Canadian seniors are wondering: is a monthly $2,650 combined benefit from CPP and OAS now possible? The good news—a substantial portion of retirees can reach this level depending on age, contributions, and deferral strategies.
Let’s explore eligibility details, the breakdown of amounts, and the 2025 payment schedule clearly and accurately
How You Could Reach $2,650 a Month
- The maximum Canada Pension Plan (CPP) at age 65 is $1,433/month.
- The Old Age Security (OAS) maximum for ages 65–74 in 2025 is about $727.67/month, rising to $800.44/month for those 75 and over, adjusted quarterly for inflation .
- Adding these, a senior could reach a combined base total of up to $2,650/month, particularly if maximizing contributions to CPP and OAS eligibility .
Eligibility Rules for CPP & OAS
CPP Eligibility:
- Must have contributed through work in Canada.
- CPP can start between ages 60–70, with full benefits at 65, and enhanced payouts if deferred up to age 70 .
OAS Eligibility:
- Must be 65 or older, a Canadian citizen or legal resident, with at least 10 years of residence in Canada since age 18 (20 years if residing outside Canada) .
- Full OAS requires 40 years of residency after age 18, with prorated benefits for less time .
2025 Payment Dates for CPP & OAS
Both CPP and OAS payments are issued on the same monthly schedule in 2025:
| Month | Payment Date |
|---|---|
| January | Jan 29, 2025 |
| February | Feb 26, 2025 |
| March | Mar 27, 2025 |
| April | Apr 28, 2025 |
| May | May 28, 2025 |
| June | Jun 26, 2025 |
| July | Jul 29, 2025 |
| August | Aug 27, 2025 |
| September | Sep 25, 2025 |
| October | Oct 29, 2025 |
| November | Nov 26, 2025 |
| December | Dec 22, 2025 |
Summary Table of Key Details
| Category | Detail |
|---|---|
| CPP Maximum at 65 | $1,433/month (Jan 2025) |
| OAS Max (65–74) | $727.67/month |
| OAS Max (75+) | $800.44/month |
| Combined Max Total | Up to $2,650/month possible depending on individual eligibility |
| CPP Eligibility | Contributed to CPP; can start between ages 60–70 |
| OAS Eligibility | Age 65+; 10+ years residency (20 if abroad); full after 40 years |
| Payment Schedule | Monthly between Jan 29 and Dec 22, 2025 |
While a $2,650/month total from CPP and OAS isn’t universal, staying informed about eligibility requirements, making maximum contributions, and choosing the right time to start benefits can significantly boost retirement income.
With payments deposited reliably each month, seniors can plan confidently for their financial future.
FAQs
Can every senior get $2,650/month in CPP + OAS?
Not automatically. To approach that amount, you must have the maximum CPP contributions, meet full OAS eligibility criteria, and possibly defer benefits.
What affects my CPP or OAS amount?
CPP varies based on your contribution history, age when you start claiming, and deferral choices.
OAS depends on residency, age, and indexing for inflation; full amount requires 40 years of Canadian residency post‑18.
When will payments arrive in 2025?
CPP and OAS are paid monthly, following a consistent schedule—from Jan 29 through Dec 22, 2025