With living costs rising across Canada, many seniors are looking to the government for a little extra support. In April 2025, the Canada Revenue Agency (CRA) continues to deliver a combined pension benefit of up to $2,166 for eligible seniors.
This payment isn’t a new handout or a one-time bonus — it’s the total of monthly benefits from Canada’s core pension programs: the Canada Pension Plan (CPP), Old Age Security (OAS), and for some, the Guaranteed Income Supplement (GIS).
Let’s break down how it works, who qualifies, payment dates, and how you can make sure you’re getting what you’re entitled to.
Table of Content
Overview
The $2,166 figure is the maximum combined monthly total a senior could receive through CPP, OAS, and GIS in 2025.
Not everyone qualifies for the full amount, since each program has its own rules based on age, income, and contribution history.
Here’s how it breaks down:
| Benefit Type | Maximum Monthly Payment (2025) | Eligibility Highlights |
|---|---|---|
| Canada Pension Plan (CPP) | $1,364.60 | Age 60+, contribution-based |
| Old Age Security (OAS) | $713.34 | Age 65+, 10+ years in Canada |
| Guaranteed Income Supplement (GIS) | $1,065.47 | Low-income seniors receiving OAS |
| Total Combined (Max) | $2,166.00+ | Based on individual eligibility |
Payment Details
The CRA $2,166 pension benefit isn’t a separate payment but rather the combined total you might receive in a month if you qualify for the maximum amounts across these programs.
The actual amount deposited into your account each month depends on:
- how long and how much you’ve contributed to CPP
- how long you’ve lived in Canada for OAS
- your annual income for GIS eligibility
Eligibility
Wondering if you’re eligible? Here’s a quick breakdown.
Canada Pension Plan (CPP)
- must be at least 60 years old
- must have made valid CPP contributions through work or self-employment
- payment depends on your contribution history
Old Age Security (OAS)
- must be 65 or older
- must have lived in Canada for at least 10 years since turning 18
- full OAS requires 40 years of residency after age 18
Guaranteed Income Supplement (GIS)
- must already receive OAS
- must have a low income, under $21,456 a year for single seniors in 2025
- amount received depends on your income and marital status
Payment Schedule 2025
Here’s when to expect your pension payments in 2025:
| Month | Payment Date |
|---|---|
| January | January 29, 2025 |
| February | February 26, 2025 |
| March | March 27, 2025 |
| April | April 29, 2025 |
| May | May 29, 2025 |
| June | June 26, 2025 |
| July | July 30, 2025 |
| August | August 28, 2025 |
| September | September 25, 2025 |
| October | October 29, 2025 |
| November | November 27, 2025 |
| December | December 20, 2025 |
Quick tip: always make sure your direct deposit details are up to date with Service Canada to avoid payment delays.
How to Apply
If you haven’t started receiving your pension benefits, it’s easy to get the process going.
For CPP:
- apply online through your My Service Canada Account
- or fill out a paper application and mail it to Service Canada
For OAS:
- some Canadians are automatically enrolled
- if not, apply about six months before your 65th birthday
For GIS:
- apply after your OAS application is approved
- your eligibility is reviewed every July based on your tax return
Required Documents:
- Social Insurance Number (SIN)
- proof of age and Canadian residency
- last year’s tax return
And don’t forget — if you skip filing your taxes, you could miss out on GIS.
FAQs
Is the $2,166 pension a new payment?
No, it’s a combined total from CPP, OAS, and GIS benefits.
When is the April 2025 pension payment date?
April 29, 2025.
What is the max CPP payment in 2025?
$1,364.60 per month if you meet contribution limits.
Who qualifies for GIS in 2025?
Low-income OAS recipients earning under $21,456 annually.
How can I update my direct deposit info?
Through your My Service Canada Account or by contacting Service Canada.
