OAS and CPP are two important programs in Canada. These programs help people after they retire. While both give money to seniors, they work differently.
CPP is a program where workers and employers make contributions. The amount you get depends on how much you worked and earned. OAS is different. It gives money to seniors aged 65 and older, no matter where they worked or how much they earned. OAS comes from government taxes, not personal contributions.
In July 2025, the Government of Canada may be giving out extra retirement checks. These checks are meant to help low-income seniors who are struggling. Let’s understand more about this.
What Are CRA Extra Retirement Checks?
The Government of Canada has announced that early OAS payments will be made in June 2025. Usually, payments come at the end of the month. But in June, payments will arrive on the 26th.
There is also talk of extra retirement checks from CRA. These are for people who need more financial help. These extra payments could give relief to seniors dealing with rising costs.
This article will help you understand who can get these payments, when they will come, and how to apply.
CPP & OAS Eligibility 2025
Here are the rules for getting CPP and OAS payments in 2025:
- You must be at least 65 years old to get OAS.
- You must live in Canada and have stayed there for at least 10 years after turning 18.
- You do not need to have worked or paid into OAS to get it.
- If your income is too high, your OAS amount may be reduced.
- It’s important to follow the rules about residency and income limits to get the correct amount.
CPP, on the other hand, needs you to have made at least one valid contribution. CPP is based on your work income and how long you paid into it.
Details About CRA Retirement Benefits 2025
| Topic | Details |
| Purpose | Financial help for seniors |
| Eligibility | OAS: Age 65+, 10 years in Canada after 18 |
| CPP Requirement | At least one valid contribution |
| Payment Date | 26th June, 2025 |
| Payment Frequency | Monthly |
| Method of Payment | Direct Deposit |
| Official Website | www.canada.ca |
| Benefit Year | 2025 |
How to Apply for CRA Extra Retirement Checks
If you are not registered automatically for OAS, follow these steps:
- Visit www.canada.ca and fill out the application form.
- Include important documents, like your Social Insurance Number (SIN).
- Submit the form online or by mail.
- Wait for CRA to review your application.
- You will be notified once your payments are approved.
By doing this, you can make sure you get your payments on time.
OAS Payment Amount 2025
The amount you get from OAS depends on your age:
- If you are 65 to 74 years old, you can get up to $727.67 per month.
- If you are 75 or older, you can get up to $800.44 per month.
- Low-income seniors may also get more help from the Guaranteed Income Supplement (GIS).
CPP Payment Amount 2025
CPP payments depend on your work and when you retire:
- The average payment is around $815.00 per month.
- The maximum payment at age 65 is $1,364.60 per month.
- If you retire early (from age 60), your payment will be reduced by 0.6% per month.
- That means retiring 5 years early can reduce your CPP by up to 36%.
CRA Pension Payment Dates 2025
Here are the payment dates for CRA pensions in 2025:
| Month | Payment Date |
| January | 29th January, 2025 |
| February | 26th February, 2025 |
| March | 27th March, 2025 |
| April | 28th April, 2025 |
| May | 28th May, 2025 |
| June | 26th June, 2025 |
| July | 29th July, 2025 |
| August | 27th August, 2025 |
| September | 25th September, 2025 |
| October | 29th October, 2025 |
| November | 26th November, 2025 |
| December | 22nd December, 2025 |
If the payment date is on a weekend or holiday, you will receive it on the previous working day.
CRA Retirement Payment – Fact Check
CRA recently confirmed new retirement support through CPP, OAS, and GIS. These payments aim to support seniors with their daily needs.
Normally, OAS and CPP payments are made at the end of each month. The GIS payment is also made on the same day as OAS.
If your payment doesn’t arrive on time, you should contact Service Canada. Sometimes payments can be delayed due to holidays or weekends.
FAQs
What is the CRA Extra Retirement Check?
It’s extra money to help low-income seniors.
When is the next OAS payment?
26th June 2025.
Do I need to work to get OAS?
No, work is not needed for OAS.
How to apply for retirement payments?
Apply online at canada.ca with your SIN.
Will CPP reduce if I retire early?
Yes, by 0.6% each month before 65.