Service Canada has two scheduled payment dates in November 2026, beginning with the Canada Disability Benefit on November 19 and followed by CPP, OAS, GIS, and Allowance payments on November 26.
November’s pension deposits carry the 1.4% quarterly OAS increase that took effect in October, making the October-to-December 2026 quarter the strongest single adjustment of the entire calendar year.
That quarterly bump pushed maximum OAS payments past $762 for seniors aged 65 to 74 and past $838 for those 75 and older, with corresponding increases to the Guaranteed Income Supplement and Allowance programs.
This guide covers the scheduled November payments for CPP, OAS-related benefits, and the Canada Disability Benefit.
Employment Insurance payments follow individual claim and reporting schedules rather than these fixed monthly dates and are not included in this guide.
Table of Contents
Canada Disability Benefit
The Canada Disability Benefit arrives first on Thursday, November 19, 2026, a full week before the pension payments land on November 26.
Service Canada issues CDB payments on the third Thursday of every month, which keeps it on a separate schedule from CPP and OAS.
The maximum monthly CDB for the July 2026 to June 2027 benefit year is $204.20, reflecting a 2.1% inflation adjustment applied in July.
Recipients whose calculated CDB entitlement is $20 or less per month receive a lump-sum payment covering the remaining benefit period instead of monthly deposits, so they may not receive a separate November payment.
Payment amounts depend on adjusted family net income, calculated from the applicant’s and their spouse’s or common-law partner’s 2025 income tax returns.
Eligible individuals must be between 18 and 64 years old, hold a valid Disability Tax Credit certificate approved by the CRA, be a Canadian tax resident, and meet the qualifying immigration or status requirements.
Applicants and their spouse or common-law partner must also have filed the required federal income tax returns for the applicable year.
CDB eligibility also requires one of the following statuses in Canada: citizen, permanent resident, protected person, person registered or entitled to be registered under the Indian Act, or temporary resident who has lived in Canada throughout the previous 18 months.
Holding an approved DTC certificate does not automatically enrol someone in the CDB, and a separate application must be submitted to Service Canada.
Applications can be submitted through the official Canada Disability Benefit application on Canada.ca, by calling 1-833-486-3007, in person at a Service Canada Centre, or by mailing a paper form.
CDB eligibility includes the month the recipient turns 65 and ends afterward.
OAS and GIS have separate eligibility and enrolment requirements, so reaching 65 does not trigger an automatic transfer from CDB to those programs.
Guaranteed Income Supplement
Low-income seniors already receiving OAS will also see their GIS payment deposited on November 26 alongside their OAS pension.
The maximum monthly GIS for a single, widowed, or divorced senior is $1,138.90 for the October-to-December 2026 quarter, up from $1,123.17 in the previous quarter.
A married couple where both partners receive the full OAS pension can each receive up to $685.56 in GIS per month for this quarter.
The exact GIS amount depends on marital status and income type, with employment and self-employment income receiving special treatment under the exemption rules.
The first $5,000 of employment earnings is fully exempt from the GIS income calculation, and a partial exemption applies on earnings between $5,000 and $15,000.
A single senior with no other countable income who qualifies for both the full OAS pension and maximum GIS can receive a combined monthly deposit of approximately $1,901.40 in the 65-to-74 age group.
At age 75 and older, that combined figure rises to approximately $1,977.65 per month.
GIS amounts are non-taxable but must be reported on line 14600 of the tax return as net federal supplements, with an offsetting deduction on line 25000.
Recipients with a partial OAS pension should contact Service Canada directly for their specific GIS calculation because standard maximum-payment tables may not apply.
Old Age Security Payments
Seniors receiving the Old Age Security pension will see their November 26 deposit reflect the 1.4% quarterly increase that Service Canada applied starting with the October 28 payment.
The maximum monthly OAS pension for the October-to-December 2026 quarter is $762.50 for eligible people aged 65 to 74 and $838.75 for those 75 and older.
Seniors aged 75 and over automatically receive a 10% permanent enhancement to their OAS pension once they reach that age, which is why their maximum is higher.
The full pension requires 40 years of Canadian residence after age 18, while those with at least 10 years of residence qualify for a partial pension calculated proportionally.
Most eligible people do not need to apply because Service Canada automatically enrols those for whom it has enough information.
Individuals who wish to defer their OAS pension beyond 65 can increase the monthly amount by 0.6% for each month of deferral, up to a maximum increase of 36% at age 70.
OAS Recovery Tax
Seniors whose 2025 net world income exceeds $93,454 will have a portion of their OAS repaid through the recovery tax, which is spread across 12 monthly OAS payments after the CRA calculates the amount from the annual tax return.
The full OAS pension is eliminated for seniors aged 65 to 74 once 2025 net income reaches approximately $152,062, and for those 75 and older once it reaches approximately $157,923.
Allowance and Allowance for the Survivor
Individuals aged 60 to 64 whose spouse or common-law partner receives the OAS pension and GIS may qualify for the Allowance, which pays up to $1,448.06 per month in the October-to-December 2026 quarter.
The Allowance for the Survivor provides up to $1,726.18 per month to individuals aged 60 to 64 whose spouse or common-law partner has died and who have not remarried or entered a new common-law relationship.
Allowance eligibility requires combined annual income of both the applicant and their spouse to be below $42,768.
Allowance for the Survivor eligibility requires the individual’s annual income to be below $31,152.
Both programs generally require Canadian citizenship or legal residence, residence in Canada, and at least 10 years of Canadian residence after age 18, subject to applicable exceptions and sponsorship rules.
Allowance and Allowance for the Survivor payments are scheduled for November 26 alongside OAS and GIS and are subject to the same quarterly indexation.
Canada Pension Plan Payments
CPP recipients across Canada will receive their November pension deposit on Thursday, November 26, 2026.
The published January 2026 maximum for a new CPP retirement pension starting at age 65 is $1,507.65 per month, and maximum amounts for new pensions increase during the year through the CPP enhancement.
Actual CPP amounts vary based on contribution history, pensionable earnings, and the age at which benefits begin.
The current published average CPP retirement pension for a new beneficiary starting at age 65 is $858.34, based on July 2026 data from the official CPP payment amounts page.
CPP applies to workers outside Quebec, where the Quebec Pension Plan provides equivalent coverage.
Other CPP Benefits Paid on November 26
Beyond retirement pensions, Service Canada also deposits CPP disability, survivor, and children’s benefits on November 26.
The CPP children’s benefit covers eligible children under 18 and students aged 18 to 25 attending a recognized school full-time at $307.81 per month or part-time at $153.91 per month.
The CPP death benefit provides a one-time payment of up to $2,500, with an additional $2,500 top-up available when the deceased never received a CPP or QPP retirement, disability, or post-retirement disability benefit and has no spouse or common-law partner eligible for a survivor pension.
CPP amounts are adjusted annually each January through cost-of-living indexation, unlike OAS which adjusts quarterly.
November 2026 Service Canada Payment Calendar
| Benefit | Payment Date | Maximum Monthly Amount |
|---|---|---|
| Canada Disability Benefit | November 19, 2026 | $204.20 |
| Canada Pension Plan (retirement, 65) | November 26, 2026 | $1,507.65 (Jan 2026 max) |
| Old Age Security (age 65–74) | November 26, 2026 | $762.50 |
| Old Age Security (age 75+) | November 26, 2026 | $838.75 |
| GIS (single, widowed, divorced) | November 26, 2026 | $1,138.90 |
| Allowance (age 60–64) | November 26, 2026 | $1,448.06 |
| Allowance for the Survivor | November 26, 2026 | $1,726.18 |
How to Verify Your November Payments
CPP, OAS, and GIS recipients can check their payment details through My Service Canada Account under the payment information section.
If a CPP, OAS, or GIS payment does not arrive within five to 10 business days of the scheduled date, Service Canada recommends contacting them at 1-800-277-9914.
For the Canada Disability Benefit, recipients should call 1-833-486-3007 if the November 19 deposit does not arrive within 10 business days.
Direct deposit is the fastest method for receiving Service Canada payments, and recipients can enrol or update their banking information through My Service Canada Account.
The final scheduled CPP and OAS payment of 2026 arrives earlier than usual, with those pensions landing on Tuesday, December 22, and the CDB on Thursday, December 17.
December’s pension payments will still carry the current October-to-December quarterly OAS rates, and the next quarterly adjustment is expected in January 2027.
CPP amounts will receive their annual cost-of-living increase in January 2027, which will be based on the year-over-year change in the Consumer Price Index.
The complete Service Canada payment schedule is published on the Government of Canada website and updated as new dates are confirmed.
Frequently Asked Questions (FAQs)
Why do CPP and OAS arrive on the same date but the Canada Disability Benefit arrives earlier?
The Government of Canada’s official benefits payment calendar confirms that CPP and OAS share the same monthly payment date, which for November 2026 is November 26.
The Canada Disability Benefit was launched as a separate program with its own payment schedule set on the third Thursday of every month, creating the gap between the two deposit dates.
Recipients collecting both CDB and CPP disability will see two separate deposits in November: the CDB on November 19 and the CPP disability payment on November 26.
Can someone receive CPP, OAS, and GIS all at the same time?
Yes, many Canadian seniors qualify for all three programs simultaneously, and all three are scheduled for November 26.
CPP is based on your lifetime contributions during working years, OAS is based on years of Canadian residence after age 18, and GIS is based on having low income while already receiving OAS.
A single senior aged 65 to 74 with no other countable income could receive $1,901.40 monthly from full OAS and maximum GIS.
Someone receiving CPP may also qualify for GIS, but their CPP income is included when calculating their GIS entitlement.
Does GIS reduce dollar-for-dollar as other income increases?
The GIS reduction is not a simple dollar-for-dollar formula because the exact calculation depends on marital status and the type of income being counted.
Employment and self-employment income receive preferential treatment: the first $5,000 is fully exempt, and a partial exemption applies on the next $10,000.
This means a GIS recipient who earns $5,000 or less from employment will not see their GIS payment reduced by that employment income.
How is the Canada Disability Benefit different from CPP disability?
CPP disability is an earnings-replacement benefit that requires sufficient recent CPP contributions and a medical condition that prevents regular work.
The Canada Disability Benefit does not require CPP contributions, but applicants must meet its age, Disability Tax Credit, tax-residency, status, and tax-filing requirements.
An individual can collect both payments simultaneously, though CPP disability income counts toward the income test that determines the CDB amount.
CDB eligibility includes the month the recipient turns 65 and ends afterward, while CPP disability automatically converts to a CPP retirement pension at that age.
OAS and GIS have separate eligibility and enrolment requirements that are not tied to CDB status.
What happens to OAS and GIS payments if a senior leaves Canada?
OAS pension payments can continue outside Canada if the senior has at least 20 years of Canadian residence after age 18, though international social security agreements can help meet that requirement.
The pension amount remains based on actual years of Canadian residence regardless of whether an agreement is used.
GIS payments require living in Canada and stop if the recipient moves abroad, though short temporary absences may be permitted under specific conditions.
Seniors planning extended travel should verify their eligibility status with Service Canada before departure to avoid unexpected payment interruptions.
Fact-Checked: All payment dates and benefit amounts in this article were verified against the official Government of Canada benefits payment calendar and the ESDC quarterly rate card for October to December 2026, with page dates current as of early November 2026.
Disclaimer: This article provides general information only and should not be treated as financial, legal, or tax advice. Individual benefit amounts depend on contribution history, years of Canadian residence, income, marital status, and other personal circumstances. For personalized guidance, contact Service Canada at 1-800-277-9914 or visit the official Old Age Security page on Canada.ca.
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