Canadian seniors can look forward to a major financial uplift this April. A new combined total of up to $2,600 is set to be disbursed through Canada Pension Plan (CPP) and Old Age Security (OAS) payments.
With inflation continuing to impact everyday living costs, this boost comes at a critical time, especially for retirees relying on fixed incomes. Here’s everything you need to know about who qualifies and when to expect your payment.
What’s Behind the $2,600 April Payment?
The figure of $2,600 represents the combined maximum monthly amounts from both CPP and OAS payments for eligible seniors in April 2025. Depending on your age, income level, and contribution history, the amount you receive could vary.
This increase reflects the annual adjustments made to pension payments to keep pace with inflation and ensure Canadian seniors have stable support during retirement.
Benefit Breakdown: CPP + OAS
Here’s a detailed look at how the $2,600 amount is calculated:
| Benefit Type | Maximum Monthly Amount (April 2025) |
|---|---|
| CPP Retirement | $1,433.00 |
| OAS (Ages 65–74) | $727.67 |
| OAS (Ages 75+) | $800.44 |
| Total Possible | Up to $2,233.44 |
Some seniors may also qualify for additional top-ups such as the Guaranteed Income Supplement (GIS), which could bring their total monthly benefit closer to $2,600.
Eligibility Criteria
To receive the maximum or near-maximum benefit, recipients must meet the following eligibility standards:
For CPP (Canada Pension Plan)
- Must be at least 60 years old to start receiving CPP.
- Must have made valid CPP contributions during working years.
- Monthly payments depend on contribution history and the age you begin payments.
For OAS (Old Age Security)
- Must be 65 years or older.
- Must have lived in Canada for at least 10 years after turning 18.
- Canadian citizenship or legal residency is required.
- OAS payments are income-tested — higher income may reduce your benefit.
When Will the April Payment Be Sent?
CPP and OAS payments for April 2025 are scheduled for April 28, 2025.
To ensure timely receipt:
- Make sure direct deposit is set up.
- Confirm your banking and address information is current.
- Those receiving mailed cheques should allow a few extra days for delivery.
How to Maximize Your Payments
There are several ways to ensure you receive the highest possible payment:
- Delay CPP Start Date
Waiting beyond age 65 to begin CPP benefits can increase your monthly amount by up to 42%. - Apply for OAS on Time
Applications should be submitted six months before turning 65 if not auto-enrolled. - Keep Income Below Thresholds
For OAS and GIS, maintaining income below certain limits will maximize what you receive. - Set Up Direct Deposit
Ensures quicker and safer payment without delay.
Important Things to Know
- Both CPP and OAS are taxable benefits.
- Payments are adjusted each year based on the Consumer Price Index (CPI) to match inflation.
- You can access your benefit details and payment history through your online government account.
The $2,600 CPP and OAS payment for April 2025 offers a meaningful increase for many Canadian seniors navigating the rising cost of living.
Whether you’re already receiving benefits or planning to apply, understanding the eligibility and optimizing your timing can make a significant difference in your financial stability during retirement.
Make sure your paperwork is in order and your accounts are up to date — this payment could be your biggest yet.
FAQs
Can I receive both CPP and OAS at the same time?
Yes, eligible seniors can receive both CPP and OAS payments concurrently, provided they meet the qualifications for each.
Will I automatically receive the $2,600 in April 2025?
The exact amount you receive depends on your CPP contributions, age, and whether you qualify for full OAS and any additional supplements.
What if my payment is delayed?
Ensure your direct deposit details are current. If you’re receiving a cheque, delays may occur through the mail.