Posted by As April 2025 begins, many Canadian seniors are set to receive combined monthly payments of up to $1,550 through the Canada Pension Plan (CPP) and Old Age Security (OAS). These essential government benefits provide financial support for retirees and those transitioning into retirement.
If you’re unsure whether you qualify or what to expect in April, this guide covers the eligibility criteria, payment amounts, and dates for both programs.
CPP and OAS Combined Benefits in April 2025
Depending on your age and work history, you may be eligible for one or both programs. Here’s a quick breakdown of maximum payouts:
| Benefit | Age Range | Maximum Monthly Payment (CAD) |
|---|---|---|
| CPP Retirement Pension | 65 and above | Up to $1,433.00 |
| OAS (ages 65–74) | 65–74 | Up to $727.67 |
| OAS (75 and over) | 75+ | Up to $800.44 |
Note: A combined monthly total of $1,550 generally reflects full OAS and an average CPP payment.
What Is CPP?
The Canada Pension Plan (CPP) provides monthly retirement income to individuals who contributed while working. Your payment is based on how long and how much you’ve contributed.
- Maximum for new retirees in 2025: Up to $1,433/month
- Average CPP payout: Typically around $900/month
- Minimum eligibility age: 60, but starting at 65 gives the standard rate
- Early/late retirement impact: Taking Canada Pension Plan early reduces your payment, while delaying past 65 increases it
What Is OAS?
Old Age Security (OAS) is a separate monthly benefit for seniors aged 65 and over, funded through general tax revenue. It is not tied to your employment history.
- Ages 65–74: Up to $727.67/month
- Ages 75+: Up to $800.44/month
- OAS clawback: Payments are reduced if your income exceeds a certain annual threshold
- MediSave option: Low-income seniors may also qualify for supplementary benefits like GIS (Guaranteed Income Supplement)
Who Qualifies?
CPP Eligibility:
- Must be at least 60 years old
- Must have made at least one valid contribution during your working life
- Must apply—Canada Pension Plan is not automatic
OAS Eligibility:
- Must be 65 or older
- Must be a Canadian citizen or legal resident
- Must have lived in Canada for at least 10 years since the age of 18
- Higher income may reduce your OAS payment due to income thresholds
April 2025 Payment Date
The scheduled date for both CPP and OAS payments this month is:
April 29, 2025
If you’re set up for direct deposit, you should receive your funds that same day. Those receiving payments by cheque may experience delays due to mail delivery times.
Read More: April 2025 OAS And GIS Payments- Up To $2,200 Monthly For Eligible Canadian Seniors
How to Apply
If you’re not yet receiving CPP or OAS, here’s how to get started:
- Online: Sign in to your government benefits account and submit your application.
- Paper form: Mail a completed application form to the appropriate regional processing centre.
- Ensure your direct deposit information is up to date for timely payments.
Remember, CPP requires an application even if you’re eligible. OAS may be automatic, but not in all cases—check your status if you’re turning 65 soon.
With a potential $1,550 payout this April, the CPP and OAS programs continue to offer reliable income for Canada’s seniors. Whether you’re already receiving your benefits or just becoming eligible, it’s essential to stay informed, ensure your details are current, and maximize your entitlements.
April is a great time to review your retirement plan and take full advantage of the benefits you’ve earned.
FAQs
Can I receive both CPP and OAS at the same time?
Yes, if you meet eligibility for both, you will receive two separate payments—CPP from your contributions and OAS based on your age and residency.
Are these payments taxed?
Yes, both CPP and OAS are taxable income, and you may request tax to be deducted at source or pay it during tax filing.
What if I haven’t received my April payment?
Check your direct deposit info. If it’s correct and there’s still no payment, contact Service Canada for an update on your file.