Posted by Canadians relying on their Canada Pension Plan (CPP) have some exciting news coming this April 2025. A potential payment of up to $2,928 is scheduled, plus an additional one-time $825 bonus. With inflation continuing to strain household budgets, these payments are a welcomed relief for millions of seniors.
Let’s break down everything you need to know, including who qualifies, how much you’ll get, and when to expect your money.
What Is the $2,928 CPP Payment?
The maximum CPP monthly payment for 2025 has reached $1,433.55. However, some retirees may receive back payments, delayed claims, or lump-sum adjustments, pushing their total April 2025 payment up to $2,928.
This elevated payment is especially relevant for:
- Individuals who delayed CPP beyond age 65 to get higher monthly payouts.
- Seniors receiving retroactive adjustments due to late approvals or application corrections.
- Retirees who qualified for additional CPP-related benefits, such as the Post-Retirement Benefit (PRB).
What Is the $825 Bonus?
The $825 bonus is a one-time payment intended to help eligible recipients cope with the rising cost of living. It is a form of financial top-up aimed at middle- and low-income retirees, especially those not receiving other federal relief supports.
This bonus is expected to be delivered with the regular CPP deposit in April, not as a separate transaction.
Who Is Eligible?
Not everyone will qualify for both payments. Here’s what you need:
Eligibility for the CPP Payment:
- Must be 60 years or older and have applied for CPP.
- Must have made valid contributions to CPP during working years.
- Higher amounts require a longer work history with max contributions.
Eligibility for the $825 Bonus:
- Must be currently receiving CPP or approved to receive it by April 2025.
- Must have an annual income below a certain threshold (typically under $65,000 for individuals).
- Must be living in Canada.
Read More: $1,550 CPP And OAS Payments Coming In April 2025 – Find Out If You Qualify
When Will You Get Paid?
Mark your calendar! The scheduled deposit date for April CPP benefits is:
April 29, 2025 (Tuesday)
If you have direct deposit set up, you’ll receive your funds that day. Cheque recipients may need to wait 3–5 business days longer.
CPP + Bonus Breakdown
| Component | Amount (CAD) | Details |
|---|---|---|
| Maximum CPP Monthly Pay | $1,433.55 | Regular full benefit for eligible contributors |
| Lump-Sum Adjustments | Varies | Includes retroactive or delayed claim payments |
| Total Potential CPP Pay | Up to $2,928 | Maximum with all additions included |
| One-Time Bonus | $825 | April 2025 only; cost-of-living supplement |
| Total April Payment | Up to $3,753 | CPP + bonus for eligible seniors |
How to Make Sure You Get the Full Amount
- Update your banking info on your My Service Canada Account.
- Ensure your CPP application is processed before April 2025.
- If you’re unsure, contact CPP support services to confirm eligibility.
- Consider delaying your CPP if you haven’t started it yet—each month of delay increases your payment by 0.7%.
April 2025 is shaping up to be a great month for many retirees across Canada. With a potential payout of up to $2,928 from CPP and an extra $825 bonus, eligible seniors could receive as much as $3,753.
If you’re a Canadian retiree, now is the time to double-check your eligibility, income status, and banking details to ensure you don’t miss out on this vital financial support.
FAQs
Will everyone on CPP get the $825 bonus?
No, the bonus is income-tested and only applies to certain individuals who meet specific income and residency requirements.
Can I receive the $2,928 CPP payment without the bonus?
Yes. The CPP amount depends on your contribution record and retirement age, regardless of the bonus.
What if I don’t get the payment on April 29?
If your payment is late, check your direct deposit info or contact Service Canada. Cheques can take longer to arrive.