Last Updated On 19 July 2026, 10:58 AM EDT (Toronto Time)
Service Canada administers some of the most important benefit payments in the country, and together they reflect the strength of Canada’s social safety net.
Some of these monthly deposits exceed $1,500 on their own, while others stack together to push combined household payments past $2,200 per month.
Several of these benefits are increasing at different times of the year, with one program adjusting four times in a year and another receiving its inflation bump in the beginning of the new year.
Whether you are already receiving payments or planning to apply in the months ahead, knowing the exact deposit date for each month prevents missed bills, overdraft fees, and unnecessary stress.
This guide covers every Service Canada benefit payment date, every current dollar amount, the increase schedule for each program, and calculation charts showing what different recipients can expect to receive.
Table of Contents
CPP, OAS, and GIS Payment Dates: July 2026 to December 2027
The Canada Pension Plan, Old Age Security, Guaranteed Income Supplement, the Allowance, and the Allowance for the Survivor all deposit on the same dates each month, typically in the final week.
Payments are issued on the scheduled dates, but direct deposits may take a few days to appear.
Posted cheques can take longer, and recipients should generally wait 5 to 10 business days before reporting a missing payment.
- July 29, 2026 (Wednesday)
- August 27, 2026 (Thursday)
- September 25, 2026 (Friday)
- October 28, 2026 (Wednesday)
- November 26, 2026 (Thursday)
- December 22, 2026 (Tuesday)
- January 27, 2027 (Wednesday)
- February 24, 2027 (Wednesday)
- March 29, 2027 (Monday)
- April 28, 2027 (Wednesday)
- May 27, 2027 (Thursday)
- June 28, 2027 (Monday)
- July 28, 2027 (Wednesday)
- August 27, 2027 (Friday)
- September 27, 2027 (Monday)
- October 27, 2027 (Wednesday)
- November 26, 2027 (Friday)
- December 22, 2027 (Wednesday)
The December payment is moved earlier each year to ensure deposits arrive before the Christmas and Boxing Day bank closures.
There is no extra or 13th payment in December, and the gap between the December 22 deposit and the late-January payment is approximately five weeks, the longest stretch between payments all year.
These dates apply to CPP retirement pensions, CPP disability benefits, CPP survivor pensions, CPP children’s benefits, OAS pensions, GIS, the Allowance, and the Allowance for the Survivor.
Canada Disability Benefit Payment Dates: July 2026 to December 2027
The Canada Disability Benefit follows a different schedule from CPP and OAS.
Service Canada issues CDB payments on the third Thursday of every month, which means CDB deposits arrive earlier in the month than pension payments.
More than 600,000 Canadians aged 18 to 64 with approved Disability Tax Credit certificates receive this monthly payment.
- July 16, 2026 (Thursday)
- August 20, 2026 (Thursday)
- September 17, 2026 (Thursday)
- October 15, 2026 (Thursday)
- November 19, 2026 (Thursday)
- December 17, 2026 (Thursday)
- January 21, 2027 (Thursday)
- February 18, 2027 (Thursday)
- March 18, 2027 (Thursday)
- April 15, 2027 (Thursday)
- May 20, 2027 (Thursday)
- June 17, 2027 (Thursday)
- July 15, 2027 (Thursday)
- August 19, 2027 (Thursday)
- September 16, 2027 (Thursday)
- October 21, 2027 (Thursday)
- November 18, 2027 (Thursday)
- December 16, 2027 (Thursday)
The CDB benefit year runs from July through June, so July payments each year reflect updated income calculations and any annual indexation adjustment.
CDB recipients who also collect CPP disability should note that these two payments arrive on completely different schedules, as explained in our June 2026 CDB guide.
CPP Payment Amounts and the Annual January Increase
Unlike OAS, the Canada Pension Plan adjusts once per year in January based on the Consumer Price Index.
For 2026, CPP benefits in pay increased by 2.0%, applied to every monthly payment starting with the January 28 deposit.
This annual indexation applies to all CPP benefit types, including retirement pensions, disability benefits, survivor pensions, and children’s benefits.
The 2.0% rate was calculated by comparing the average CPI for the 12 months ending October 2025 against the same period one year earlier, as published on the official CPP payment amounts page.
CPP Maximum and Average Monthly Amounts (January 2026)
| Type of pension or benefit | Average amount for new beneficiaries (April 2026) | Maximum monthly payment amount (2026) |
|---|---|---|
| Retirement pension (at age 65) | $877.01 | $1,507.65 |
| Post-retirement benefit (at age 65) | $25.76 | $54.69 |
| Disability benefit | $1,234.68 | $1,741.20 |
| Post-retirement disability benefit | $610.46 | $610.46 |
| Survivor’s pension – younger than 65 | $549.62 | $803.54 |
| Survivor’s pension – 65 and older | $339.36 | $904.59 |
| Children of disabled or deceased contributor benefit – under age 18 | $307.81 | $307.81 |
| Children of disabled or deceased contributor benefit – full-time student | $307.81 | $307.81 |
| Children of disabled or deceased contributor benefit – part-time student | $153.91 | $153.91 |
| Death benefit (one-time payment)1 | $2,606.18 | $2,500.00 |
| Combined survivor’s and retirement pension (at age 65) | $1,103.97 | $1,531.56 |
| Combined survivor’s pension and disability benefit | $1,335.78 | $1,756.14 |
The $1,507.65 maximum applies only to individuals who begin a new CPP retirement pension at age 65 with a full contribution history at the maximum pensionable earnings level for approximately 39 years.
Most Canadians receive closer to the $877.01 average because contribution gaps from school, unemployment, caregiving, or part-time work reduce the calculated amount.
The CPP death benefit provides a standard one-time payment of $2,500. An additional $2,500 top-up may apply in limited circumstances, bringing the maximum possible payment to $5,000.
How Your CPP Start Age Affects Monthly Payments
Choosing when to start CPP is one of the most significant retirement income decisions because the monthly amount is permanently adjusted based on your start age.
| Start Age | Adjustment | Estimated Monthly (Based on 2026 Max) |
|---|---|---|
| Age 60 | -36.0% (0.6% per month x 60 months) | $964.90 |
| Age 65 | No adjustment (standard age) | $1,507.65 |
| Age 70 | +42.0% (0.7% per month x 60 months) | $2,140.86 |
Starting at 60 locks in a permanent 36% reduction, while waiting until 70 provides a 42% permanent increase over the age-65 amount.
These figures represent the maximum scenario and your actual amount will depend on your personal contribution history.
OAS Quarterly Increases and Payment Amounts
Old Age Security adjusts four times per year—in January, April, July, and October—based on changes in the Consumer Price Index measured by Statistics Canada.
This quarterly review means OAS recipients can see their payment change up to four times in a single year, unlike CPP, which only changes in January.
Under the Old Age Security Act, published OAS rates never decrease even when inflation falls, providing a one-way floor that protects purchasing power.
2026 OAS Maximum Monthly Pension by Quarter
| Quarter | Ages 65-74 | Ages 75+ | Quarterly Increase |
|---|---|---|---|
| January – March 2026 | $742.31 | $816.54 | 0.3% |
| April – June 2026 | $743.05 | $817.36 | 0.1% |
| July – September 2026 | $751.97 | $827.17 | 1.2% |
| October – December 2026 | TBD (CPI dependent) | TBD (CPI dependent) | TBD |
The July to September 2026 amounts reflect the 1.2% quarterly increase, the largest single-quarter adjustment of the year.
Seniors aged 75 and older continue to receive the permanent 10% enhancement that was introduced in July 2022 on top of all regular quarterly adjustments.
Seniors who defer OAS past age 65 receive a 0.6% increase for every month of deferral, up to a maximum of 36% at age 70.
Guaranteed Income Supplement Amounts
The GIS provides additional monthly income to low-income OAS recipients and follows the same quarterly adjustment cycle as OAS.
GIS is a non-taxable benefit paid on top of the OAS pension, and the two are typically combined into a single deposit on the same date each month.
Maximum Monthly GIS Amounts (July – September 2026)
| Recipient situation | Maximum monthly GIS/Allowance | Income threshold |
|---|---|---|
| Single, widowed, or divorced | $1,123.17 | $22,800 |
| Spouse/partner receives full OAS | $676.09 each | $30,096 combined |
| Spouse/partner does not receive OAS or Allowance | $1,123.17 | $54,624 combined |
| Spouse/partner receives the Allowance | $676.09 | $42,144 combined |
| Allowance, age 60–64 | $1,428.06 | $42,144 combined |
| Allowance for the Survivor, age 60–64 | $1,702.34 | $30,696 |
For the July to September 2026 quarter, GIS maximums increase by 1.2% alongside OAS, pushing the single maximum to approximately $1,123.17 per month.
GIS is reduced by $1 for every $2 of annual income other than OAS, creating a 50% reduction rate for single seniors.
A single senior with no other income receives a combined OAS and GIS payment of approximately $1,875 per month starting with the July 29, 2026 deposit.
Every July, Service Canada recalculates GIS using your previous year’s tax return, which is why filing on time by April 30 is essential to avoid payment suspensions.
Canada Disability Benefit Amounts Increase
The Canada Disability Benefit was introduced in mid-2025 as a monthly income support for working-age Canadians aged 18 to 64 who hold a valid Disability Tax Credit certificate.
The CDB received its first annual inflation adjustment in July 2026 based on a 2.1% CPI indexation factor.
CDB Payment Amounts by Benefit Year
| Benefit Period | Maximum Monthly | Maximum Annual | Indexation Rate |
|---|---|---|---|
| July 2025–June 2026 | $200.00 | $2,400.00 | N/A (pre-indexation) |
| July 2026 – June 2027 | $204.20 | $2,450.40 | 2.1% |
The income thresholds for receiving the full CDB also increased with the July indexation.
Single recipients now have an income threshold of $23,483, up from $23,000, while the couple threshold rose from $32,500 to $33,182.50.
The working income exemption allows single recipients to earn up to $10,210 in employment income before it affects their benefit calculation, while couples can exclude up to $14,294.
Beginning in September 2026, eligible CDB recipients may also receive a one-time supplemental payment of $150 to help offset costs associated with obtaining a Disability Tax Credit certificate.
The CDB is non-taxable, does not need to be reported as income on your annual tax return, and does not generate a tax slip.
Its treatment under provincial disability programs depends on the rules in each province or territory.
Combined Monthly Payment Calculation Charts
The following charts show what different recipients can receive per month based on current 2026 amounts, assuming maximum eligibility in each category.
Scenario 1: Senior Aged 65-74, Single, Low Income (July 2026)
| Benefit | Monthly Amount |
|---|---|
| OAS pension (maximum, ages 65-74) | $751.97 |
| GIS (maximum, single) | $1,123.17 |
| Combined monthly total | $1,875.14 |
| Combined annual total | $22,501.68 |
Scenario 2: Senior Aged 75+, Single, Low Income (July 2026)
| Benefit | Monthly Amount |
|---|---|
| OAS pension (maximum, ages 75+) | $827.17 |
| GIS (maximum, single) | $1,123.17 |
| Combined monthly total | $1,950.34 |
| Combined annual total | $23,404.08 |
Scenario 3: Retiree With Maximum CPP + Full OAS at Age 65 (July 2026)
| Benefit | Monthly Amount |
|---|---|
| CPP retirement pension (maximum at 65) | $1,507.65 |
| OAS pension (maximum, ages 65-74) | $751.97 |
| Combined monthly total | $2,259.62 |
| Combined annual total | $27,115.44 |
Scenario 4: Working-Age Canadian With Disability (July 2026)
| Benefit | Monthly Amount |
|---|---|
| CPP disability benefit (maximum) | $1,741.20 |
| Canada Disability Benefit (maximum) | $204.20 |
| Combined monthly total | $1,945.40 |
| Combined annual total | $23,344.80 |
These scenarios illustrate theoretical maximums and actual amounts depend on individual contribution history, income, years of Canadian residence, and marital status.
Use the My Service Canada Account to see your personalized benefit estimates.
OAS Recovery Tax Quick Reference
Higher-income seniors may have their OAS reduced through the recovery tax, commonly called the clawback.
For the July 2026 to June 2027 recovery period, the threshold is based on your 2025 net world income.
| Detail | Amount |
|---|---|
| Recovery tax begins at (2025 income) | $93,454 |
| Recovery rate | 15 cents per dollar above threshold |
| Full OAS eliminated at (ages 65-74) | $152,062 |
| Full OAS eliminated at (ages 75+) | $157,923 |
| Recovery spread over | 12 monthly OAS payments |
A large RRIF withdrawal, rental income spike, or capital gain in 2025 can push your net income past the threshold and reduce your OAS for the entire July 2026 to June 2027 period.
Key Dates Every Recipient Should Remember
Several annual milestones directly affect your Service Canada payments throughout the year.
| Date | What Happens |
|---|---|
| January 1 | CPP annual indexation takes effect for the year |
| January, April, July, October | OAS and GIS quarterly CPI adjustments |
| April 30 | Tax filing deadline for maintaining GIS and CDB eligibility |
| July 1 | GIS annual recalculation using previous year’s tax return |
| July 1 | CDB benefit year resets with new indexation and income calculations |
| July 1 | OAS recovery tax period resets based on prior-year income |
Filing your income tax return by April 30 is the single most important action for maintaining uninterrupted benefit payments from both Service Canada and the CRA.
Service Canada administers the largest retirement and disability payment programs in the country, delivering billions of dollars in monthly deposits to Canadians in every province and territory.
CPP recipients received a 2.0% increase in January 2026, OAS recipients are seeing quarterly adjustments of 0.3%, 0.1%, and 1.2% across the first three quarters of 2026, and CDB recipients received their first-ever indexation of 2.1% in July 2026.
Setting up direct deposit through your My Service Canada Account is the fastest way to receive all payments on time without relying on postal delivery.
Bookmark the official Government of Canada benefits calendar and check back when Service Canada publishes any schedule updates.
For a complete list of all CRA-administered benefit payments, including the Canada Child Benefit, Canada Groceries and Essentials Benefit, and provincial credits, see our full 2026 CRA payment dates guide.
Frequently Asked Questions (FAQs)
Can I receive CPP and OAS at the same time as the Canada Disability Benefit?
CPP disability and CDB are separate programs with different eligibility criteria and payment schedules. You can receive CPP disability alongside the CDB if you meet the requirements for both, but the CDB is income-tested and your CPP disability income counts toward the income calculation that determines your CDB amount. CDB eligibility ends the month after you turn 65, at which point you would transition to OAS and potentially GIS instead.
What happens to my GIS if I did not file my tax return?
Service Canada suspends GIS payments if your tax return is not filed by the April 30 deadline because the agency cannot verify your income eligibility for the new July-to-June benefit year. Payments may be retroactively restored once the return is processed, but this can take several months and leave a gap in income during the interim. Your spouse or common-law partner must also file on time for your GIS to continue uninterrupted.
Will the CPP 2027 indexation rate be higher or lower than 2.0%?
The 2027 CPP indexation rate will be determined by the average Consumer Price Index for the 12 months ending October 2026 compared to the same period one year earlier. Service Canada announces the official rate in late 2026 or early January 2027 before the first payment of the year. If inflation moderates through the second half of 2026, the 2027 rate could be lower than the 2.0% applied in 2026, but this depends entirely on future CPI readings.
Does receiving the OAS pension affect my eligibility for provincial disability programs like ODSP?
OAS and GIS are federal programs administered by Service Canada, while provincial programs like ODSP have their own income rules. In Ontario, ODSP eligibility generally ends at age 65 when recipients transition to OAS and GIS, but the transition requires careful planning to avoid income gaps. Provincial rules vary across Canada, so recipients approaching 65 should contact both Service Canada and their provincial agency to coordinate the switch.
How do I check whether my Service Canada payment has been processed?
The My Service Canada Account portal allows you to view payment information for CPP, OAS, GIS, and the Canada Disability Benefit. Payments may take a few days to arrive, and Service Canada advises waiting 5 to 10 business days before contacting the program about a missing payment. For CPP, OAS, or GIS payments, call 1-800-277-9914. For Canada Disability Benefit payments, call 1-833-486-3007. Have your Social Insurance Number ready when calling.
Fact-Checked: All 2026 payment dates, benefit amounts, and indexation rates referenced in this article are verified against the official Government of Canada CPP payment amounts page, the OAS payment amounts page, and the Canada Disability Benefit program page as of July 2026.
Disclaimer: This article provides general information only and does not constitute financial, legal, or tax advice. The 2026 payment dates are published by Service Canada. The 2027 payment dates are projected using the standard Service Canada scheduling pattern and are subject to official confirmation when the 2027 calendar is published. Contact Service Canada or consult a licensed financial or tax professional for advice specific to your circumstances. Benefit eligibility and amounts depend on individual circumstances including contribution history, residency, income, and marital status.
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