CPP Payment Dates 2025: November Schedule, Eligibility, and Key Benefits Unveiled

In November 2025, the Canada Pension Plan (CPP) payment is set for November 26, while Old Age Security (OAS) payments will be available on November 27 for most recipients. For Quebec residents, payments under the Quebec Pension Plan (QPP) are scheduled for November 28.

Importance of Direct Deposit

To avoid postal delays, Service Canada recommends recipients switch to direct deposit. Those who continue to receive paper cheques may experience delays of several days. Switching to direct deposit can be done easily through the My Service Canada Account to ensure you receive your payments on time.

Eligibility for CPP

To qualify for CPP, you must be at least 60 years old with at least one valid contribution. Taking CPP earlier than 65 incurs a monthly penalty of 0.6% for each month before, with a maximum reduction of 36%. Conversely, delaying until age 70 can increase your monthly benefit by up to 42%.

CPP Payment Amounts and Benefits

In 2025, the average monthly amount for new 65-year-old beneficiaries ranges from $848 to $899. The maximum monthly benefit at age 65 can reach $1,433. Additional CPP benefits include:

• Disability pension: Up to $1,673 monthly; average $1,381 for combined survivor/disability benefits.
• Post-retirement benefit: Maximum of $49.
• Survivor’s pension (under 65): Up to $771.
• Death benefit: One-time payment between $2,500 and $2,559.

All CPP amounts adjust annually according to the Consumer Price Index, ensuring benefits keep pace with inflation.

Understanding OAS Benefits

OAS is distinct from CPP because it does not require a work history. Canadians aged 65 and older who have lived in Canada for at least 40 years after age 18 qualify for full benefits. Recent adjustments saw OAS payments increase by 0.7% in the last quarter of 2025.

• Maximum OAS for ages 65-74: $740, with income limits.
• For ages 75+: $814, with a 10% automatic boost at age 75.

Additional supports include the Guaranteed Income Supplement (GIS) and various allowance/survivor benefits.

Misinformation and Myths

Individuals should be cautious of rumors about double payments or bonus payments for CPP or OAS. Service Canada has confirmed that no additional payments or windfalls will occur in November 2025. For any updates or concerns, individuals should refer to official channels or contact Service Canada directly.

Planning for Retirement Income

CPP and OAS typically provide between $1,600 and $2,200 monthly for many Canadians. However, these benefits only cover around 40% of pre-retirement income. It is essential to have additional savings, such as Tax-Free Savings Accounts (TFSAs) or Registered Retirement Savings Plans (RRSPs).

Payment Schedule for November and December 2025

Make sure to keep your banking details updated in your Service Canada account to receive uninterrupted payments. As the number of Canadians relying on CPP and OAS rises, understanding these payment dates and benefits is crucial for effective retirement planning.