The Canada Revenue Agency confirmed the Canada Pension Plan, Old Age Security, and Guaranteed Income Supplement for the eligible seniors. If you wish to get any of the benefits, you can check the full details of all three benefits here.
CPP OAS & GIS Payments Confirmed for Everyone
The Canadian government supports the elderly after their retirement with a pension and retirement income through benefits, such as CPP, OAS, and GIS. All three payments are paid each month; however, the CPP payment is adjusted annually, whereas the other two are quarterly adjusted.
The CRA has confirmed the OAS and GIS payment for the next quarter, beginning in October 2025 and continuing to December 2025. The 0.7% adjustment was confirmed based on the CPI of the recent and the last quarter.
Now, if you wish to receive these benefits, you can check the eligibility, payment amount, application, and other details for each benefit further in the article.
Canada Pension Plan
You receive the CPP benefit if you have made contributions to the Canada Pension Plan while working and reached the retirement age.
Eligibility:
- The minimum age for the pension is 60 years old, and you must have contributed to the COO while working or from the credit you received after being divorced or separated from your legal partner.
Payment Amount:
- Your payment depends on your age, the average earnings throughout your work life, or the contributions you made.
- The maximum CPP pension you can receive in a month is $1433, though it can be reduced depending on your situation.
Application Process:
- When you reach the retirement age, you can apply to Services Canada in the following steps:
- Visit the Services Canada page for the CPP at https://www.canada.ca/ and go to Benefits, followed by public pensions, and then CPP.
- Next, come to the Apply section, and click the Apply button for the online application.
- Next, sign in to your CRA account with the option that suits you, or if you don’t have an account, you can create one.
- Once you are signed in, you can access the CPP application and submit it with the relevant documents for CRA to review.
Old Age Security
If you do not qualify for the CPP, you can opt for the Old Age Security pension because it is a non-contributory benefit, though the CPP recipients can also receive this payment if they qualify for it.
Eligibility:
- Your age must be 65 or older, and you must be living in Canada as a legal resident for a minimum of 10 years after you attained the age of 18.
- If you are not living in Canada, but are 65 or older, were a legal resident, or stayed for at least 20 years after you turned 18 before you left the country.
Payment Amount:
- The OAS payment for October to December 2025 has increased by 0.7%, so you will receive the following payout:
| Age | Annual Income | Amount |
| 65 to 74 | Below $148,451 | $740.09 |
| 75 or above | Below $154,196 | $184.11 |
Application Process:
- If your enrollment information is saved with Services Canada, you do not need to do anything, as you will receive the benefit letter on your 64th Birthday, and you will be enrolled for the OAS benefit.
- However, if you do not get the letter or wish to change your information, you can do it through My Service Canada Account online or mail the filled Application form (SP-3550) OAS and GIS.
Guaranteed Income Supplement
If you receive the Old Age Security and have a low income, you can receive the GIS non-taxable payment along with OAS benefits each month.
Eligibility:
- Age 65 or above, living in Canada, and receiving the Old Age Security pension.
- Your income should be below $22,272 if you are an individual, and if you have a spouse/ common-law partner, it will be:
| Family situation | Income limit |
| Spouse/legal partner also receives full OAS | $29,424 |
| When no partner received the OAS | $53,376 |
| If one received the allowance | $41,184 |
Payment Amount:
- With a 0.7% quarterly adjustment increase, you can expect the following GIS payment based on your family situation:
| Family situation | Amount |
| Individuals | $1105.4 |
| Spouse/legal partner also receives full OAS | $665.4 |
| When the spouse/ legal partner receives the allowance | $665.4 |
| When no partner received the OAS or allowance | $1105.4 |
Application Process:
- If you qualify for the GIS while you are entitled to the OAS, you will receive a letter from CRA confirming your eligibility and payment.
- However, if you do not receive the letter on your 64th birthday, or you were asked to apply, or the information in the letter needs to be updated, you can apply through your My Services Canada account or through form ISP-3550.
What is the payment date for CPP, OAS, and GIS 2025?
The CPP, OAS, and GIS payments are made on the same day; hence, if you apply on time, you can receive your payments based on the following payment schedule:
| Payment Month (CPP/OAS/GIS) | Payment Date |
| October | 29 October 2025 |
| November | 26 November 2025 |
| December | 22 December 2025 |
The CPP, OAS, and GIS are benefits that can help the seniors to lead a good life with more than $2000 payout each month, if you qualify for all three. So, do check if you qualify for the above benefits and apply now.
