For millions of Canadian seniors, the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS) are crucial monthly benefits that help cover everyday expenses. These payments provide financial stability, especially during times of high inflation and rising living costs.
To help seniors plan their budgets, the federal government has confirmed the exact deposit dates for October and November 2025.
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CPP, OAS, and GIS Payment Dates
All three major benefits—CPP, OAS, and GIS—are paid on the same schedule. Seniors can expect their deposits on the following dates:
- October 29, 2025 (Wednesday)
- November 26, 2025 (Wednesday)
Payments will arrive by direct deposit for most seniors, which is the fastest and most secure option. Those receiving cheques may face delays of several days depending on postal delivery times.
Old Age Security (OAS) Payment Rates
OAS payments are adjusted every quarter to keep pace with inflation, as measured by the Consumer Price Index (CPI). From October to December 2025, the maximum monthly rates are:
- Ages 65–74: $740.08
- Ages 75 and older: $814.09
These rates reflect the latest 0.7% increase announced for the October–December 2025 quarter.
Guaranteed Income Supplement (GIS)
The GIS provides extra financial support for low-income seniors receiving OAS. Like OAS, GIS payments are reviewed quarterly and adjusted for inflation.
The amount a senior receives depends on their income and marital status. For example, seniors with very low or no other income can receive several hundred dollars monthly in addition to OAS, ensuring a stronger financial safety net.
Canada Pension Plan (CPP)
Unlike OAS, CPP benefits are based on a person’s individual contributions during their working years. Payment amounts vary depending on how long a person contributed and at what income level.
In 2025, the maximum new retirement pension for someone starting at age 65 is more than $1,400 per month. Most seniors, however, receive less than the maximum. CPP benefits are also indexed annually in January to reflect increases in the cost of living.
Why These Dates Matter
Knowing the exact payment schedule is important for seniors managing fixed incomes. With rising food, housing, and medical costs, being able to plan around the October 29 and November 26 deposits helps ensure bills and essentials are covered.
For many, these payments—when combined—form the backbone of retirement income:
- CPP provides income based on work history
- OAS offers universal support for those who meet residency requirements
- GIS ensures low-income seniors receive additional help
Key Takeaways for October and November 2025
- Deposit Dates: October 29 and November 26, 2025
- OAS Rates: $740.08 (ages 65–74) and $814.09 (ages 75+)
- GIS: Income-tested support available for low-income seniors
- CPP: Contribution-based pension, indexed annually each January
- Direct deposit is the fastest way to ensure on-time payments