As of April 2025, Canadian seniors may qualify for up to $1,700 or more per month through a combination of the Canada Pension Plan (CPP) and Old Age Security (OAS) benefits.
With the ongoing rise in living expenses and inflation, these programs are vital for older Canadians who rely on fixed retirement income.
This article will explore eligibility criteria, payment amounts, the application process, and other important details, ensuring that seniors understand everything they need to know for a smooth application process.
Canada $1,700 CPP Payment in April 2025: Key Information
The combination of CPP and OAS provides essential monthly financial support to seniors during retirement.
The maximum monthly payment can exceed $2,200, but the typical payment ranges between $1,500 and $1,700 based on factors like work history and residency. Here’s a breakdown of the April 28, 2025 payment details.
| Aspect | Details |
|---|---|
| Maximum Monthly CPP Payment | $1,433.00 (at age 65) |
| Maximum Monthly OAS Payment | $727.67 (ages 65–74), $800.44 (ages 75+) |
| Combined Monthly Benefit | Up to $2,233.44, depending on contributions and age |
| Payment Date (April 2025) | April 28, 2025 |
| Eligibility Criteria | Age 60+ for CPP, 65+ for OAS; residency and contribution requirements apply |
| Application Process | Apply online via My Service Canada Account or by mail |
| Taxation | Both benefits are taxable |
| OAS Clawback Threshold | Starts at $93,454 in annual income; full repayment above ~$157,490 (ages 75+) |
| Other Support | Guaranteed Income Supplement (GIS) for low-income seniors |
| Official Resource | Canada.ca – Public Pensions |
Understanding the CPP and OAS Programs
What Is the Canada Pension Plan (CPP)?
The Canada Pension Plan (CPP) is a monthly taxable benefit designed to replace a portion of your income after retirement. Here’s what you need to know about CPP:
- Eligibility: Must be at least 60 years old and have made at least one valid contribution to CPP during your working years.
- Payment Amount: The amount you receive depends on factors like how much and how long you contributed, your average earnings, and the age at which you start your pension.
- The maximum CPP payment is $1,433 per month at age 65 in 2025; however, many recipients will receive less due to early retirement or lower contributions.
What Is Old Age Security (OAS)?
The Old Age Security (OAS) program provides a monthly benefit to Canadians aged 65 and older, and it is not linked to your work history but to your legal status and residency in Canada. Key details include:
- Eligibility: Must be 65 or older, and have lived in Canada for at least 10 years after turning 18. If you have lived in Canada for 40 years or more after age 18, you will qualify for the full OAS amount. If you have fewer years of residency, your OAS will be pro-rated.
As of 2025:
- For those ages 65–74, the OAS payment is $727.67/month.
- For those ages 75+, the OAS payment increases to $800.44/month.
Combined Monthly Benefit: CPP + OAS
While CPP and OAS are distinct programs, many seniors receive both benefits. If you qualify for maximum payments, your combined monthly benefit could exceed $2,200.
However, the typical combined amount falls between $1,500 and $1,700 for most recipients, offering crucial financial support for seniors without additional retirement income.
April 2025 Payment Date
The April 2025 payments for CPP, OAS, and other benefits will be distributed on Monday, April 28, 2025. This applies to recipients of:
- CPP Retirement Pension
- OAS Pension
- Guaranteed Income Supplement (GIS)
- CPP Survivor or Disability Benefits
Most payments are made via direct deposit, but if you receive a cheque, please allow additional time for postal delivery.
How to Apply for Canada $1,700 CPP Payment in April 2025
Applying for CPP
You should apply for CPP approximately six months before you wish to start receiving your pension. There are two application methods:
- Online through your My Service Canada Account.
- By mail, using the official CPP application form.
When applying, choose the start date for your pension. Keep in mind that applying early (before age 65) will result in a permanent reduction in your payment, while delaying your application will increase the monthly amount.
Applying for OAS
Some seniors are automatically enrolled in OAS and will receive a notification. If you do not receive this, you must apply:
- Online via the My Service Canada Account.
- By mail using the OAS application form.
To avoid delays, apply for OAS six months before your 65th birthday.
Other Support for Seniors: GIS and Allowances
Seniors with low income may qualify for additional support programs:
Guaranteed Income Supplement (GIS)
The GIS is a non-taxable monthly payment available to OAS recipients with low income. As of 2025, the maximum amounts are:
- Single seniors earning less than $22,056 can receive up to $1,086.88/month.
- Couples with a combined income under $29,136 can receive up to $654.23/month per person.
You can apply for GIS at the same time as OAS or later if your income drops.
Spousal and Survivor Benefits
- Allowance: Available to low-income individuals aged 60–64 whose spouse receives OAS and GIS.
- Survivor’s Pension: The CPP benefit available to the surviving spouse or partner of a deceased contributor.
Tax Implications and the OAS Clawback
Both CPP and OAS benefits are taxable. You will receive a T4A(P) and T4A(OAS) slip to include in your tax filing.
OAS Recovery Tax (Clawback)
If your annual income exceeds $93,454, you may be required to repay part of your OAS through the OAS Recovery Tax. The full clawback will be applied if your income surpasses:
- $151,668 (ages 65–74)
- $157,490 (ages 75+)
The Canada Pension Plan (CPP) and Old Age Security (OAS) provide critical support to Canadian seniors in April 2025. With potential monthly payments of up to $2,200, these benefits can help seniors maintain financial independence during retirement.
Ensure you’re aware of the eligibility criteria, application processes, and important payment dates to maximize the benefits you receive. Additionally, low-income seniors may qualify for Guaranteed Income Supplement (GIS) to further enhance their financial support.
FAQs
How do I apply for CPP and OAS benefits?
You can apply for CPP and OAS online through your My Service Canada Account or by mail.
What is the maximum monthly OAS payment?
The maximum OAS payment is $727.67 per month for individuals aged 65–74 and $800.44 for those aged 75+.
Can I receive GIS if my income is low?
Yes, seniors with low income may qualify for the Guaranteed Income Supplement (GIS), which provides additional non-taxable benefits.