$808- $1,433- $1,097 OAS, GIS & CPP: Triple Pension Benefit in September 2025
Triple Pension Payments in September 2025: OAS, GIS & CPP benefits explained to be received, check if you are eligible for all these to get paid.
For many seniors, retirement brings a new phase of life, one that should be filled with comfort, stability, and peace of mind. To support this transition, the government provides essential pension benefits designed to meet the financial needs of aging citizens. In September 2025, eligible seniors will receive combined payments from three important programs:
Old Age Security (OAS)
Guaranteed Income Supplement (GIS)
Canada Pension Plan (CPP)
These benefits form a vital safety net, helping seniors live with dignity, cover essential expenses, and enjoy their retirement years without constant financial worry. In this article, we’ll explore in-depth how these programs work, who qualifies, and how you can make the most of them.
When Are the Payments Scheduled?
In September 2025, seniors can expect to receive their payments around the same time:
- OAS & GIS payments will be credited on September 25, 2025, the third business day of the month.
- CPP payments will also be made on September 25, 2025.
It’s always a good idea to double-check with your financial institution to confirm deposit timelines, as processing times may vary.
1. Old Age Security (OAS) Pension?
The Old Age Security (OAS) is a foundational pension specifically designed for the basic monthly income needs of seniors aged 65 or older. It is not based on employment history but on residency requirements and income levels, making it accessible to many seniors across Canada.
Available at age 65 or older
Doesn’t require prior employment contributions
Income-tested for higher earners
People Also Read: OAS Payment Dates
How Much Can You Receive?
For September 2025, the payment amounts are as follows:
- Ages 65-74: Up to $734.95 per month if your net income is below $148,451.
- Ages 75+: Up to $808.45 per month, provided your income is under $154,196.
If you’ve lived in Canada for fewer than 40 years after turning 18, you may qualify for a prorated amount. For example, if you’ve lived in Canada for 20 years, you could be eligible for 50% of the full benefit.
2. Guaranteed Income Supplement (GIS): Additional Support for Low-Income Seniors
The Guaranteed Income Supplement (GIS) provides an extra monthly benefit to seniors who already receive OAS but have limited income and they are needed. It ensures that those with modest means can meet their basic living expenses comfortably.
Who Qualifies?
Must be receiving the OAS pension
Must have a low annual net income
Income thresholds vary based on marital status and partner’s benefits
Payment Details for September 2025:
- Single, widowed, or divorced: Up to $1,097.75 per month for incomes below $22,272.
- Married/common-law, partner receiving full OAS: Up to $660.78 per month, income below $29,424.
- Married/common-law, partner receiving Allowance: Up to $660.78, income below $41,184.
- Married/common-law, partner not receiving OAS or Allowance: Up to $1,097.75, income below $53,376.
GIS payments are reviewed and recalculated on a yearly basis to cross-check changes in cost of living and other factors.
3. Canada Pension Plan (CPP): Contributions-Based Retirement Income
The Canada Pension Plan (CPP) is a retirement benefit based on what you have contributed throughout your working period. Unlike OAS, it requires you to have paid into the plan during your employment years.
Important Features:
Benefits depend on how much and how long you’ve contributed
Payments start at age 60 and can be deferred until age 70
Early retirement reduces the amount, while delaying it increases the monthly pension
How Much Will You Receive?
- At 65: Payment amounts depend on your contribution history.
- At 60: Starting early can reduce your benefit.
- At 70: Delaying increases your payment by 0.7% for each month you defer, up to a 42% boost.
Below is a compiled table detailing the monthly payment amounts per pension for September 2025, based on the eligibility and income thresholds:
| Pension Type | Eligibility Criteria | Maximum Monthly Amount (September 2025) | Income Threshold |
|---|---|---|---|
| Old Age Security (OAS) | Age 65–74, residency in Canada | $734.95 | Net income below $148,451 |
| Age 75 and above | $808.45 | Net income below $154,196 | |
| Guaranteed Income Supplement (GIS) | Single, widowed, or divorced | $1,097.75 | Net income below $22,272 |
| Married/common-law, partner receiving full OAS | $660.78 | Combined net income below $29,424 | |
| Married/common-law, partner receiving Allowance | $660.78 | Combined net income below $41,184 | |
| Married/common-law, partner not receiving OAS/Allowance | $1,097.75 | Combined net income below $53,376 | |
| Canada Pension Plan (CPP) | Based on contributions during working years | Varies by contribution and age at start; delayed payments can increase up to 42% | No fixed threshold, based on contribution history |
Who is Eligible for These Programs?
OAS:
Must be 65 or older
Must have lived in Canada for at least 10 years after age 18
Income tested but widely accessible
GIS:
Must receive OAS
Must have a low income
Amount depends on marital status and income thresholds
CPP:
Must have contributed to the CPP during working years
Payments can be claimed anytime between 60 and 70 years of age
Early or delayed payments affect the total pension
How to Apply and Prepare
OAS & GIS Application Process:
- Usually automatic at 64, ensure you receive a notification.
- If not, apply through Service Canada online or in-person.
- Prepare documents like identification, proof of residency, and financial statements.
CPP Application Process:
- Apply through Service Canada at the desired age.
- Decide if you want early or delayed retirement benefits.
- Submit necessary documentation, including work history and contribution details.
 Tips for Maximizing Your Benefits
- Consider deferring your OAS and CPP payments to increase the monthly amount over time.
Review your income annually to ensure GIS eligibility. - Consult financial planners to understand how the combination of OAS, GIS, and CPP will support your retirement lifestyle.
- Stay informed, rules and thresholds can change, and staying updated helps you make the most of available benefits.
The OAS, GIS, and CPP programs are essential pillars of retirement planning for Canadian seniors. With combined payments set to be deposited in September 2025, eligible seniors can look forward to increased financial security and peace of mind.
Whether you’re approaching retirement or already living off these benefits, understanding how they work, who qualifies, and how to apply is crucial to making informed decisions for a stable and fulfilling future.
