CPP, OAS and GIS Payment Increase: New 1.4% Amounts, Payment Dates and Full Details

CPP, OAS and GIS Payment Increase: Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) are going up again. Starting with the payment on Wednesday, October 28, 2026, the maximum OAS pension for ages 65 to 74 rises to $762.50 a month, while seniors 75 and over can receive up to $838.75. GIS tops out at $1,138.90 for a single pensioner. This is a 1.4% increase for the October to December quarter, and it follows the 1.2% bump that applied to the September 25 payment. Many readers searching for the September CPP, OAS and GIS payment are really asking which amount is current, and the answer changed this week. The Canada Pension Plan (CPP) does not follow the quarterly cycle, so its maximum stays at $1,507.65 until the January adjustment. Below you will find the new amounts, the payment dates through December, income limits and a calculator for your own situation. We’ll be updating this article monthly as Service Canada publishes new figures.

The two increases are easy to mix up, so here is the timeline. In the July to September quarter, OAS and GIS rose 1.2%, which lifted the OAS maximum for ages 65 to 74 from $743.05 to $751.97 and the single GIS maximum from $1,109.85 to $1,123.17. Those were the amounts behind the September 25 deposit. The new 1.4% increase adds another $10.53 a month to the standard OAS pension and $15.73 to the top GIS rate. Over the past year, OAS has grown 3.0%, according to the Government of Canada. These are maximum amounts, though, and what lands in your account depends on your income, your marital status and how long you lived in Canada after age 18. Partial pensions, clawbacks and GIS reductions can all change the final figure, which is why the rest of this guide shows how to check yours.

CPP, OAS and GIS Payment Increase Highlights

OAS and GIS Payment Amounts: Old Rates Versus New Rates

The table compares the maximum monthly amounts for the quarter that included the September payment with the new quarter. The 1.2% and 1.4% figures were checked by recalculating each line, and every amount matches the percentage change within a cent.

For the quarter before that, April to June 2026, the OAS maximum for ages 65 to 74 was $743.05 and the 75 and over maximum was $817.36. Put together, a pensioner aged 65 to 74 with a full OAS pension has seen the monthly amount rise by $19.45 in two quarters.

Why Did OAS and GIS Increase by 1.4%?

OAS is indexed to the Consumer Price Index (CPI) and reviewed four times a year, in January, April, July and October. For this review, the average CPI for May, June and July 2026 was 169.5, compared with 167.1 for February, March and April. That is a rise of about 1.4%, and the same percentage is applied to OAS, GIS, the Allowance and the Allowance for the Survivor. By law, these benefits do not decrease when prices fall, so any dip in inflation simply produces no increase for that quarter.

The practical effect is steady, not dramatic. A single pensioner on the maximum OAS plus the maximum GIS will receive $1,901.40 a month, about $26 more than in the previous quarter. Pensioners should also remember that a higher benefit is only helpful if their other income does not erase it, which is why GIS income limits matter so much.

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CPP Payment Amounts in 2026

CPP works differently. It is adjusted once a year in January, so the numbers below do not change in October. The figures come from the Government of Canada’s amounts page, last updated on September 29, 2026.

The average figure is the number to compare yourself against. Most new retirees receive far less than the maximum, because the maximum requires contributions at the top of the earnings range for most of a working life. A second figure, $877.01, appeared in one media report for the July to September period, but it does not match the official page, so this guide uses the government figure.

If you start your pension earlier or later than 65, the amount changes. The standard rule is a permanent reduction of 0.6% for each month before 65, up to 36% at age 60, and an increase of 0.7% for each month after 65, up to 42% at age 70.

Will CPP Increase Soon?

Not until January. CPP benefits are indexed once a year, and the 2027 adjustment will be announced later this year. In the meantime, the CPP enhancement keeps raising the maximum for new retirees every month as people with enhanced contributions retire. Contributions funding those future pensions are higher too. For 2026, employees pay 5.95% on earnings between $3,500 and $74,600, a maximum of $4,230.45, plus a second contribution of 4% on earnings from $74,600 to $85,000, a maximum of $416.00. Self-employed workers pay both halves, so their maximums are $8,460.90 and $832.00.

CPP, OAS and GIS Payment Schedule for the Rest of 2026

Service Canada pays CPP, OAS and GIS on the same dates each month.

January 2027 dates were not yet published when this article was written. If a payment date falls near the end of the month, Service Canada issues it a few business days early, which is why December arrives before the holidays. If your deposit has not arrived on the scheduled date, check your My Service Canada Account first and confirm your banking details before you call.

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GIS Income Limits for October to December 2026

GIS is not automatic for everyone with OAS. It goes to low-income seniors, and eligibility is based on the previous year’s income. The government recalculates it every July using your tax return, so filing on time is essential.

For the Allowance, which is paid to the spouse or partner of a GIS recipient aged 60 to 64, the maximum is $1,448.06, with a combined income limit of $42,768. The Allowance for the Survivor is $1,726.18, with an annual income limit of $31,152. OAS itself is taxable, while GIS is not.

OAS Eligibility and the Partial Pension

A full OAS pension requires 40 years of residence in Canada after turning 18. If you have at least 10 but fewer than 40 years, you can receive a partial pension equal to one-fortieth of the full amount for each year of residence. That means 25 years of residence produces 25/40, or 62.5%, of the maximum. The maximum tables above do not apply to partial pensioners, so using the calculator below is more useful than reading the headline numbers.

Calculate Your CPP, OAS and GIS Payment

Use this calculator to estimate your OAS pension at the new rates, check whether your income may qualify you for GIS and see whether the recovery tax could apply. Enter your age group, years of residence, expected income and CPP amount, and the tool returns your estimated monthly total.

The calculator gives estimates only. The GIS result shows the most you could receive, since actual GIS falls as other income rises. Use the government’s estimator and your My Service Canada Account for an exact figure.

What a Typical Senior Can Expect

The table below shows maximum scenarios using the new quarter’s rates. They are examples, not predictions.

The second and fourth rows apply only to seniors with very low other income. Because CPP counts as income for GIS purposes, even a modest pension can reduce the supplement.

OAS Recovery Tax: Who Pays Back Some of Their Pension

Higher-income seniors repay part of their OAS through the recovery tax, often called the clawback. For payments from July 2026 to June 2027, the minimum threshold based on 2025 income is $93,454. For the 2026 income year, which affects payments from July 2027 to June 2028, the threshold is $95,323. You repay 15 cents for every dollar of net income above the threshold, collected through your tax return, until the OAS pension is fully repaid. The maximum threshold for 2026 is about $155,320 for ages 65 to 74 and $161,320 for ages 75 and over, and those figures become final in October.

How to Apply for CPP?

Apply up to 12 months before you want your pension to start. Gather your Social Insurance Number and your banking details for direct deposit, then sign in to My Service Canada Account and open the Canada Pension Plan section. If you have lived or worked outside Canada, you must apply on paper and include the country name, insurance number and dates. Paper applicants use form ISP-1000 and mail it to Service Canada. If you receive a CPP disability benefit, it converts to a retirement pension automatically at 65.

For OAS and GIS, many people are enrolled automatically, but if you do not receive a letter around your 64th birthday, apply through Service Canada. GIS applicants must provide income details, and anyone who already has OAS should file their tax return every year so the supplement is renewed in July.

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CPP Processing Time

Service Canada says to expect a decision by mail within 28 days of receiving an online CPP retirement application. A paper application takes up to 120 days. Retroactive payments are limited: if you apply after turning 65, you can receive up to 12 months of back pay, but no earlier than the month after your 65th birthday. I could not confirm an official processing time for OAS applications, so check your account or call Service Canada before assuming a date.

How to Check Your CPP, OAS and GIS Payment Status

Sign in to My Service Canada Account to see your payment amounts, deposit dates and tax slips. Your T4A(P) slip shows CPP income and your T4A(OAS) slip shows OAS, both of which you need at tax time. Make sure your direct deposit details and mailing address are current, because a payment sent to a closed account can be delayed for weeks. If you receive GIS, watch for a renewal notice in the spring and confirm that your tax return has been filed. A letter in the mail should confirm any change in your amount, but the online account usually updates first.

Scams Targeting Seniors When Benefits Increase

Benefit increases give scammers a reason to call. Service Canada does not ask for payment in gift cards, cryptocurrency or wire transfers, and it does not threaten to cancel your pension unless you act immediately. If a caller says you must pay a fee to receive your increase, hang up and sign in to your own account. Report suspicious calls, texts and emails to the Canadian Anti-Fraud Centre, and tell a family member so they can watch for similar messages.

Smart Ways to Get More From Your Pension

Delaying CPP past 65 raises the monthly amount by 0.7% for every month, which can add up to 42% by age 70 if you can afford to wait. If your income sits close to a GIS or recovery tax line, small choices about registered account withdrawals can change how much you keep. Couples may be able to split eligible pension income on their tax returns, and filing on time protects the July recalculation of GIS. A fee-only planner or a tax professional can run the numbers for your household, and free pension information is also available through Service Canada.

Official CPP, OAS and GIS Websites and Resources

FAQs CPP, OAS and GIS Payment

Conclusion

The September payment arrived at 1.2% increased rates, and the October 28 payment brings the next step: a 1.4% rise that lifts OAS to $762.50 or $838.75 and GIS to as much as $1,138.90. CPP stays where it is until January. Check your own number with the calculator, confirm your payment dates, file your taxes on time and use only official canada.ca pages for applications. We’ll be updating this article monthly.