As the winter season approaches and expenses increase, Canadians can expect some financial relief from federal and provincial programs. Several key payments—including CPP, OAS, Child Benefits, and Ontario rebates—will be issued in November and December 2025, providing timely support for households and seniors.
Canadian Retirement Benefits Overview
Canada’s retirement income system includes multiple programs: Old Age Security (OAS), Guaranteed Income Supplement (GIS), Allowance for the Survivor, and the Canada Pension Plan (CPP). These programs aim to ensure financial stability for seniors and their families.
Canada Pension Plan (CPP)
- Eligibility: Individuals aged 65 and above
- Maximum Payment: $1,433 per month
Old Age Security (OAS) Pension
| Age Group | Annual Income Limit | Maximum Monthly Payment |
|---|---|---|
| 65–74 years | Below $148,451 | $707.67 |
| 75+ years | Below $154,196 | $880.44 |
The OAS pension is reviewed quarterly (January, April, July, and October) to align with inflation as measured by the Consumer Price Index (CPI). Even if the cost of living decreases, OAS payments will not be reduced.
Next CPP and OAS Payment Dates:
- November 26, 2025
- December 22, 2025
Canada Child Benefit (CCB)
The Canada Revenue Agency (CRA) provides a tax-free monthly payment to families with children under 18. The benefit may also include the Child Disability Benefit and provincial/territorial supplements.
Upcoming CCB Payment Dates:
- November 20, 2025
- December 12, 2025
Ontario Child Benefit: Up to $1,607 per child annually, based on family income and the number of dependents under 18.
Ontario Trillium Benefit (OTB)
The Ontario Trillium Benefit combines three credits:
- Ontario Energy and Property Tax Credit
- Northern Ontario Energy Credit
- Ontario Sales Tax Credit
Upcoming OTB Payment Dates:
- November 10, 2025
- December 10, 2025
Veteran Disability Pension
This tax-free monthly payment supports veterans and service members with service-related disabilities or illnesses.
Eligible groups:
- Canadian Armed Forces and RCMP members
- Second World War and Korean War veterans
Recipients can choose between:
- Pain and Suffering Compensation (monthly or lump-sum)
- Disability Pension (includes dependents’ support)
Next Payment Dates:
- November 28, 2025
- December 23, 2025
CPP Benefits for Students Under 25
Starting in 2025, part-time students aged 18–24 with a deceased or disabled parent who contributed to CPP can receive $150.89 per month.
Full-time students will continue receiving $301.77 monthly in 2025.
To qualify, students must meet the minimum attendance requirement set by their educational institution.
Property Tax Rebate for Low-Income Residents
Low-income seniors (65+) or persons with disabilities who have owned and lived in their homes for at least one year may apply for a property tax rebate.
Eligibility Requirements:
- Must receive benefits under GIS or ODSP.
- If the property is jointly owned, at least one owner must qualify under GIS or ODSP.
Special Cases:
- Married couples: either spouse qualifies.
- Two siblings: both must receive GIS or ODSP.
- Married couple with sibling: one spouse and the sibling must qualify.
Approved applicants automatically receive a Stormwater Charge Subsidy:
- Single-family homes: Subsidy applied to Region of Peel water bill
- Condominiums: Receive a cheque from the City of Mississauga
Application Deadline: December 31, 2025 (applications accepted any time with complete documentation)
Conclusion
The end-of-year benefits schedule brings much-needed relief to Canadian households coping with rising living costs. From CPP and OAS payments for seniors to child and veteran benefits, these programs ensure continuous support for those in need. Residents are advised to stay updated on payment schedules, verify eligibility, and apply early to receive their benefits on time.
FAQs
1. When are the next CPP and OAS payments?
The next Canada Pension Plan and Old Age Security payments will be made on November 26 and December 22, 2025.
2. How much can seniors receive under OAS in 2025?
Seniors aged 65–74 can get up to $707.67, while those 75+ may receive up to $880.44 monthly, depending on income.
3. Who can apply for the Ontario property tax rebate?
Low-income seniors or persons with disabilities receiving GIS or ODSP benefits who own and live in their homes for at least one year are eligible.
