Canada pension and old age benefit payments due on October 28

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Canada pension payments October 28

Highlights

Service Canada will issue CPP, OAS, and GIS benefit payments on October 28, November 26, and December 22, 2026.
In 2026, the maximum monthly CPP retirement pension at age 65 is $1,507.65 with an average new benefit of $858.34 as of July 2026.
For October–December 2026, maximum OAS payments are $762.50 (ages 65–74), $838.75 (75+), and GIS benefits can reach $1,138.90 monthly.

October payment schedule and benefit amounts

As reported by MoneySense, citing the Government of Canada, Service Canada is issuing October 2026 payments for CPP, OAS and GIS on Wednesday, October 28, with additional payment dates scheduled for November 26 and December 22.

The CPP retirement pension is a taxable monthly benefit for eligible retirees and can begin as early as age 60, at age 65 for the standard pension, or as late as age 70 for a higher monthly amount. In 2026, the maximum monthly CPP retirement pension starting at age 65 is $1,507.65, while the average new retirement pension as of July 2026 is $858.34.

For contributors with severe and prolonged disabilities, the maximum CPP disability benefit in 2026 is $1,741.20 a month. The average new disability benefit as of July 2026 is $1,236.32, and the program also covers certain survivors and includes post-retirement disability support introduced in 2019.

Eligibility rules and what delayed payments mean

CPP eligibility for retirement benefits starts at age 60 for people who have made at least one valid contribution through work in Canada or through credits from a former spouse or common-law partner. People who keep working while collecting CPP are not penalized, and workers under 70 may continue building Post-Retirement Benefits.

OAS is available to most Canadians aged 65 and older based on age and years lived in Canada after turning 18, rather than employment contributions. For the October to December 2026 quarter, the maximum monthly OAS payment is $762.50 for people aged 65 to 74 and $838.75 for those aged 75 and over, while GIS provides an added tax-free benefit for lower-income seniors, reaching as much as $1,138.90 a month depending on income and marital status.

Enrollment in OAS is often automatic through Service Canada, but people who do not receive a notice may need to apply through their My Service Canada Account. The federal government advises recipients to wait five to 10 business days before contacting the program if a direct deposit or cheque does not arrive on the listed payment date.

In our earlier article on the National Housing Expo and Pag-IBIG Fund’s Expanded 4PH Program, we outlined how Filipino workers could access 50,000 housing units alongside on-site loan assistance and discounted acquired assets. We also summarized key financing terms, including housing loans of up to P10 million and subsidized or promotional interest rates available through Dec. 31, 2026—context that highlights how public programs shape household budgets and long-term planning.

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