CRA Sends $2,166 Pension Benefit in April 2025: In April 2025, the Canada Revenue Agency (CRA) is sending out pension payments, and some Canadians could receive up to $2,166 this month. This amount isn’t a one-size-fits-all pension but a combined total of multiple government benefits, including the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS). So, how do you know if you qualify? And how can you ensure you’re getting the maximum amount? In this guide, we break it all down in plain language, so whether you’re planning for retirement, helping a loved one, or simply want to understand what’s available—you’re in the right place.
CRA Sends $2,166 Pension Benefit in April 2025
The CRA’s $2,166 pension benefit buzz is based on a combination of three key programs: CPP, OAS, and GIS. While not everyone will receive this full amount, understanding your entitlements, applying on time, and managing your income can help you get the maximum support you deserve. This article aimed to simplify the process and provide clear steps toward accessing these benefits. Whether you’re nearing retirement or helping someone who is, staying informed is your best financial move.
| Benefit | Maximum Monthly Payment | Eligibility Criteria |
|---|---|---|
| Canada Pension Plan (CPP) | $1,433.00 | Contributed to CPP during working years; amount depends on contribution history. |
| Old Age Security (OAS) | $727.67 (65-74)$800.44 (75+) | Legal resident or citizen aged 65+ with at least 10 years of residency. |
| Guaranteed Income Supplement (GIS) | $1,086.88 (single) | Low-income seniors receiving OAS; income threshold applies. |
Canada Pension Plan (CPP)
What is it?
The Canada Pension Plan (CPP) is a retirement income program for workers who contributed to it during their careers.
Key facts:
- Maximum monthly payment at age 65 (2025): $1,433.00
- Average payment: $808.14
- You can apply as early as age 60 (with a reduction) or delay until age 70 (for a boost).
- Your payment depends on how much and how long you contributed.
Contribution Info (2025):
- Contribution rate: 5.95% (employee/employer), 11.9% (self-employed)
- Maximum contribution (employee): $4,034.10
- Year’s Maximum Pensionable Earnings (YMPE): $71,300
Old Age Security (OAS)
What is it?
Old Age Security (OAS) is a monthly payment for Canadians aged 65 or older. Unlike CPP, you don’t have to have worked in Canada to receive it.
Key facts:
- Max monthly payment:
- Age 65–74: $727.67
- Age 75+: $800.44
- You must have lived in Canada for at least 10 years after turning 18.
- Clawback begins if your annual income exceeds $86,912 (2023 threshold).
You may be eligible for a partial OAS if you haven’t lived in Canada for 40 years after age 18.
Guaranteed Income Supplement (GIS)
What is it?
GIS is a non-taxable monthly benefit for low-income seniors who receive OAS.
Key facts:
- Max monthly payment for a single person: $1,086.88
- Couples may receive a lower amount based on combined income.
- You must apply for GIS if not automatically enrolled.
Income thresholds (2025):
- Single: Less than $22,056
- With spouse: Less than $29,136
CRA Sends $2,166 Pension Benefit Example: How You Could Get $2,166 in April 2025
Let’s break down how someone might reach the much-talked-about $2,166 monthly amount:
- CPP (Max): $1,433.00
- OAS (Age 65–74): $727.67
- GIS (Single, low-income): $0 (would exceed GIS threshold)
Or:
- CPP (Avg): $808.14
- OAS (Age 75+): $800.44
- GIS (Low-income): $557.42
- Total: $2,166.00
This total varies greatly depending on your age, income, marital status, and contribution history. Many retirees will receive a mix of these programs.
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FAQs About CRA Sends $2,166 Pension Benefit in April 2025
1. Do I automatically get all three benefits—CPP, OAS, and GIS?
Not necessarily. CPP requires application and contributions. OAS may be auto-enrolled, but GIS often requires a separate application if not done automatically.
2. Can I work while receiving CPP or OAS?
Yes. You can work and still receive CPP and OAS, but it may impact GIS eligibility and could trigger an OAS clawback if your income is too high.
3. Is the $2,166 guaranteed for everyone?
No. It’s the maximum possible combination. Your actual benefit depends on many factors like income, contributions, and age.
4. Are these payments taxed?
CPP and OAS are taxable. GIS is non-taxable.
5. How do I apply for these benefits?
Visit My Service Canada Account to apply online or check eligibility.
