Natalia
Some headlines claim a $3,100 pension boost is coming for all seniors in September 2025.
That’s not how Canada’s retirement benefits work.
You’ll receive your regular Old Age Security (OAS), Guaranteed Income Supplement (GIS) if eligible, and Canada Pension Plan (CPP) on Thursday, September 25, 2025—but there is no universal $3,100 top-up.
What You’ll Actually Receive In September 2025
Old Age Security (OAS)
For July–September 2025, OAS maximums are: $734.95 (ages 65–74) and $808.45 (ages 75+). OAS is adjusted quarterly to reflect inflation and will be paid on September 25, 2025.
Guaranteed Income Supplement (GIS)
GIS supports low-income OAS recipients and is income-tested (it reduces as your other income, like CPP, rises).
For July–September 2025, the maximum monthly amounts are up to $1,097.75 for single seniors and up to $660.78 each for couples (when both receive OAS).
Paid with OAS on September 25, 2025.
Canada Pension Plan (CPP)
CPP is indexed annually (each January) and depends on your lifetime contributions and start age.
In 2025, the maximum retirement pension at age 65 is $1,433.00/month; the average for new retirees (April 2025) is $844.53. Your CPP is also paid on September 25, 2025.
Why The “$3,100” Claim Doesn’t Add Up
You might see totals above $3,000 if someone adds maximum CPP to OAS and then incorrectly stacks a full GIS on top.
In practice, GIS falls as your CPP/other income rises, so you cannot receive both maximum CPP and maximum GIS simultaneously.
Key Dates And Indexation To Watch
- Next payment date: September 25, 2025 for OAS/GIS/CPP.
- OAS indexation: Adjusted quarterly based on CPI (e.g., rates in effect for July–September 2025 shown above).
- CPP indexation: Adjusted annually each January (2025 maximum shown above).
- OAS recovery tax (clawback): For 2025, repayment starts when net world income exceeds roughly the mid-$93,000s (higher upper thresholds apply; see federal stats). If your income breaches this range, some OAS may be repaid via your tax return.
September 2025 Payment Snapshot
| Program | Who Qualifies (High Level) | Max Monthly (Jul–Sep 2025) | How It’s Set | Sept 2025 Pay Date |
|---|---|---|---|---|
| OAS | Most residents 65+; subject to recovery tax at higher incomes | $734.95 (65–74) / $808.45 (75+) | Quarterly CPI indexation | Sept 25, 2025 |
| GIS | Low-income OAS recipients | Up to $1,097.75 (single); up to $660.78 each (couple; both on OAS) | Income-tested; reduces as other income rises | Sept 25, 2025 |
| CPP | Based on contributions; start age 60–70 | Max $1,433.00 (age 65); avg $844.53 (Apr 2025) | Annually indexed (January) | Sept 25, 2025 |
Figures from official Government of Canada pages for OAS/GIS and CPP.
How To Maximize Your September Income
- Use direct deposit to avoid cheque delays; funds land on September 25.
- Review income for GIS: Your 2024 income affects July 2025–June 2026 GIS. If your income went up, expect a lower GIS; if it fell, you might receive more.
- Consider timing: Deferring CPP/OAS increases the monthly amount (CPP by up to +42% if started at 70; OAS also offers deferral increases). Use federal calculators and guidance before deciding.
There is no blanket $3,100 pension boost this month. What you will receive on September 25, 2025 are your normal, indexed OAS/GIS payments and your CPP based on your record.
Understanding how GIS phases out as CPP/other income rises—and keeping an eye on OAS recovery thresholds—is the smartest way to plan your cash flow.
Focus on eligibility, indexation schedules, and strategic claiming/deferral choices rather than viral claims.
FAQs
No. There’s no government-announced $3,100 top-up. Expect your regular CPP, OAS, and GIS on September 25, 2025.