Canadian seniors can expect a financial boost this October 2025 as the federal government rolls out increased payments for both the Canada Pension Plan (CPP) and Old Age Security (OAS). These enhancements aim to help retirees cope with rising living costs and maintain a better standard of living. The new payment amounts, eligibility criteria, and timing are crucial for those relying on fixed incomes. This article breaks down who qualifies for these increases, how much more you can expect to receive, and what actions—if any—you need to take to ensure you don’t miss out on the benefits.
CPP and OAS Payment Increases: What’s Changing in October 2025?
Starting in October 2025, both CPP and OAS payments are being adjusted upward in response to inflation and cost-of-living metrics. The Canada Revenue Agency (CRA) and Employment and Social Development Canada (ESDC) have confirmed that eligible seniors will receive as much as $3,600 more annually under this revised scheme. CPP increases apply primarily to contributors who’ve met the maximum earnings threshold, while OAS hikes are tailored based on age brackets—seniors aged 75 and older will see a higher raise than those between 65 and 74. These adjustments are automatically applied, so there’s no need to reapply.
Who Qualifies for the CPP and OAS Hike?
To be eligible for the Canada Pension Plan increase, individuals must have made sufficient contributions during their working years and be currently receiving CPP benefits. For Old Age Security, the payment hike is available to Canadian residents aged 65 and over. Notably, those aged 75 and older as of October 2025 will see the highest OAS increase. Furthermore, to qualify, seniors must meet the residency and income criteria as set by the federal government. There is no additional application process—if you’re eligible, the payment will be issued automatically.
How Much More Will Seniors Receive in October 2025?
The average increase for CPP recipients is expected to be approximately $150 per month, depending on contribution history. OAS recipients aged 65–74 will see a $90 monthly increase, while those aged 75+ could receive up to $130 more per month. These revised payments will reflect in bank accounts starting mid-October 2025. This hike is part of the government’s ongoing strategy to provide economic relief to vulnerable seniors, especially in the wake of inflation and healthcare-related expenses. It’s important for seniors to check their My Service Canada Account for exact figures.
When Will the Increased CPP and OAS Payments Arrive?
According to official schedules, the enhanced CPP and OAS payments will begin rolling out from **October 15, 2025**. Seniors who receive direct deposit should see the updated amounts in their accounts on that date. Those receiving paper cheques may experience a delay of 3–5 business days. It’s recommended to set up or confirm direct deposit through Service Canada to avoid any delays. The increase is permanent and will reflect in subsequent monthly payments. No separate notification is expected—recipients should monitor their payment history for confirmation.
CPP and OAS Payment Increase Table – October 2025
| Benefit Type | Previous Monthly Amount | New Monthly Amount | Increase | Effective Date |
|---|---|---|---|---|
| CPP (Average) | $1,065 | $1,215 | +$150 | October 15, 2025 |
| OAS (Aged 65–74) | $713 | $803 | +$90 | October 15, 2025 |
| OAS (Aged 75+) | $784 | $914 | +$130 | October 15, 2025 |
| GIS (Supplemental) | $1,065 | $1,165 | +$100 | October 15, 2025 |
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FAQs: CPP and OAS Payment Increase – October 2025
Q1: Do I need to apply for the CPP or OAS increase?
No, the hike is applied automatically for eligible seniors.
Q2: When will the new payments start?
The revised payments begin on October 15, 2025.
Q3: Are OAS increases different based on age?
Yes, seniors aged 75+ receive a higher OAS boost.
Q4: Can I view my increased amount online?
Yes, check your My Service Canada Account for exact figures.
