Seniors to Get $1,200 OAS, $100 CPP & $800 GIS in April: Canadian seniors can expect a significant financial boost in April 2025, with increased payments under the Old Age Security (OAS), Canada Pension Plan (CPP), and Guaranteed Income Supplement (GIS) programs. These programs are cornerstones of Canada’s retirement support system, and this month, they bring especially important financial relief that is essential in helping seniors maintain their quality of life.
In an era of rising living costs and economic uncertainty, having clarity about your retirement income sources is more important than ever. These monthly government pensions not only offer critical financial security but also represent the country’s commitment to the well-being of its aging population. The more you understand about these programs, the better you can plan for a sustainable and worry-free retirement.
Whether you’re planning your own finances, helping a senior relative, or guiding clients as a financial planner, community worker, or caregiver, this article offers a clear, friendly, and expert breakdown of how these benefits work and how to access them. Our goal is to ensure every eligible Canadian senior knows how to claim what they deserve.
Seniors to Get $1,200 OAS, $100 CPP & $800 GIS in April
| Benefit | Amount (Max) | Eligibility | Payment Date |
|---|---|---|---|
| Old Age Security (OAS) | Up to $800.44/month | 65+ years, legal resident, 10+ years in Canada | April 28, 2025 |
| Guaranteed Income Supplement (GIS) | Up to $1,086.88/month | Low-income OAS recipients | April 28, 2025 |
| Canada Pension Plan (CPP) | Up to $1,433.44/month | Contributed during working years | April 28, 2025 |
With April 2025 just around the corner, now is the time for Canadian seniors and their families to review and prepare for the upcoming OAS, GIS, and CPP payments. These government programs offer essential monthly support that many rely on to cover everyday costs and maintain a decent standard of living.
Understanding the eligibility criteria, application process, and timing is crucial. Whether you’re already receiving benefits or planning to apply soon, staying informed is the best way to protect your retirement income.
These programs not only represent financial security—they reflect Canada’s collective promise to care for our elders. Don’t miss out on benefits you’ve earned. Take action today.
What Is the $1,200 OAS, $100 CPP & $800 GIS All About?
You may have come across headlines suggesting that seniors in Canada will receive $1,200 for OAS, $100 for CPP, and $800 for GIS in April. It’s important to clarify that these figures reflect maximum monthly entitlements, not one-time bonus payments. The actual amounts you receive depend on your personal eligibility factors, such as your age, residency, income level, and work history.
Combined, these three government-administered programs can provide eligible seniors with over $3,000 in monthly income—a critical financial buffer that helps cover essential expenses such as rent, groceries, medication, utilities, and transportation. For many seniors, these programs make the difference between financial independence and hardship.
Let’s break down what each program provides, who qualifies, and how to access them.
Old Age Security (OAS)
OAS is one of the most important retirement programs in Canada. Funded through general tax revenues, OAS is available to most Canadians aged 65 and older. It is not linked to employment history, which means even if you never worked or contributed to CPP, you may still qualify for OAS.
- Canadians aged 65 to 74 can receive up to $727.67/month
- Canadians aged 75 and older receive up to $800.44/month as of Q1 2025
OAS Eligibility Criteria:
- Must be 65 years or older
- Must be a Canadian citizen or legal resident
- Must have lived in Canada for at least 10 years after the age of 18
Even if you live outside of Canada now, you may still qualify for OAS if you’ve lived in Canada for 20 or more years and meet other residency requirements.
Check your OAS eligibility here
Guaranteed Income Supplement (GIS)
GIS is an income-tested supplement for low-income seniors who already qualify for OAS. It is not taxable and is intended to help ensure that every senior in Canada has the means to meet basic living costs. Many seniors rely on GIS to supplement their modest OAS and CPP incomes.
- Single seniors may receive up to $1,086.88/month
- Couples where both partners receive OAS can receive up to $654.23/month per person
GIS Eligibility:
- Must be receiving OAS
- Must have annual income below $22,056 (for single seniors)
- Couples with combined income below $29,136 may qualify
The GIS benefit is calculated annually based on your income tax return. If your income drops due to retirement or other reasons, you can contact Service Canada to request a reassessment.
Learn more about GIS benefit amounts
Canada Pension Plan (CPP)
CPP provides monthly retirement income to people who contributed to the plan during their working years. Unlike OAS, CPP benefits are based entirely on how much you contributed and for how long.
- Maximum monthly CPP payment in 2025: $1,433.44
- Average monthly payment currently received: approximately $772
CPP Eligibility:
- Must have made valid contributions to CPP during your working years
- Can begin collecting CPP as early as age 60, but payments are reduced
- Waiting until age 70 increases your monthly benefit significantly
For every month you delay after age 65, your CPP payment increases by 0.7%, or 8.4% per year. If you’re healthy and can afford to wait, it may be beneficial to delay taking CPP to maximize your income.
CPP retirement pension details
When Will These Payments Be Made?
The official payment date for all three programs—OAS, GIS, and CPP—is April 28, 2025. This applies to all eligible individuals across Canada.
- Direct deposit recipients will receive their payments on April 28, 2025
- Cheque recipients should expect delays of several business days, depending on postal service delivery times
To check your payment status, ensure your banking and contact information is up to date via your My Service Canada Account (MSCA). You can also view your past payments and upcoming deposits in your MSCA.
How to Check Your Eligibility and Apply
Navigating government programs might seem overwhelming at first, but breaking it down into simple steps makes the process much more manageable. Here’s a step-by-step guide:
Step 1: Confirm Age and Residency
- You must be 65+ for OAS and GIS, and at least 60 for CPP
- Review your residency history to ensure you meet requirements
Step 2: Review Your Income
- Gather your 2024 Notice of Assessment or most recent tax documents
- Use your net income to determine GIS eligibility
Step 3: Log Into Your Online Service Canada Account
Use the MSCA portal to:
- View your estimated benefits
- Apply for or renew benefits
- Update personal and banking information
Step 4: Submit Applications
- CPP must be applied for manually; start at least 6 months in advance
- OAS and GIS may be automatic for some, but it’s always best to verify
Apply for CPP here
Practical Advice for Seniors and Families
- Apply Early: Start the application process at least 6 months before turning 65
- Keep Records: Maintain a file of your tax returns, correspondence with Service Canada, and benefit statements
- Update Your Info: Changes in income, marital status, or address should be promptly reported
- Consider Delaying CPP: If you’re still working or have other income, delaying CPP could boost your long-term monthly income
- Seek Help: Speak to a trusted advisor, local community group, or Service Canada for free guidance
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FAQs About Seniors to Get $1,200 OAS, $100 CPP & $800 GIS in April
Is the $1,200 OAS payment a one-time bonus?
No. It represents the combined total of OAS and GIS for those who qualify for the maximum amounts. These are monthly, recurring benefits.
Can I receive CPP and OAS at the same time?
Yes. Most seniors receive CPP and OAS simultaneously, and if eligible, GIS as well.
What if I’ve never worked in Canada?
You may still qualify for OAS and GIS, as these are not based on employment history. However, you won’t qualify for CPP unless you contributed.
Are these payments taxable?
- CPP and OAS are taxable income
- GIS is non-taxable and does not need to be included in your income tax return
How can I get help applying?
- Visit a Service Canada office
- Call 1-800-277-9914
- Get assistance from a nonprofit or seniors’ advocacy organization
