Skip to the content
Advertisement · Sponsored content from NIVO Consultancy OÜ
Caethe
Canadian retirement, by the calendar
Section

Pensions

CPP and OAS: when they are paid, when to apply, and the dates that change the amount.

A man in his late sixties at a kitchen table on an autumn morning, a paper calendar by the window.
PensionsPaid 28 Oct
The CPP and OAS payment dates left in 2026, and what early 2027 looks like

The money arrives near the end of the month, never on the first, and December comes early. The remaining dates, why they move, and what to do if a deposit is late.

Caethe Editorial · 7 min read
 A woman in her early sixties filling in a paper form at a desk by a snowy window.
Pensions22 Oct
When to apply for CPP so the first payment isn't late

You can apply up to a year ahead, and online decisions take about four weeks. The gap that catches people is between the month they pick and the month they get round to applying.

Caethe Editorial · 6 min read
 A woman in her seventies walking along a leafy residential street in autumn.
PensionsDate 1 Jan
Why OAS amounts change four times a year

CPP moves once, in January. Old Age Security is reviewed every quarter, which is why the figure on the deposit can shift in April, July and October too.

Caethe Editorial · 6 min read
 A man of about seventy on the porch of a shingled house by the sea, holding a mug.
Pensions22 Oct
Why there's nothing to gain by waiting past 70 for CPP

The CPP increase for starting late stops at 70, and back pay is limited. A late application can quietly cost months of a pension that had already reached its maximum.

Caethe Editorial · 5 min read
Caethe is a sponsored information site published by NIVO Consultancy OÜ, registry code 12094006, Tallinn, Estonia. It is not a Government of Canada, Service Canada or Canada Revenue Agency website and is not affiliated with, endorsed by or connected to any of them. We do not process applications for any benefit, take no fees, and never ask for a Social Insurance Number, banking details or government account credentials. Countdowns on this site are calculated from today’s date against dates published on canada.ca; they are a reading aid, not a reminder service. For your own payments, use My Service Canada Account or contact Service Canada directly.