If you’re a senior or someone receiving government benefits in Canada, 2025 is a year of significant updates regarding Canada Pension Plan (CPP) and Federal-Provincial-Territorial (FPT) payments. From scheduled deposit dates to payment increases and survivor entitlements, this guide answers the most pressing questions Canadians are asking right now.
Table of Contents
CPP Payment Dates for 2025
If you receive Canada Pension Plan (CPP) benefits, your payments will be deposited once a month. Here are the official CPP payment dates for 2025:
- January 29
- February 26
- March 27
- April 28
- May 28
- June 26
- July 29
- August 27
- September 25
- October 29
- November 26
- December 22
Make sure your banking information is up-to-date with Service Canada to receive direct deposits on time.
How Much Will CPP Payments Increase in 2025?
The CPP is adjusted every January based on inflation through the Consumer Price Index (CPI). In 2025, the increase is 4.4%, reflecting the rising cost of living.
Here are the maximum monthly CPP payments for 2025:
| Type of Benefit | Maximum Monthly Payment (2025) |
|---|---|
| Retirement Pension (age 65) | $1,433 |
| Post-Retirement Benefit | Varies based on contributions |
| Disability Benefit | $1,673.24 |
| Survivor’s Benefit (under 65) | $770.88 |
| Survivor’s Benefit (65+) | $859.80 |
| Children of Disabled Contributor | $301.77 |
| Orphan’s Benefit | $301.77 |
| Death Benefit (lump sum) | $2,500 (max) |
Note: Most Canadians don’t receive the maximum. The average monthly retirement benefit for new recipients in early 2025 is around $844.53
Will Seniors Get Extra Money This Month in Canada (2025)?
Yes — in July 2025, several groups of seniors may receive additional payments:
- Canada Pension Plan (CPP) – Regular deposit on July 29.
- Old Age Security (OAS) – Paid July 29, including the Guaranteed Income Supplement (GIS) for eligible low-income seniors.
- One-Time Supplements – While there is no official Canada-wide one-time senior bonus announced as of July 2025, provinces like Ontario (through GAINS) and Newfoundland and Labrador (Seniors Benefit) are distributing extra or adjusted indexed benefits for seniors.
Always check My Service Canada Account or your provincial social service site to confirm eligibility for top-ups or energy rebates based on income.
GST Payment Dates 2025: Full CRA Schedule and Eligibility Details
Do I Get My Husband’s CPP After He Dies?
Yes — you may be eligible for CPP survivor benefits after the death of your spouse.
Here’s how it works:
- Survivor’s Pension: If your spouse contributed to CPP, you may receive a monthly survivor’s pension.
- Amount depends on:
- Your age
- Whether you’re receiving CPP already
- Your spouse’s contribution history
Example:
- If you’re over 65, you can receive up to 60% of your late spouse’s retirement pension, up to a max of $818.76/month.
- If you’re under 65, you’ll receive a flat rate + a percentage of their pension, capped at $752.15/month.
You’ll also be eligible for a one-time death benefit of up to $2,500.
Apply as soon as possible through Service Canada — payments can be retroactive for up to 12 months.
How Much Will FPT Payments Be in 2025?
Canada FPT payments refer to Federal-Provincial-Territorial programs issued by the CRA, usually labelled as “Canada FPT Deposit” on your bank statement. These include:
- GST/HST Credit
- Canada Child Benefit (CCB)
- Provincial Tax Credits (e.g., Ontario Trillium Benefit, BC Climate Action Tax Credit)
2025 FPT Payment Dates
| GST/HST Credit (Quarterly) | Canada Child Benefit (Monthly) |
|---|---|
| January 3 | January 20 |
| April 4 | February 20 |
| July 4 | March 20 |
| October 3 | April 17 |
| May 20 | |
| June 20 | |
| July 18 | |
| August 20 | |
| September 19 | |
| October 20 | |
| November 20 | |
| December 12 |
Canada FPT Payment Dates 2025: Key Federal and Provincial Benefits, Amounts & Eligibility Explained
How Much Are 2025 FPT Payments?
GST/HST Credit:
- Single adult: Up to $533
- Married/common-law: Up to $698
- Per child under 19: $184
- Income thresholds apply (e.g., single adult must earn less than $54,704)
Canada Child Benefit (CCB):
- Child under 6: Up to $7,997/year (≈$666/month)
- Child aged 6–17: Up to $6,748/year (≈$562/month)
- Varies based on net family income
Provincial FPT Payments:
Paid quarterly on the same dates as the GST/HST credit. Examples include:
- Ontario Trillium Benefit
- BC Climate Action Tax Credit
- Newfoundland & Labrador Income Supplement
- Nova Scotia Affordable Living Tax Credit
Trillium Payment Dates 2025: Monthly Payment Schedule and Maximum Amounts Revealed
Final Thoughts
In 2025, Canadian seniors and families can expect consistent support from CPP and FPT programs. With inflation-indexed increases and guaranteed monthly/quarterly payment schedules, these government programs play a vital role in financial stability for millions.
Key Takeaways:
- CPP payments rise 4.4% in 2025
- FPT payments include both federal and provincial benefits
- Survivor benefits are available through CPP
- Payment dates are consistent — mark your calendars!
For the most accurate updates, log into My CRA Account or My Service Canada Account regularly.