or no income beyond the OAS pension.
For the April–June 2025 quarter, GIS amounts remain the same:
- Single seniors can receive up to $1,086.88/month
- Eligibility is income-tested and reviewed annually
Detailed Guide to April 2025 Payment Changes
1. CPP Payment Increase: What You Should Know
The 2.7% boost in CPP payments reflects Canada’s commitment to helping retirees cope with inflation. This change took effect in January 2025, so the April deposit will reflect the new, higher amount.
If you’re unsure how much CPP you’ll receive, check your My Service Canada Account (MSCA) or use the CPP calculator on canada.ca.
Pro Tip: CPP is based on how much you contributed during your working years and the age you choose to start receiving it.
2. OAS Payments Hold Steady
There’s no increase in OAS for April to June 2025, as the Consumer Price Index (CPI) did not warrant a raise. This is the second consecutive quarter where OAS has held steady.
While this means predictability for budgeting, seniors should keep an eye out for the next CPI-based adjustment, expected in July 2025.
3. GIS Remains Unchanged
For low-income seniors, the GIS remains a critical support. The income threshold for singles remains at $22,056, and the maximum GIS payout stays at $1,086.88.
If your income changes or you have deductions like RRSP withdrawals or part-time income, it may affect your GIS eligibility. Use the Guaranteed Income Supplement Estimator tool on the government website to reassess eligibility.
4. April 2025 Payment Date
The government has confirmed that CPP, OAS, and GIS payments will be disbursed on April 28, 2025. Most recipients who use direct deposit will see the money in their accounts that day.
To avoid delays, make sure your banking details are up to date in your My Service Canada Account.
CPP, OAS, GIS Payment: How to Check or Update Your Information
You can view and manage your benefits online:
- Visit: My Service Canada Account
- Check your payment dates, benefit amounts, and update your direct deposit details
- Access forms for CPP, OAS, and GIS applications
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FAQs on CPP, OAS, GIS Payment
Q1. When will I receive my April 2025 CPP, OAS, and GIS payment?
A: Payments will be made on April 28, 2025. Direct deposit ensures same-day delivery.
Q2. Why didn’t OAS increase this quarter?
A: OAS is adjusted based on the Consumer Price Index (CPI). Since there was no rise in the CPI, payments remain the same.
Q3. Who qualifies for GIS?
A: GIS is available to low-income seniors who already receive OAS. Income thresholds apply, and eligibility is reassessed annually.
Q4. How can I calculate how much CPP I’ll get?
A: Use the CPP calculator on canada.ca or log in to My Service Canada Account.
Q5. How do I update my banking information?
A: Log in to My Service Canada Account, go to “Direct Deposit,” and make the changes online.
