$3,600 CPP/OAS Pension Payment in June 2025 – Who’s Eligible and When Will It Arrive?

In June 2025, millions of Canadians are set to receive a combined $3,600 from their Canada Pension Plan (CPP) and Old Age Security (OAS) benefits. This larger-than-usual amount includes a special double OAS payment alongside a full CPP benefit, giving retirees a welcome boost. But who exactly will receive this money, and how can you make sure it arrives on time? In this guide, we’ll break down who qualifies, when payments will arrive, and how to get the most out of your benefits.

Overview

Key Detail	Information
Total June Payment	Up to $3,600 (CPP + double OAS)
CPP Max Monthly Amount	Around $1,700
OAS Double Payment	Up to $2,000
Payment Date	June 26, 2025
Eligible Recipients	Seniors aged 65+ and people with CPP history
Taxable	Yes – both CPP and OAS are taxable
Delivery Method	Direct deposit or mailed cheque

What Are CPP and OAS?

These two government programs form the core of Canada’s retirement system. They provide monthly financial support to those who have worked and lived in Canada long enough to qualify.

Canada Pension Plan (CPP)

CPP is a retirement benefit based on the amount you contributed while working. If you worked in Canada and paid into CPP, you’re eligible to receive monthly payments starting as early as age 60.

How much you get depends on how long and how much you contributed. In June 2025, the maximum CPP payment could reach about $1,700 per month, although most people receive less than that.

Old Age Security (OAS)

OAS is available to anyone 65 or older who has lived in Canada for at least 10 years after turning 18. Unlike CPP, you don’t need to have worked to qualify.

The regular monthly OAS payment is around $727.67. In June 2025, eligible seniors will receive a double OAS payment—totaling up to $2,000 for the month.

Why the June 2025 Payment is Special

Normally, recipients get one OAS and one CPP payment each month. But in June 2025, a double OAS payment is scheduled, increasing the total payout to as much as $3,600 for those who qualify for both full CPP and OAS.

This bump can help cover rising living expenses, from food and medication to rent and utility bills. For seniors living on fixed incomes, it’s a meaningful difference.

Who Is Eligible?

You must qualify for both CPP and OAS to receive the full combined amount in June. Here’s how:

1. Age Requirement

• OAS: Must be 65 or older.
• CPP: Can start as early as 60, but the longer you wait (up to age 70), the higher your monthly benefit.

2. Residency Requirement for OAS

• Must have lived in Canada for at least 10 years after age 18.
• If you’ve lived outside Canada, you may still be eligible for a partial OAS.

3. Contribution Requirement for CPP

• You must have worked in Canada and contributed to CPP.
• Your payment amount depends on your income during working years and how long you contributed.

4. Disability or Survivor Benefits

• If you receive CPP disability or survivor benefits, you may also receive a share of the payment increase.

When Will You Receive the Payment?

The payment will be issued on June 26, 2025—the last Wednesday of the month.

If you’re enrolled in direct deposit, the money should hit your account on the same day. Mailed cheques may take a few days longer.

How to Prepare

Here’s how to make sure your payment isn’t delayed:

Sign Up for Direct Deposit

Direct deposit is faster and safer than waiting for a cheque. You can register or update your banking info through your My Service Canada Account.

Apply If You Haven’t Yet

If you’re turning 65 before June 2025 and haven’t applied for OAS or CPP, do it as soon as possible. Payments aren’t automatic unless you’ve already been contacted by Service Canada.

Double-Check Your Eligibility

• Make sure your residency history and work contributions are properly recorded.
• You can check your status and payment estimates using your My Service Canada Account.

Real Example

Let’s say you’re a 68-year-old retiree in Ontario:

• You receive $1,600 from CPP each month based on your past contributions.
• Normally, you get $727 from OAS, but in June you’ll get $2,000 thanks to the double payment.

Total June Payment = $1,600 (CPP) + $2,000 (OAS) = $3,600

How to Maximize Your CPP Payments

While OAS is based on age and residency, CPP can be influenced by how and when you apply:

Delay Your Start

For every month you delay after age 65, your CPP benefit increases by 0.7%. That’s an 8.4% annual boost.

Contribute Early and Often

The more years you contribute, especially at higher earnings, the more you’ll receive in retirement.

Keep Track of Your Contribution History

Use the CPP Statement of Contributions tool online to ensure your records are correct.

Additional Support

Beyond CPP and OAS, you may be eligible for other government programs like:

• Guaranteed Income Supplement (GIS): For low-income seniors receiving OAS.
• Provincial top-ups: Some provinces offer extra support, including housing grants and utility relief.
• Property Tax Deferral: Available in some provinces for seniors who own homes but are cash-strapped.

What If You Don’t Receive the Full $3,600?

Not everyone will receive the full $3,600—only those who qualify for maximum CPP and the full double OAS will. But even a partial payment is a big help. If your total is lower:

• Review your CPP contributions—you may not have reached the maximum.
• Check if you qualify for OAS supplement programs like GIS.

Common Payment Issues

• Missed Payment: Confirm direct deposit or mailing address is accurate.
• Not Receiving Full Amount: Check eligibility or contact Service Canada for clarification.
• Still Waiting for First Payment: Delays can happen if you apply late or your documents are incomplete.

FAQs