The Canadian Pension Plan and Old Age Security November payments arrive soon for eligible Canadians.
Canadians receiving CPP and OAS payments can expect their November 2025 benefits to arrive soon. According to the latest government schedule, all eligible recipients will receive their monthly payments on Wednesday, Nov. 26. The update comes as many seniors review benefit changes, cost-of-living adjustments, and concerns about possible delivery delays.
CPP and OAS Payments Coming on Nov. 26
The federal government confirmed that Canada Pension Plan (CPP) and Old Age Security (OAS) benefits will be deposited in the final week of November. Anyone enrolled in direct deposit will receive their payments automatically in their bank accounts on the scheduled date.
Canadians who still rely on mailed cheques are encouraged to sign up for direct deposit to avoid delays during holiday mail congestion.
OAS Payments Increase for Fall 2025
OAS beneficiaries will see a 0.7% increase in payments from October to December 2025.
Employment and Social Development Canada spokesperson Mila Roy confirmed that this quarterly adjustment reflects the rising cost of living. The increase means OAS payments have risen 1.7% overall from October 2024 to October 2025.
OAS is reviewed quarterly—January, April, July, and October. Payments never decrease, even if inflation slows.
Will Canada Post Strikes Affect CPP or OAS?
Despite Canada Post’s rotating labour disruptions, the government says no delays are expected for CPP and OAS cheques.
A spokesperson for Employment and Social Development Canada stated, “We are not anticipating any delays with the delivery of OAS and CPP cheques in upcoming months.”
Still, the government urges all beneficiaries to switch to digital payment to ensure secure and uninterrupted benefits.
Other Government Benefits Arriving in November
November is a busy month for federal and provincial payouts. In addition to CPP and OAS, the following benefits will also be issued:
- Ontario Trillium Benefit
- Canada Disability Benefit
- Canada Child Benefit
- Ontario Disability Support Program (ODSP)
- Veteran Disability Pension
These payments help millions of Canadians manage rising expenses as the year closes.
CPP Payment Dates for 2025
Here are the official CPP payment dates for 2025:
- Jan. 29
- Feb. 26
- March 27
- April 28
- May 28
- June 26
- July 29
- Aug. 27
- Sept. 25
- Oct. 29
- Nov. 26
- Dec. 22
How Much Will My CPP Payment Be?
To receive CPP, you must be 60 or older and have made at least one valid contribution. Payment amounts vary by individual and depend on:
- When you choose to start receiving CPP
- The number of years you contributed
- Your average lifetime earnings
As of January 2025:
- Maximum CPP at age 65: $1,433 per month
- Average CPP (April 2025): $844.53 per month
Actual amounts may differ. Canadians can check their expected CPP payment on their My Service Canada Account.
Who Qualifies for OAS?
To receive OAS, you must be 65 or older. Most Canadians are enrolled automatically, and Service Canada will notify you if you qualify.
Updated OAS Maximum Amounts for Fall 2025
From October to December 2025, maximum OAS payments are:
- Ages 65–74: $740.09 per month
- Ages 75+: $814.10 per month
This marks an increase of $5–$6 from the previous quarter.
Eligibility for OAS also depends on income. Your 2024 net world income must be:
- Under $148,541 (ages 65–74)
- Under $154,196 (ages 75+)
The Canada Revenue Agency also provides an online OAS payment estimator to help seniors anticipate their benefits.
What If My CPP or OAS Payment Doesn’t Arrive?
If your CPP or OAS payment does not show up on Nov. 26, the government advises waiting 10 business days before contacting the Canada Revenue Agency.
Timely benefit payments are essential for millions of Canadians. With updated OAS increases, steady CPP deposits, and clear payment schedules, November brings much-needed financial predictability for seniors and eligible Canadians relying on government support.
