The Canadian government supports the elderly with retirement income through the Canada Pension Plan and the Old Age Security pension every month. Elderly people waiting for the payment can find the payment date, payout, and other details here.
The CPP and OAS benefits support the elderly differently, where the CPP is based on the work history and contributions they made to the plan, whereas the OAS is based on your age and annual net income. Around 6.2 million receive CPP, and 7 million receive OAS in FY2020-2021.
Senior citizens of age 60 and CPP contributions receive CPP, while seniors of age 65 who have lived in Canada from the age of 18 receive OAS. If you qualify for both, the payment will be around $2000, depending on the situation.
What would be the October 2025 CPP & OAS Payment?
The Canadian senior citizens who are wondering about their CPP and OAS payment amounts can check them below:
- Canada Pension Plan: The CPP payout depends on the age you claim the pension, your average earnings when you were earning, and the contributions you made to the CPP, so the payment amount may vary for beneficiaries. However, based on the CRA estimate, here are the average and maximum CPP payouts:
| At 65, the maximum CPP pension | $1433 |
| Average pension | $848.37 |
- Old Age Security Pension: The OAS pension amount is adjusted for October to December 2025; you can check the maximum payment amount below based on age and net income:
| Age | Maximum Payment | OAS Annual Net Income in 2024 |
| 65 to 74 | $740.09 | Below $148,451 |
| 75 and over | $814.10 | Below $154,196 |
When will you receive the October 2025 CPP & OAS payments?
According to the CRA, the OAS and CPP pension processes are on the same day to offer support to the retirees. It delivers to the pensioner’s account or mails the check on the following dates for the upcoming months:
| Payment Month | Payment Date (OAS and CPP) |
| October | 29 October 2025 |
| November | 26 November 2025 |
| December | 22 December 2025 |
What can affect your CPP and OAS payments?
If you receive any of the pension or both, you should know what can affect your payment, so that you can understand if your payment has increased or decreased payment:
- CPP:
- If you are working while receiving CPP, making contributions, the contributions will lead to additional post-retirement benefits; however, if you reach the age of 70, your contributions will stop.
- If you are separated from your spouse or common-law partner, your CPP contributions will be divided equally among your partner.
- If you have low or no earnings for some time, your CPP is maximized by deducting the 8 years of lowest earnings or using your best 40 years of earnings.
- OAS:
- If you are earning more than $90997in 2024 while receiving the pension, you will have to repay a portion of your pension through recovery tax.
- If you receive the OAS payments, you can qualify for other benefits, such as GIS, GIS Allowance, and allowance for survivors. You can check the eligibility, increase your payout.
- If you delay receiving your OAS pension for 5 years after you turn 65, you will receive a larger pension afterwards.
What should you do if you do not receive the pension on the scheduled date?
The Canada Revenue Agency processes the CPP and OAS payments on the scheduled date; however, if you do not receive the pension, you should reach out to the CRA, but first take the following actions:
- Check the My CRA account and see if you are still eligible for the payment or not or what’s updated on the monthly payment.
- You can contact the CRA or Service Canada by calling 1800-277-9914 or texting 1800-255-4786 and inquire about benefit payments during the operation hours (08:30 AM to 04:30 PM) from Monday to Friday.
- You can also visit the nearest CRA office in person and ask about your OAS and CPP missing payments or delays.
The senior population in Canada who are eligible for the CPP or OAS, or both, can expect their monthly pension on 29 October 2025 this month, so be ready and check your mail or bank accounts.
Disclaimer: October 2025 CPP and OAS payment details are for information only. Actual dates and amounts are determined by the Government of Canada.
