Triple Pension Payments In September 2025 – CPP, OAS & GIS Explained

Triple Pension Payments: September 2025 will be a special month for Canadian seniors.

On September 25, 2025, three major retirement benefits — the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS) — will all be paid on the same day.

This “triple pension payment” is a big relief for seniors who depend on these programs to cover their daily needs.

With inflation and living costs still rising, getting three payments at once will help seniors manage their monthly budget, pay for essentials like food, rent, and utilities, and reduce financial stress.

Let’s break down the payment amounts, eligibility rules, and what this means for Canadian retirees.

Understanding the Three Benefits

Canada Pension Plan (CPP)

The Canada Pension Plan is a retirement benefit for Canadians who worked and contributed during their careers.

• Taxable income
• Amount depends on how long and how much you contributed
• Can start as early as 60 years old (with lower payments)
• Can delay until 70 years old for higher payments

Old Age Security (OAS)

The Old Age Security pension is funded by the government and does not depend on personal contributions.

• Available for most Canadians aged 65+
• Adjusted quarterly to match inflation
• Higher payments for seniors aged 75+
• High-income seniors may face a clawback tax

Guaranteed Income Supplement (GIS)

The Guaranteed Income Supplement is a non-taxable monthly benefit for low-income seniors who already receive OAS.

• Based on household income and marital status
• Different amounts for single seniors and couples
• Must file taxes yearly to stay eligible

September 2025 Payment Dates

All three benefits will be deposited on the same day:

Benefit	Payment Date
CPP	September 25, 2025
OAS	September 25, 2025
GIS	September 25, 2025

This means seniors receiving multiple benefits will get triple payments on September 25.

How Much Will Seniors Receive?

Here are the confirmed maximum amounts for September 2025:

Program	Monthly Maximum (Sept 2025)
CPP	$1,433.01
OAS (65–74)	$713.34
OAS (75+)	$784.67
GIS (Single)	$1,065.47
GIS (Couple, each)	$641.35

A senior who qualifies for the maximum in all three could receive over $3,200 in one month.

Eligibility Requirements

CPP Eligibility

• Must have contributed to CPP during working years
• Must be at least 60 years old
• Payment depends on contributions and lifetime earnings

OAS Eligibility

• Must be 65 years or older
• Must have lived in Canada for at least 10 years after age 18 (for partial pension)
• 40 years of residence needed for full OAS
• Must be a Canadian citizen or legal resident

GIS Eligibility

• Must already receive OAS
• Income must be below the GIS limit
• Must file annual tax returns

Why This Triple Payment Matters

The September 2025 payment is especially important because:

• Fall and winter months bring higher household costs like heating and groceries
• Seniors can better plan their monthly budgets
• It provides extra income security for low- and middle-income retirees

Direct Deposit for Faster Payments

The government strongly recommends direct deposit.

• Payments arrive instantly on the scheduled date
• No delays or risks of lost cheques
• Seniors get faster access to money for bills and essentials

Those who still receive paper cheques may need to wait a few extra days.

September 2025 will bring a welcome financial boost for Canadian seniors. With CPP, OAS, and GIS all being paid on the same day, retirees will have more financial security to manage rising living costs.

By registering for direct deposit and understanding eligibility rules, seniors can make the most of these benefits. This triple payment is not just about money — it’s about peace of mind, stability, and dignity in retirement.

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