Canadian seniors relying on monthly benefits have something to look forward to this holiday season. On December 25, 2025, two important federal pensions—Canada Pension Plan (CPP) and Old Age Security (OAS)—are set to be disbursed.
The combined monthly payments can reach up to $1,433, depending on eligibility, age, and previous contributions. Let’s break it all down in plain terms so you know what to expect and who qualifies.
Overview
If you’re a Canadian senior, you’re likely familiar with CPP and OAS. These two programs work together to support retirees financially. The CPP is a contributory pension, meaning you must have paid into the system while working. The OAS, on the other hand, is available to most Canadians over 65, regardless of work history—though there are residency and income rules attached.
On December 25, 2025, seniors could receive up to $808 from OAS and up to $1,433 from CPP. These payments are monthly and land directly in recipients’ bank accounts. And yes, both will arrive on the same day.
Payments
Let’s look at what these payments really mean. The OAS maximum amount of $808 is set for seniors aged 75 or older. The CPP, with a cap of $1,433, is available to those who made long-term contributions—typically over 35 years of work.
Here’s a quick summary:
| Program | Max Monthly Payment | Who Qualifies |
|---|---|---|
| CPP | $1,433 | Aged 60+, with high contributions |
| OAS | $808 | Aged 75+, low-to-moderate income |
Both programs have different criteria, but they complement each other well for seniors managing on fixed incomes.
Eligibility
This is where it can get a bit confusing, so let’s clear it up.
CPP (Canada Pension Plan)
- Available from age 60
- Requires contributions during working years
- Payment amount depends on how much and how long you contributed
- To receive the full $1,433/month, you’d need to have contributed the maximum for at least 35 years
OAS (Old Age Security)
- Available from age 65, but to receive $808 you need to be at least 75
- Must have lived in Canada for at least 10 years after age 18
- Payments are income-tested—higher earners may receive reduced amounts
- Income thresholds: Under $148,451 (ages 65–74) or $154,196 (age 75+)
Timing
This year’s Christmas bonus isn’t just from Santa. Services Canada has officially confirmed the payment date as December 25, 2025. That’s a Thursday, and yes, payments will still process even if it’s a holiday. Expect funds to hit your account directly, assuming you’re signed up for direct deposit.
If you’re wondering whether both CPP and OAS will come together—the answer is yes. These pensions generally follow the same monthly schedule. So, you’ll likely see both deposits land at the same time.
Myths
There’s been some confusion out there, especially around the idea of getting a combined $1,433 from CPP alone. That’s not the case. The $1,433 figure represents the maximum CPP payment, and the $808 is an entirely separate OAS benefit. They’re often mentioned together because they’re paid on the same date and to similar groups of people—but they are not the same payment.
Also, not everyone will receive the full amounts. Many Canadians receive smaller amounts based on their earnings history (for CPP) or residency and income (for OAS).
Purpose
These payments aren’t bonuses or one-time top-ups. They’re regular monthly pensions designed to help seniors with everyday costs—housing, groceries, transportation, and health care. With inflation and rising living costs, every dollar counts, and timely disbursements like the December 25 payment offer much-needed stability.
Reminder
Before you start planning your Christmas budget, double-check your eligibility and enrollment with Service Canada. If you’re not sure how much you’ll receive, log into your My Service Canada Account (MSCA). There, you can view your expected payments, manage direct deposit details, and more.
Want to see the full payment calendar? Head over to the official portal at canada.ca for the most up-to-date information.
So, whether you’re counting on CPP, OAS, or both, December 25 will bring some financial relief. While it may not cover every expense, it’s a welcome support—especially during the holidays.
FAQs
When will CPP and OAS be paid?
Both payments will be deposited on 25 December 2025.
Who gets the $808 OAS payment?
Seniors aged 75+ with qualifying income levels get this amount.
Is the $1,433 from CPP or OAS?
The $1,433 is a maximum monthly CPP benefit.
Can I get both OAS and CPP?
Yes, if you qualify for both, you can receive both payments.
Do all seniors get the full amounts?
No, actual amounts depend on income, age, and contribution history.
