CPP Payment Dates 2025 - Canada | Latest Payment & Benefits

The Canadian Government has announced the CPP payment dates for 2025 in Canada. The payment dates normally fall at the end of every month. Other guidelines, including CPP payment amounts, enhancements, benefits, and payment methods, have also been announced for 2025. Below we have provided in-depth guidance about the Canadian pension plan.

CPP Payment Calculator

CPP Payment Dates

The Canada Pension Plan (CPP) is a contributory, earnings-based social insurance program designed to provide partial income replacement for Canadians during retirement, disability, or in the event of a contributor’s death.

Canada Pension Plan (CPP) payments for 2025 are issued monthly, with the upcoming dates being January 29, February 26, March 27, and April 28, among others throughout the year. The full schedule for 2025 is provided in the table below:

Month	Payment Date
January	Wednesday, January 29
February	Wednesday, February 26
March	Thursday, March 27
April	Monday, April 28
May	Wednesday, May 28
June	Thursday, June 26
July	Tuesday, July 29
August	Wednesday, August 27
September	Thursday, September 25
October	Wednesday, October 29
November	Wednesday, November 26
December	Monday, December 22

SOURCE : Canada Pension Plan (CPP) Payment Dates

From the above payment schedule, you can check your next payment date. CPP and Canada FPT are both federal benefits, but they follow separate payment schedules.

Note: If your payment is not received by the expected date, wait five working days before taking further action. In this case, If the payments are still late, contact Service Canada at 1-800-277-9914.

CPP Payment Methods

The Canada Pension Plan offers two payment methods. Each method has its advantages and disadvantages. Below is a detailed explanation of each so you can choose the best option for you.

1. Direct Deposit

Direct deposit is a fast, secure method where CPP payments are electronically transferred to a bank account. It avoids postal delays and the risk of lost cheques and can be set up through Service Canada.

How to Set Up Direct Deposit

You have three methods to set up direct deposit:

Source: Direct Deposit Information – Service Canada

Online via My Service Canada Account

First of all, log in to your My Service Canada Account (MSCA).
Now navigate to the direct deposit section.
Enter or update your banking information. Make sure to enter valid banking details.
Now the Service Canada will check your application and update your deposit method.

This is the quickest method to set up direct deposit. The payments will start as early as next month.

By Phone

Call Service Canada: Dial 1-800-277-9914 (toll-free within Canada and the U.S.) during business hours (Mon-Fri, 8:30 AM–4:30 PM ET). If you are outside Canada or the U.S., you can call 613-957-1954, and collect calls are accepted.
Verify Your Identity: Be prepared to provide personal information to confirm your identity. This includes:

Your Social Insurance Number (SIN)
Full name and date of birth
Complete address
Banking details (institution number, branch number, and account number)

Once the process is complete, Service Canada will confirm the update and direct deposit starts the following month.

By Mail

First of all, complete a Direct Deposit Enrolment Request Form (available online or at your bank).
For banking details verification, attach a void cheque or provide your banking details directly on the form.
Once the form is completed, mail the form to:

text
Direct Deposit
PO Box 5000
Matane QC G4W 4R6
Canada

Pro Tip: The special forms and processes will be applied if you are living outside Canada. Contact Service Canada for assistance.
If you have requested to change your bank account, first confirm that the payments are being deposited in the new account before closing the old one.

2. Cheque Payment

With the cheque payment method, cheques are mailed during the last three working days of the month. To receive your payment cheque without any issue, ensure that your mailing address is up to date.

You can also check the average and maximum CPP Payments that you can receive. This way you can calculate your CPP payments before it arrives in your bank account.

Tip: You can choose any of the methods to receive your Canada Pension Plan payment. However, direct payment is considered more safe and secure. As a result, most people choose the direct deposit method.

CPP Eligibility Criteria

You are eligible for the Canada Pension Plan if you meet the following criteria.

Age Requirement: You must be at least 60 years old to apply for CPP retirement benefits. However, starting benefits before age 65 results in reduced payments, while delaying them until after 65 increases the amount.
Contribution Requirement: You must have made at least one valid contribution to the CPP during your working years. Contributions are deducted from your earnings or self-employment income while working in Canada (outside Quebec, which has its own Quebec Pension Plan).
Application Process: Benefits are not automatic; you must apply to receive them. Applications can be submitted online through your My Service Canada Account or via a paper application mailed or dropped off at a Service Canada office.

You can apply for a Pension plan if you fulfill all the above requirements.

Additional Notes: Eligibility may also depend on special circumstances, such as disability or survivor benefits, which have unique requirements.

How to Apply for the Pension Program

There are two options to apply For CPP. You can choose any of the methods according to your preference.

Source: Apply for CPP Retirement Pension

1. Apply Online Via MSCA

To apply online via MSCA, follow the steps below carefully.

First of all, register or sign in to “MY Service Canada Account” (MCA).
From the Canada Pension Plan section dashboard, you will find the “Apply For Canada Pension Plan Retirement Pension” Option. Select that option to get started.
Now provide the required information accurately and follow the screen instructions for further process.
After the submission of the application, you will get a confirmation mail within 28 days.

Watch the tutorial video on how to apply for CPP online.

2. Apply Via Paper Form

You can apply for CPP via paper form. Here is an in-depth procedure for the application.

First of all, download the application form (ISP-1000).
Fill the application form accurately with all the required data.
After filling out the form, you have two options for submitting the form:

Mail it to Service Canada
Drop the form to the Service Canada office

You will receive a response within 120 days of submission

Note: Always ensure the accuracy of your application. Provide accurate and up-to-date information.
If you find any kind of error in application form, then quickly reach out to the officials.

How To Check Application CPP Status Online?

It is very easy to check the application status online. Here is an in-depth guidance to track the status.

Go to MSCA and log in to your account.
You will find the “ view my status updates” option there. Click on that option to view your status.
If you face any issues, you can contact Service Canada to get help in status tracking.

It delays sometime so be patient if you are getting late response. It may be due to delays in postal service or sometime problem with your application.

CPP Benefits

The CPP provides a wide range of benefits to provide financial support to eligible individuals. Here is an in-depth information about CPP benefits in 2025.

1. Disability Benefits

Disability benefit is introduced for individuals who are not able to work due to disability.

Eligibility:

The applicant must be under 65 years old and unable to work due to a severe and prolonged disability.
The applications must have contributions in CPP for at least 4 of the last 6 years.
The applicant must have a disability.

Amount:

The monthly payment for disabled contributors would be $583.32 per month
The contributor with dependent children would get $294.12 per child.

Tip: Apply as soon as you are diagnosed with a severe and prolonged disability to ensure timely access to benefits. Keep your documentation up-to-date to avoid delays.

2. Child Benefit

The child benefit is available for the children of disabled contributors.

Eligibility:

The children must be under 18.
Full-time students must be between the ages of 18 and 25.
Children must be under the care of a disabled contributor.

Amount:

Each child under child benefit will get $294.12 per month.

When applying for child benefits, ensure all supporting documents are complete and submitted on time to avoid delays. Additionally, review eligibility criteria annually to confirm continued qualification for benefits.

3. Death Benefit

The Canada Pension Plan (CPP) Death Benefit is a one-time, lump-sum payment of up to $2,500 (as of January 2025) made to the estate or eligible individuals on behalf of a deceased CPP contributor. Its purpose is to help cover funeral and related expenses.

Eligibility

The deceased must have contributed to CPP for at least 10 years or one-third of their contributory period, with a minimum of 3 years.
If the deceased lived outside Canada, international social security agreements may be used to meet eligibility requirements.

Who Can Apply

The executor or administrator of the deceased’s estate.
If no estate exists, the person responsible for funeral expenses, the surviving spouse/common-law partner, or next-of-kin may apply in that order.

Application Process

Applications can be submitted online via My Service Canada Account or by completing the paper form (ISP1200) and mailing it to Service Canada.
Required documents include proof of death, the deceased’s Social Insurance Number, and proof of relationship if applicable.
Processing typically takes 6–12 weeks.

Note that the death benefit is taxable and must be reported as income by the estate or individual receiving it. For more detailed information, Check out: CPP Death Benefit.

4. CPP Survivors Pension Benefit

The Canada Pension Plan (CPP) Survivor’s Pension is a monthly benefit provided to the legal spouse or common-law partner of a deceased CPP contributor. The amount received depends on the survivor’s age and whether they are already receiving other CPP benefits.

2.1. Eligibility Criteria

If you want to get CPP Survivor’s pension benefits, you must meet these requirements:

The applicant must be the legal spouse or common-law partner of the deceased.
Common-law partners must have lived with the deceased in a conjugal relationship for at least one year.
Separated legal spouses may qualify if the deceased had no common-law partner at the time of death.
The deceased must have made sufficient CPP contributions (at least three years or one-third of their contributory period, with a minimum of 10 years).

2. 2. Payment Amounts

The Payment Amounts of Canada Pension Plan (CPP) at ages 60 and 65 are given.

Under 65 years old: A flat-rate portion plus 37.5% of the deceased’s retirement pension.
65 years or older: 60% of the deceased’s retirement pension.
If combined with other CPP benefits, the total cannot exceed the maximum CPP retirement pension amount ($1,433.00 per month in 2025).

The CPP payment flowchart shows that those under 65 get a flat-rate plus 37.5% pension, while those 65+ receive 60% pension.

2.3. Application Process

Applications should be submitted as soon as possible after the contributor’s death to avoid losing benefits (retroactive payments are limited to 12 months).
Apply online via My Service Canada Account or by completing Form ISP1300 and mailing it to Service Canada.
Required documents include proof of death, Social Insurance Numbers, and proof of relationship.

Keep in mind that If a survivor was widowed more than once, they can only receive one survivor’s pension—the higher amount. Benefits continue even if the survivor remarries.

The first payment typically starts the month after the contributor’s death, with processing taking about 6–12 weeks.

5. Retirement Pension Benefit

The CPP Retirement Pension is a monthly taxable benefit for individuals who contributed to the CPP.

Key Details:

Eligibility: Must be at least 60 years old and have made at least one valid contribution.
Post-Retirement Contributions: Optional contributions if working while receiving CPP (under 70) to boost benefits.
Application: Apply online via My Service Canada Account or by mail using Form ISP1000.
Payments are indexed annually for inflation.

Amount:

CPP PAYMENT chart showing the increase in monthly retirement benefits from age 65 to 70

The maximum monthly benefit for new retirees at age 65 in 2024 was $1,364.60, while the average was $815.00.
Delaying benefits increases the payout by 8.4% per year after age 65, up to a maximum of 42% more at age 70.

Canada Pension Plan Enhancement

Pension plan enhancement was introduced to increase the payments of CPP benefits. It was first introduced in 2019 and in 2025 more enhancements will be made in CPP.

Source: Canada Pension Plan Enhancement

In short, the contributors contribute more during their working days and receive much more when they retire.

Useful Tip: From my experience, even small increases in your Canada Pension Plan (CPP) contributions can lead to much larger pensions. For example, if you contribute an extra $100 each year for 40 years, your maximum benefit could increase from about $15,679 to nearly $23,832—an increase of over $8,000.

Relevant Contact Details

Below we have provided the contact details of the Canada Pension Plan.

1. CPP Phone Number

Toll-free Canada and USA number: 1-800-277-9914
You can contact this number from Monday to Friday ( 8:30 AM to 4:30). The automated service is available 24/7.

2. Online Contact

The online service for CPP is available on the official website of My Service Canada. You can log in to your account and complete various tasks including applying for benefits, checking applications, etc.Z

3. Mail

You can send your documents and other inquiries to the local Canada service center. If you are outside Canada, you can mail your documents to the Canada Service Center.

For disability-related applications, you can send your forms to the Disability Application Office. The address is: PO Box 1687 Station Central, Halifax, NS B3J 3J4, Canada.

4. Person To Person Contact

You can also visit the nearest Canada Service Center for any kind of help. Bring your official and valid documents along with you.

Contact the helpline for any kind of issue. The helpline will guide you and provide the solution to your issue.

Source: Contact Service Canada – CPP

FAQs

If your payment date falls on the weekend, your payment date will be automatically shifted to a working day before that date.

Canada Pension Plan payments are normally made on the second to last working days of the month. If any holiday occurs on the payment day, the date will be adjusted to the previous working day

The payment amount depends upon various factors including your average earnings, contributions, and the age you started getting benefits.

You can check your payment status by. 1. By calling Service Canada at 1-800-277-9914. 2. By My Service Canada Account

If you miss updating your banking details, you will not be able to receive your CPP payment. In this case, contact the Canada Service Center as soon as possible for help and guidance.

Conclusion

The Canada Pension Plan (CPP) is one of the most beneficial financial support programs. In summary, the Canada Pension Plan provides a reliable foundation of financial security for Canadians. With clear guidelines, flexible payment methods, and a range of benefits, CPP provides financial support for contributors during retirement, disability, or times of loss.

By staying informed and proactive about eligibility and application processes, individuals can maximize the benefits offered by this essential program. For further assistance, visit Service Canada or call 1-800-277-9914.

CPP Payment Dates 2025 in Canada [Official Dates]

CPP Payment Dates