Canada $1364 CPP OAS Payment 2025 — CRA Clarifies Facts, New Rates, and Payment Dates for Seniors

The Canada Revenue Agency (CRA) continues to play a crucial role in supporting Canadians as inflation and living costs remain high. Many citizens have been struggling to afford everyday essentials, and programs like the Canada Pension Plan (CPP) and Old Age Security (OAS) offer essential income relief for retirees.

In recent months, the $1364 CPP OAS Checks for Seniors have become a hot topic online, with widespread speculation about new payments for 2025. However, the CRA has clarified that while benefits are indeed increasing to reflect inflation, the $1364 payment figure was related to 2024 data, not a new 2025 program.

What Are CPP and OAS Payments?

The Canada Pension Plan (CPP) and Old Age Security (OAS) are two of the most vital federal income support programs for Canadian seniors.

• CPP provides monthly income to individuals who have worked and contributed to the plan throughout their careers.
• OAS, on the other hand, is available to most Canadians aged 65 and older, even if they haven’t worked or contributed to CPP, as long as they meet residency requirements.

Together, these benefits form the backbone of Canada’s retirement income system, ensuring that seniors can cover basic expenses during retirement.

Clarifying the $1364 CPP OAS Checks

Recent online discussions have claimed that seniors in 2025 will receive $1364 in CPP and OAS checks. However, according to official CRA updates, this figure is not a new benefit for 2025. It represented the average monthly CPP payment in 2024.

While benefit amounts have been adjusted upward to keep pace with inflation, no new or one-time $1364 payments have been announced for 2025. The CRA continues to issue regular monthly CPP and OAS payments, but the values differ depending on age, contributions, and income.

CRA’s Clarification: No Extra Checks Issued

The CRA has confirmed that no special or additional $1364 checks are being released in 2025. Instead, seniors will receive their regular monthly CPP and OAS benefits, with updated amounts based on annual adjustments.

This means beneficiaries should not expect any separate “bonus” or “top-up” payment under this figure. The confusion likely stems from misinterpreted online reports or outdated payment tables that circulated early in 2024.

Current CPP and OAS Payment Rates for 2025

Here are the latest official 2025 monthly rates under the CPP and OAS programs:

Benefit Type	Monthly Payment (2025)	Eligibility Note
CPP (Canada Pension Plan)	$1,433	Paid to eligible contributors aged 65+
OAS (Under 75 Years)	$734.95	Based on residency, taxable income
OAS (75 Years or Older)	$808.25	Increased for senior recipients

These figures reflect modest increases from previous years due to indexation adjustments that account for rising prices and living expenses.

Who Qualifies for CPP and OAS in 2025?

Eligibility for CPP and OAS is determined by specific criteria set by the Canada Revenue Agency and Service Canada.

For CPP:

• Must have made at least one valid CPP contribution through employment or self-employment.
• Must be aged 60 or older (though full benefits start at 65).
• Payment amount depends on lifetime earnings and contribution history.

For OAS:

• Must be 65 years or older.
• Must have lived in Canada for at least 10 years after turning 18 (20 years for those living abroad).
• Must have filed and paid taxes in the previous year.
• Must have an income below the OAS clawback threshold.

These conditions ensure benefits go primarily to low- and middle-income seniors.

Why CPP and OAS Are Essential in 2025

With inflation continuing to drive up food, energy, and housing costs, many Canadian retirees rely on these payments as their main source of income.

The CPP and OAS programs are designed to:

• Protect seniors from poverty.
• Support healthcare and living expenses during retirement.
• Provide financial stability amid uncertain economic conditions.

While the government has not introduced any new “bonus” payments, these ongoing monthly benefits remain vital to maintaining seniors’ basic living standards.

Common Misunderstandings About the $1364 Payment

Many social media posts and unofficial websites have incorrectly claimed that the CRA will send a $1364 cheque to all seniors in 2025. However, this is false.

The CRA has issued a public clarification, stating that:

• The $1364 figure represented an average CPP amount for 2024, not a special new payment.
• There is no combined CPP-OAS payment of $1364.
• Payments remain separate, based on individual eligibility and contribution history.

Canadians are advised to rely only on official CRA and Canada.ca updates to avoid falling for misinformation.

Monthly Payment Schedule for 2025

The CPP and OAS payments are typically made on the third last business day of each month.

For 2025, key payment dates are expected to follow this pattern:

• January 29, 2025
• February 26, 2025
• March 27, 2025
• April 28, 2025
• May 29, 2025, and so on through December.

These regular payments are automatically deposited into beneficiaries’ bank accounts, ensuring seamless access to funds without any additional applications.

CPP and OAS Combined Impact on Retirees

For most retirees, the combined CPP and OAS benefits provide essential financial relief, though the total amount varies by individual.

For example:

• A single retiree aged 68 receiving full CPP and OAS could earn approximately $2,100 per month.
• Couples may receive a combined total exceeding $4,000 per month, depending on eligibility.

These payments help seniors manage household costs, cover healthcare, and maintain independence without additional debt.

Debunking the “Extra Payment” Myth

There have been rumors about CRA offering a new $1364 “bonus check” for seniors in 2025. These claims are unverified and false.

According to the CRA, payment increases are handled through annual inflation indexation, not one-off distributions. The agency has not announced any special lump-sum or top-up benefit.

Beneficiaries should stay updated via the official CRA website (canada.ca) to confirm genuine updates.

CRA’s Message to Seniors

The CRA and Service Canada encourage seniors to stay informed through official channels and report misinformation when encountered. They also remind retirees to:

• Keep their personal and banking information up to date.
• File their annual tax returns on time to remain eligible.
• Use the My Service Canada Account portal to monitor benefit payments.

Being proactive ensures uninterrupted access to monthly OAS and CPP benefits throughout the year.

Summary: The Reality Behind the $1364 CPP OAS Checks

To summarise:

• The $1364 CPP OAS payment was an average 2024 CPP figure, not a new 2025 benefit.
• No extra CRA checks or bonus payments have been introduced for 2025.
• Seniors will continue receiving regular monthly CPP and OAS benefits, adjusted for inflation.
• The new maximum CPP amount is $1,433, and OAS payments range between $734.95 and $808.25.

These regular payments remain a cornerstone of Canada’s support system for seniors.

FAQs on $1364 CPP OAS Checks for Seniors in Canada 2025

Q1. Is the CRA issuing a $1364 check for seniors in 2025?
No. The $1364 figure was the average CPP payment for 2024. There is no new or one-time $1364 payment in 2025.

Q2. What are the current CPP and OAS payment amounts?
As of 2025, the maximum CPP monthly payment is $1,433, while OAS ranges from $734.95 to $808.25, depending on age.

Q3. When will seniors receive their CPP and OAS payments?
Payments are made on the third last business day of each month, directly to recipients’ bank accounts.

Q4. How do I qualify for CPP and OAS benefits?
Eligibility depends on age, residency, income level, and contribution history. Applicants must be 65 or older and have paid taxes or contributed to CPP.

Q5. Will the CRA increase benefits again in 2025?
Yes, modest annual increases are applied to match inflation rates. However, no special or bonus payments have been announced.