Sanela
September 2025 will be an important month for Canadian retirees, as for the first time this year, three major retirement benefits — the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS) — will all be paid on the same day.
For millions of seniors, this coordinated payment schedule provides much-needed relief in managing rising living expenses caused by inflation. This guide explains the payment dates, expected amounts, and eligibility criteria.
Understanding CPP, OAS, and GIS
Canada Pension Plan (CPP)
- A monthly pension based on contributions made during your working years.
- Payments vary depending on how much and how long you contributed.
- Can be claimed as early as age 60 (at a reduced rate) or delayed until age 70 for a higher benefit.
Old Age Security (OAS)
- A monthly benefit for Canadians aged 65 and older.
- Funded through taxes and unrelated to employment history.
- Adjusted every three months to reflect inflation.
Guaranteed Income Supplement (GIS)
- A non-taxable benefit designed for low-income seniors.
- Amounts vary depending on income and marital status.
- Only available to those already receiving OAS.
September 2025 Triple Pension Payment Date
The Government of Canada has confirmed that all three benefits will be issued on the same day:
| Benefit | Payment Date |
|---|---|
| CPP | September 25, 2025 |
| OAS | September 25, 2025 |
| GIS | September 25, 2025 |
This alignment means that seniors eligible for more than one program will receive all payments together, simplifying household budgeting.
How Much Will Seniors Receive in September 2025?
Canada Pension Plan (CPP)
- Maximum monthly retirement pension: $1,433.01.
- Actual payments depend on personal contributions and retirement age.
Old Age Security (OAS) – July to September 2025
- $713.34 for seniors aged 65–74.
- $784.67 for seniors aged 75 and older.
Guaranteed Income Supplement (GIS) – July to September 2025
- Single seniors: up to $1,065.47.
- Couples (both on OAS): up to $641.35 each.
Together, a low-income senior receiving CPP, OAS, and GIS could collect over $3,200 per month.
Eligibility Criteria
CPP
- Must have contributed during working years.
- Minimum age: 60 years.
- Payment amount based on contributions and earnings history.
OAS
- Minimum age: 65 years.
- Must have lived in Canada for at least 10 years after turning 18 (40 years required for full OAS).
- Must be a Canadian citizen or legal resident.
GIS
- Must already be receiving OAS.
- Income must fall below the annual GIS threshold.
- Seniors must file taxes each year to remain eligible.
Why This Triple Payment Matters
The September 2025 triple pension payment provides an essential financial boost at a time when seniors face higher costs for housing, food, and utilities. Receiving all three benefits on the same day reduces uncertainty and improves financial planning.
To avoid delays, seniors are encouraged to sign up for direct deposit, ensuring their payments arrive securely and on time.
September 25, 2025, marks a significant date for Canadian seniors, as CPP, OAS, and GIS will be paid together for the first time this year. For eligible retirees, this could mean more than $3,200 in monthly income, offering valuable financial stability. Seniors should confirm their eligibility, update information with the CRA and ESDC, and ensure tax filings are current to avoid disruptions.
FAQs
Yes, but only if they qualify for more than one benefit. Eligible seniors receiving CPP, OAS, and GIS will get all payments on the same date.
Yes, you can qualify with at least 10 years of residence after age 18, though the amount may be reduced if you don’t meet the 40-year requirement.
Yes, GIS is not automatic. Seniors must apply, show proof of low income, and file taxes each year to maintain eligibility.
