Canada CPP, OAS payment tomorrow: Who gets the September 25 payment and how much could you receive?

Do you receive Canada Pension Plan (CPP) or Old Age Security (OAS), including the Guaranteed Income Supplement (GIS)? If your answer is yes, then your next government payment is coming tomorrow, September 25, 2026. Service Canada will issue the September 2026 payments on Friday, September 25. The Canada Pension Plan (CPP) provides a taxable monthly retirement benefit to eligible Canadians. It replaces part of your income after retirement and continues for the rest of your life once you start receiving it. CPP also provides benefits to people with disabilities who meet the eligibility requirements. Eligible survivors of CPP contributors can also receive survivor benefits.

You can start your CPP retirement pension at age 60, although starting before 65 means receiving a reduced monthly amount. The standard age to start CPP is 65, while you can delay it until age 70 to receive a higher monthly payment. If you continue working while receiving CPP, your retirement pension is not reduced. If you are under 70 and continue working, you may also qualify for additional Post-Retirement Benefits.

Who is eligible for CPP payments?

You may qualify for a CPP retirement pension if you:

• Are at least 60 years old
• Have made at least one valid CPP contribution through work in Canada or through credits received from a former spouse or common-law partner
• Some serious, life-threatening conditions, including ALS and pancreatic cancer, can qualify for faster processing under the CPP's “grave conditions” policy.

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How much CPP could I get in 2026?

The maximum CPP retirement pension for someone starting at age 65 is $1,507.65 per month in 2026. However, most people receive less than the maximum because their CPP payment depends on how much they contributed and how long they contributed. The average new CPP retirement pension was $877.01 per month between July and September 2026.

For the CPP disability benefit, the maximum monthly amount in 2026 is $1,741.20. The average new disability benefit was $1,234.68 per month as of April 2026.

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CPP payment dates for 2026

• September 25, 2026
• October 28, 2026
• November 26, 2026
• December 22, 2026

What are Old Age Security and the Guaranteed Income Supplement?

Old Age Security (OAS) is a monthly payment available to most Canadian seniors. Unlike CPP, OAS is not based on your work history or CPP contributions. Instead, eligibility is based mainly on your age, citizenship or legal residency status and how long you have lived in Canada as an adult. OAS is a taxable benefit. The Guaranteed Income Supplement (GIS) is separate from OAS. It provides an additional tax-free payment to low-income seniors who receive OAS.

Who is eligible for OAS and GIS?

To receive OAS, you generally must:

• Be 65 or older
• Be or have been a Canadian citizen or legal resident
• Have lived in Canada for the required number of years after turning 18

Service Canada generally enrols eligible people automatically. You should receive a letter around the month after you turn 64. If you do not receive one, you may need to apply through your My Service Canada Account.

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To receive the GIS, you must already be 65 or older and receiving OAS. Your annual income must also be below the government's maximum income threshold.

GIS eligibility is reviewed every year. Filing your taxes on time is important because it helps the government determine whether you continue to qualify and can help prevent payment delays.

How much OAS and GIS could I get in 2026?

For the July to September 2026 quarter, the maximum monthly OAS payment is:

• $751.97 for seniors aged 65 to 74
• $827.17 for seniors aged 75 and older

OAS payments automatically increase by 10% when a recipient turns 75.

The amount of GIS depends on factors including income and marital status. The maximum monthly GIS payment is up to $1,123.17 for a single, widowed or divorced pensioner.

For someone whose spouse or common-law partner receives a full OAS pension or the Allowance, the maximum GIS amount can be $676.09 per month. If the spouse or partner receives neither OAS nor the Allowance, the maximum can be as high as $1,123.17.

The Government of Canada also provides an Old Age Security Benefits estimation tool to help people estimate their benefits.

OAS/GIS payment dates for 2026

• September 25, 2026
• October 28, 2026
• November 26, 2026
• December 22, 2026

The payments are issued on these dates, but they may take a few days to appear in a bank account or arrive by cheque. The government advises waiting five to 10 business days before contacting the program if your payment has not arrived.