In April 2025, thousands of low-income Canadian seniors are set to receive a significant financial boost, with combined monthly benefits reaching up to $1,976.
This increase comes through a combination of federal retirement support programs including the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS). If you are a senior citizen, now is the time to check your eligibility and payment schedule.
Breakdown of Federal Support Programs
Canada Pension Plan (CPP)
The CPP offers monthly retirement income to individuals who contributed to the plan during their working years. The benefit amount varies based on your contributions and the age at which you begin collecting.
Old Age Security (OAS)
OAS is a monthly benefit available to seniors aged 65 and older. Unlike CPP, it does not require previous contributions from employment and is based on age and residency in Canada.
Guaranteed Income Supplement (GIS)
The GIS is designed for low-income OAS recipients. It adds extra, non-taxable income for seniors who meet the low-income threshold. Combined with OAS and CPP, it can result in a meaningful monthly benefit.
How Much Will You Receive in April 2025?
Depending on your personal income and contribution history, you could receive up to $1,976 per month from these combined programs. Here’s how the amounts break down:
| Benefit Type | Maximum Monthly Amount (April 2025) |
|---|---|
| CPP | $1,433.00 |
| OAS (65–74 yrs) | $727.67 |
| OAS (75+ yrs) | $800.44 |
| GIS (Single) | Up to $1,086.88 |
Note: Actual benefit totals depend on your income, age, and contribution history. You may not qualify for the full amount from each program.
Who Is Eligible?
CPP Eligibility:
- Must be at least 60 years old.
- Must have contributed to CPP during your working years.
- Payment amount depends on years of contributions and retirement age.
OAS Eligibility:
- Must be 65 years or older.
- Must be a Canadian citizen or legal resident.
- Must have resided in Canada for at least 10 years after age 18.
GIS Eligibility:
- Must be receiving OAS.
- Annual income must be under $22,056 for single seniors, or under $29,136 for couples.
Payment Date in April 2025
The official government schedule indicates that OAS, GIS, and CPP payments will be issued on April 28, 2025. Seniors who have signed up for direct deposit will receive their money on this date, while mailed cheques may arrive a few days later.
How to Receive These Payments
If you’re eligible for these programs, ensure you:
- File your income tax return for the previous year.
- Enroll through your My Service Canada Account, if not automatically enrolled.
- Set up direct deposit to receive payments faster.
- Update your personal and banking information to prevent delays.
The April 2025 payment of up to $1,976 brings crucial support to low-income Canadian seniors relying on CPP, OAS, and GIS.
Whether you’re already receiving benefits or planning to apply soon, understanding your eligibility and ensuring your application is complete and up to date can make a significant difference. These programs play a vital role in promoting financial stability for seniors in retirement.
FAQs
Can I receive all three payments—CPP, OAS, and GIS—together?
Yes, if eligible for each program, you can receive all three combined.
Is the GIS amount taxed?
No, GIS payments are non-taxable and do not need to be reported as income.
What happens if I miss updating my banking details?
Your payment may be delayed or sent by cheque. Always keep your CRA and Service Canada profiles updated.