As of April 2025, seniors across Canada relying on government pension programs like the Canada Pension Plan (CPP), Old Age Security (OAS), and Guaranteed Income Supplement (GIS) should stay informed about a few important updates.
These programs provide vital financial support for millions of older Canadians, and any adjustments—whether large or small—can have a significant impact on their monthly budget and retirement planning.
In this guide, we’ll explain the key changes in CPP, OAS, and GIS payments for April 2025. We will also provide practical tips and the official payment schedule to help you plan better.
Whether you’re a retiree, financial planner, or someone assisting elderly relatives, this article is packed with helpful information for you.
Overview of CPP, OAS, GIS Payment Changes
| 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 the previous quarter | Canadians 65+ with residency |
| OAS (Age 75+) | Up to $800.44/month | No change from the previous quarter | Canadians 75+ with residency |
| GIS (Single) | Up to $1,086.88/month | No change from the previous quarter | Low-income OAS recipients |
| Payment Date | April 28, 2025 | Direct deposit available | All eligible beneficiaries |
For many Canadian seniors, the OAS and GIS remain stable, while the CPP sees a beneficial increase. Keeping an eye on eligibility, payment schedules, and benefit amounts is essential for managing your retirement finances effectively.
Key Updates and What They Mean for You
1. CPP Payment Increase: What’s New?
In January 2025, CPP payments saw a 2.7% increase, which means a rise in monthly benefits for Canadian retirees.
The maximum monthly benefit for new retirees will now reach $1,433, an increase from the $1,364.60 offered in 2024. This adjustment is part of Canada’s ongoing efforts to enhance pension support, particularly in response to inflation.
Pro Tip: Your CPP payment amount depends on your lifetime contributions and the age at which you begin collecting it. To check the specific amount you’re eligible for, visit your My Service Canada Account (MSCA) or use the CPP calculator on canada.ca.
2. OAS Payments: No Change for April 2025
For the second consecutive quarter, there has been no increase in OAS benefits, as the Consumer Price Index (CPI) did not show inflation that would warrant an adjustment. As a result, OAS payments remain the same from the previous quarter:
- Ages 65-74: Up to $727.67/month
- Ages 75+: Up to $800.44/month
While no increase is expected for April to June 2025, seniors should stay alert for the next CPI-based review, which will likely occur in July 2025.
3. GIS: Support Remains Unchanged
The Guaranteed Income Supplement (GIS) provides crucial support for low-income seniors receiving OAS. The maximum GIS payout remains $1,086.88/month for singles. The eligibility for this benefit is income-tested and reviewed annually.
For April 2025, there are no changes to GIS payments. However, it’s important to monitor any changes to your income, as shifts could impact your eligibility. You can use the Guaranteed Income Supplement Estimator tool available on the government’s website to reassess your eligibility if needed.
4. Payment Date: When to Expect Your Benefits
Payments for CPP, OAS, and GIS will be disbursed on April 28, 2025. Most recipients who are enrolled in direct deposit will see their payments on that date.
Tip: To ensure timely payments, verify that your banking details are up-to-date on your My Service Canada Account.
How to Check or Update Your Information
You can manage and review your benefit information online through your My Service Canada Account:
- Check your payment dates, benefit amounts, and update your direct deposit details.
- Apply for new or existing CPP, OAS, and GIS benefits.
Be sure to visit the official website regularly to keep your records current and stay informed about any changes in the future.
As we move into April 2025, Canadians receiving CPP, OAS, and GIS payments can expect stability in OAS and GIS benefits, along with a positive increase in CPP payments.
Understanding your benefits, staying updated with your eligibility, and monitoring your payment dates are crucial for effective financial planning.
Always ensure that your banking information is up-to-date to avoid any delays and make the most of your pension benefits.
FAQs
When will I receive my CPP, OAS, and GIS payments for April 2025?
Payments will be disbursed on April 28, 2025, and recipients who are set up for direct deposit will receive their funds on that date.
How much will I receive from the CPP in April 2025?
The maximum CPP monthly benefit for new retirees in April 2025 will be $1,433, reflecting a 2.7% increase from January 2025.
Will there be any increase in OAS payments in April 2025?
No, OAS payments will remain the same from the previous quarter, with seniors aged 65-74 receiving up to $727.67/month, and those aged 75+ receiving up to $800.44/month.
How do I check my CPP, OAS, and GIS payment details?
You can check your payment details and update your banking information by visiting your My Service Canada Account online.