Many seniors in Canada are wondering if they can receive up to $2,650 per month in 2025 through CPP and OAS combined payments.
The answer is yes—but only for those who meet specific eligibility criteria. This guide explains the full payment structure, how you can qualify, and ways to increase your monthly income in retirement.
CPP and OAS Overview for 2025
In 2025, the Canada Pension Plan (CPP) and Old Age Security (OAS) offer reliable monthly income to eligible seniors.
When combined and supplemented with the Guaranteed Income Supplement (GIS) for low-income retirees, monthly payments can even exceed $3,200.
Payment Breakdown
| Benefit Type | Amount (Monthly, 2025) |
|---|---|
| Max Canada Pension Plan (at age 65) | $1,433.00 |
| Max OAS (ages 65–74) | $727.67 |
| Max OAS (ages 75+) | $800.44 |
| Canada Pension Plan + OAS (65–74) | $2,160.67 |
| Canada Pension Plan + OAS (75+) | $2,233.44 |
| With GIS (Single) | Up to $3,247.55 |
What Is the Canada Pension Plan (CPP)?
The Canada Pension Plan is a contributory benefit based on your employment income. If you’ve worked in Canada and paid into the plan, you earn credits toward a monthly retirement income.
- Max Canada Pension Plan at age 65: $1,433.00/month
- Average Canada Pension Plan payment: $758.32/month
- To receive the maximum, you must contribute the maximum annual amount for around 39 years.
- Self-employed individuals pay both employee and employer contributions.
What Is Old Age Security (OAS)?
OAS is not linked to employment but to residency in Canada. You must have lived in Canada for at least 10 years after age 18 to qualify for partial benefits, or 40 years for the full amount.
OAS Payment Rates for 2025
- Ages 65–74: Up to $727.67/month
- Ages 75+: Up to $800.44/month
OAS is adjusted quarterly to keep up with inflation.
How to Maximize Your CPP and OAS Payments
1. Maximize CPP Contributions
- Work full-time for 39 years with max contributions.
- Check your contribution status in your My Service Canada Account.
- Self-employed? Ensure both portions are paid annually.
2. Build a Strong OAS Record
- Aim for 40 years of residency in Canada after age 18.
- Partial benefits are available with 10–39 years of residency.
- If you lived abroad, international agreements may fill the gap.
3. Apply for GIS If You’re Low-Income
The Guaranteed Income Supplement (GIS) provides additional support to low-income OAS recipients.
- Single seniors: Up to $1,086.88/month
- Couples: Up to $654.23/month per person
- Income threshold (single): Less than $22,056/year
- Income threshold (couples): Less than $29,136/year
GIS is non-taxable and can push your total monthly income beyond $3,200.
Real-Life Examples
Linda (Age 67, Retired Teacher)
- 40 years of CPP contributions
- Full OAS eligibility
Monthly Breakdown: - CPP: $1,433
- OAS: $727.67
- Total: $2,160.67
Linda doesn’t qualify for GIS due to her pension, but she enjoys a comfortable retirement.
George (Age 75, Part-Time Worker)
- 30 years of CPP contributions
- Partial OAS eligibility with low income
Monthly Breakdown: - CPP: $1,200
- OAS: $800.44
- GIS: $600
- Total: $2,600.44
Thanks to GIS, George lives well despite a varied career.
Other Support Programs to Consider
| Program | Details |
|---|---|
| Allowance for the Survivor | For low-income widows aged 60–64 |
| GAINS (Ontario) | Provincial top-up for OAS/GIS recipients |
| Alberta Seniors Benefit | Additional financial help for Alberta seniors |
With the right combination of work history, residency, and income level, seniors in Canada can receive up to $2,650 per month through CPP and OAS in 2025.
Some may even surpass that with GIS and provincial supplements. Check your records, apply early, and consider delaying benefits to maximize your monthly payments.
FAQs
Can I get both CPP and OAS at the same time?
Yes, eligible seniors receive both CPP and OAS if they meet the contribution and residency requirements.
How can I increase my CPP payments?
You can increase your CPP by contributing the maximum over many years or by delaying your CPP until age 70 for a higher monthly amount.
What happens if I lived outside Canada for some time?
You may still be eligible for partial OAS. Canada also has agreements with several countries to count foreign work/residency periods.