Canada OAS, GIS, CPP Triple Pension 2025: $808 + $1,097 + $1,433 November Checks Confirmed

Canada OAS, GIS, CPP Triple Pension 2025: $808 + $1,097 + $1,433 November Checks Confirmed.For many Canadian retirees, the combination of three key government-pension programs delivers the backbone of their monthly income.

In November 2025, eligible seniors can look forward to coordinated payments from the Old Age Security (OAS), the Guaranteed Income Supplement (GIS), and the Canada Pension Plan (CPP).

Media and government announcements confirm the headline-maximum amounts: up to $808 (OAS), $1,097 (GIS for low-income single recipients), plus up to $1,433 (CPP at age 65 for full entitlement) all on the payment schedule for November.

Canada OAS, GIS, CPP Triple Pension 2025-Overview 

Benefit Type	November 2025 Amount (Approx.)
Old Age Security (OAS)	$808/month
Guaranteed Income Supplement (GIS)	$1,097/month
Canada Pension Plan (CPP)	$1,433/month
Total Possible Monthly Income	Up to $3,338
Payment Date	November 27, 2025

What Are the Three Pension Streams?

Old Age Security (OAS)

The OAS program is a universal pension benefit for Canadians aged 65 and over (with citizenship or legal residency and sufficient years of residence). It is funded out of general tax revenues rather than individual contributions. For November 2025, the maximum monthly OAS payment for eligible seniors aged 75+ is cited at about $808.

Guaranteed Income Supplement (GIS)

GIS is a supplementary benefit for low-income seniors who already receive OAS. It is income-tested: that is, if you have very little other income besides OAS, you may qualify for the maximum GIS. The figure cited for November 2025 for a single recipient is about $1,097 per month.

Canada Pension Plan (CPP)

CPP is a contributory pension: during your working years in Canada (assuming you are in a CPP-covered employment/self-employment role) you pay contributions. The benefit you receive at retirement depends on your contribution history, when you start taking it (age 60, 65, or later), and inflation indexation. For new retirees at age 65 in 2025, the maximum monthly payment is cited at $1,433.

November 2025 Payment Schedule

According to government coordination, the payment date when all three pensions are typically paid is November 27, 2025.
Most seniors receive direct deposit, which is the fastest, most secure method. If you are still receiving paper cheques, those may arrive slightly later. Having all three payments land at once makes household budgeting easier for retirees, giving them a predictable lump of monthly income to manage expenses like housing, food, healthcare, utilities and other living costs.

Eligibility Criteria: What You Must Meet

For OAS

• You must be 65 years of age or older to collect OAS.
• You must be a Canadian citizen or legal resident.
• You must have lived in Canada for at least 10 years since age 18 (in many cases) to qualify for OAS.
• If your income rises significantly, you might face a “claw-back” of OAS benefits (i.e., a reduction), via the OAS recovery tax.

For GIS

• First you must qualify and receive OAS.
• You must have a low income, with thresholds varying by marital status, living arrangement, etc. For 2025 the guidance suggests roughly $20,000 annual income for singles and about $30,000 for couples as approximate thresholds.
• You must file your annual income tax return on time GIS eligibility is dependent on reported income.
• Because GIS is income-tested, increases in CPP or other pension income may reduce GIS eligibility.

For CPP

• You must have contributed to CPP via employment or self-employment in a CPP-covered period.
• You can start taking CPP as early as age 60 (with reduced payments) or begin at age 65 for full benefit, or defer up to age 70 (which increases the monthly amount).
• The maximum benefit amount (e.g., $1,433 per month) applies only if you have made the maximum contributions over a full career and begin at age 65. Most people will receive less.

How Much Can You Receive? The Combined Impact

If an eligible retiree were to qualify for the maximum amounts of each — OAS $808, GIS $1,097, CPP $1,433 in November 2025 — the combined total would be about $3,338/month.
That said, the real amount someone receives will vary considerably based on:

• How much CPP contributions were made during working years (so some retirees will get less than $1,433 from CPP).
• Whether the retiree qualifies for full GIS (many with other income will receive reduced GIS or none).
• Whether OAS is subject to reduction because of the “OAS recovery tax” (which kicks in when net income exceeds a threshold).
• Whether the retiree chose to defer CPP (which raises monthly CPP but may affect GIS eligibility).
• Whether any of the payments are delayed due to paperwork, direct deposit setup or tax filing delays.

FAQs for Canada OAS, GIS, CPP Triple Pension 2025