The CRA is helping the individuals with the payments towards the inflation and the benefits are released in order to maintain the living standards. The $1364 CPP OAS Checks For Seniors In Canada have been in the news for a long time and it has been known that $1364 was the amount for the year 2024 towards the CPP. Now the payments have been increased and one is to get a hiked amount.**
CRA Financial Support Amid Rising Costs
The Canada Revenue Agency (CRA) continues to play a critical role in helping Canadians manage inflation and rising living expenses. For seniors in particular, two major federal programs — the Canada Pension Plan (CPP) and Old Age Security (OAS) — remain essential lifelines.
Recent social media posts have fueled rumors of a new $1364 CPP OAS payment in 2025, but much of this information is misinterpreted. In reality, this figure corresponds to an older 2024 CPP rate, not a newly announced payment or benefit increase for 2025.
To clear the confusion, this guide breaks down the real facts about CPP and OAS payments, eligibility, and how much seniors can truly expect to receive in 2025.
Understanding the CRA’s Role in Support Payments
The CRA is the government body responsible for administering and delivering financial benefits to millions of Canadians, including seniors, families, and individuals with low incomes.
As inflation continues to impact daily essentials like housing, groceries, and healthcare, the CRA ensures that retired and elderly citizens have consistent access to financial support through programs such as:
- Canada Pension Plan (CPP) – for individuals who have contributed during their working years.
- Old Age Security (OAS) – a universal payment for eligible older adults, regardless of employment history.
These programs form the backbone of retirement security in Canada, helping millions maintain their living standards and independence
The $1364 CPP OAS Checks – Fact or Fiction?
In 2024, many seniors received around $1364 per month under the CPP, depending on their lifetime contributions and retirement age. This figure gained widespread attention and led to online claims that a new $1364 payment would be released again in 2025 — sometimes even presented as a “special bonus.”
However, the CRA and the Government of Canada have not announced any new or one-time $1364 checks for 2025. The amount quoted was specific to last year’s standard CPP payout and not a new benefit or top-up.
Instead, both CPP and OAS payments will continue in their regular monthly schedule, with standard inflationary adjustments (indexation) applied as usual.
Canada’s CPP and OAS Benefits Explained
The Canada Pension Plan (CPP) and Old Age Security (OAS) are separate but complementary programs that provide monthly income to retired Canadians.
- CPP (Canada Pension Plan): A contribution-based pension that replaces part of your employment income after retirement. You must have contributed during your working years to qualify.
- OAS (Old Age Security): A non-contributory pension funded by general tax revenue, available to most seniors aged 65 or older who meet residency requirements.
Together, these two benefits form the core of Canada’s retirement income system and are designed to help seniors cover basic expenses in later life.
Official Program Details
| Program Name | Canada Pension Plan (CPP) and Old Age Security (OAS) |
|---|---|
| Administered By | Canada Revenue Agency (CRA) |
| Eligibility Year | 2025 |
| Country | Canada |
| Target Group | Low-income, retired, or elderly Canadians |
| Average Payment (2024 Reference) | $1364/month (CPP) |
| New Updated Amount | Around $1433/month (CPP in 2025) |
| OAS Range (Age-Based) | $734.95 to $808.25/month |
| Benefit Frequency | Monthly |
| Official Website | canada.ca |
CRA’s Purpose Behind These Benefits
The purpose of these monthly benefits is to ensure that no senior in Canada has to live below the poverty line after retirement. Rising prices for food, rent, transportation, and medical care have made it increasingly difficult for elderly Canadians to manage on fixed incomes.
The CRA’s ongoing role is to adjust and deliver these payments in line with cost-of-living increases (COLA), ensuring that purchasing power is preserved over time.
What Is the CPP OAS Payment 2025?
The CPP OAS Payment 2025 continues to represent a stable and predictable monthly income stream for eligible seniors.
- CPP Payments: Designed for retirees who contributed to the plan during their working years. In 2025, the maximum monthly CPP payment is projected to reach around $1433, up slightly from the 2024 average.
- OAS Payments: Provided to individuals aged 65 or older. The amount varies by age:
- Up to $734.95/month for seniors under 75.
- Up to $808.25/month for seniors aged 75 and above.
Both benefits are indexed to inflation and automatically adjusted every quarter to reflect rising prices across Canada.
Eligibility Criteria for CPP and OAS in 2025
To qualify for these payments, recipients must meet specific criteria set by the CRA and Service Canada.
CPP Eligibility 2025:
- Must have made at least one valid contribution to the CPP.
- Typically begins at age 65 (can start as early as 60 with a reduced amount).
- Must be a Canadian resident at the time of application or living abroad with eligible contributions.
OAS Eligibility 2025:
- Must be 65 years of age or older.
- Must have lived in Canada for at least 20 years after turning 18.
- Must have filed taxes for the previous year.
- Income must remain below the OAS clawback threshold.
Why the $1364 Figure Causes Confusion
The figure $1364 continues to circulate online, often attached to misleading posts or incomplete headlines. In reality, this number represents the average CPP benefit from 2024, not a new or additional payment for 2025.
As of 2025, recipients will instead receive standard indexed increases — not an extraordinary or one-time cheque. The CRA has not announced any “bonus payment” or $1364 supplement for seniors.
Monthly Payment Schedule for 2025
CPP and OAS benefits are typically paid on the third-last business day of each month, ensuring predictable delivery.
Expected Payment Dates for 2025:
- January 29
- February 26
- March 27
- April 28
- May 29
- June 26
- July 29
- August 27
- September 26
- October 29
- November 26
- December 22
Payments are directly deposited into registered bank accounts, and paper cheques are available upon request, though direct deposit remains the fastest and safest option.
Current CPP and OAS Rates for 2025
| Benefit Type | Monthly Maximum (Approx.) |
|---|---|
| CPP Retirement Pension | $1433 |
| OAS (Under 75) | $734.95 |
| OAS (75 and Over) | $808.25 |
Note: The actual amount varies based on personal contribution history, income level, and age. These figures are subject to quarterly indexation adjustments.
Why These Benefits Matter Now More Than Ever
With inflation impacting housing, groceries, and utility costs, seniors on fixed incomes are among the hardest hit. The CRA’s continued administration of CPP and OAS ensures that elderly citizens have a steady income source and some financial security, especially amid ongoing cost-of-living pressures.
While the $1364 figure might not represent a new payment, the regular increases tied to inflation still provide crucial relief to millions of retirees across Canada.
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No Extra “New Checks” — CRA Clarifies
Despite viral claims suggesting otherwise, there is no extra or bonus payment being issued by the CRA. The $1364 amount that gained attention is not a newly introduced benefit for 2025.
Beneficiaries will continue receiving their monthly CPP and OAS entitlements as per normal schedules, with indexed adjustments made periodically to keep up with inflation.
Key Takeaways for Seniors
- There is no special $1364 payment in 2025 — that was the 2024 CPP figure.
- The new maximum CPP amount is approximately $1433 per month.
- OAS continues at $734.95–$808.25, depending on age group.
- Eligibility remains unchanged — you must meet age, residency, and contribution requirements.
- Payments are issued monthly, typically on the third-last business day of each month.
FAQs About $1364 CPP OAS Checks for Seniors in Canada
1. Is the CRA giving out a new $1364 payment to seniors in 2025?
No. The $1364 figure refers to the average CPP payment from 2024, not a new payment or one-time cheque for 2025. Seniors will continue receiving their regular CPP and OAS monthly benefits with standard indexation adjustments.
2. How much will seniors actually receive in 2025?
In 2025, the maximum CPP payment is approximately $1433/month, while OAS ranges from $734.95 to $808.25, depending on age. The actual amount each person receives depends on their contribution record and residency history.
3. When will CPP and OAS payments be made in 2025?
Payments are scheduled for the third-last business day of every month. Recipients using direct deposit will typically receive funds faster than those opting for mailed cheques.
4. Can I receive both CPP and OAS at the same time?
Yes. Eligible seniors can receive both benefits simultaneously, as CPP is contribution-based and OAS is residence-based. Many retirees rely on both to support their living expenses.
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5. How can I confirm my benefit details or eligibility?
You can check your Service Canada account online at canada.ca, contact the CRA helpline, or visit a Service Canada office for personalized assistance.