If you’re receiving CPP payments or planning your retirement in Canada, 2025 brings some important updates you need to know. From benefit increases and payment dates to survivor benefits and funeral coverage, this detailed guide answers your most pressing questions using current information from Service Canada and the Canada Pension Plan (CPP).
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CPP Payments Increase 2025
The Canada Pension Plan (CPP) continues to be indexed to inflation. As of January 2025, CPP payments increased by 4.4% based on the average CPI (Consumer Price Index) for 2024. This helps retirees and other recipients keep up with rising living costs.
How Much is CPP Pay Per Month in 2025?
Here are the estimated monthly CPP benefits in 2025:
- Maximum retirement pension at age 65: $1,433.00
- Average monthly amount for new beneficiaries (2025): Around $844.53
- Post-retirement benefit (PRB): Variable based on continued contributions
- CPP Disability: Up to $1,673.24
- Survivor benefit (under age 65): Up to $770.88
- Survivor benefit (65+): Up to $859.80
- Children of disabled/deceased contributors: $301.77
- Death benefit: Fixed one-time payment of $2,500
CPP Payment Schedule 2025
CPP payments are deposited monthly on the following dates:
- January 29, 2025
- February 26, 2025
- March 27, 2025
- April 28, 2025
- May 28, 2025
- June 26, 2025
- July 29, 2025
- August 27, 2025
- September 25, 2025
- October 29, 2025
- November 26, 2025
- December 22, 2025
CPP After Death: What Happens?
- Do I get my husband’s CPP if he dies?
Yes, you may qualify for the CPP survivor’s pension. The amount depends on your age, your own CPP contributions, and your deceased spouse’s contributions. You may also receive the $2,500 CPP death benefit as a one-time payment. - Does everyone get the $2,500 death benefit?
No. This amount is only available if the deceased made enough CPP contributions. You must apply for it — it’s not automatic. - How much does CPP pay for a funeral?
The death benefit of $2,500 can help with funeral costs, but CPP itself doesn’t cover funeral expenses directly. - When a husband dies, what is the wife entitled to in Canada?
Beyond CPP survivor benefits, a spouse may also be entitled to OAS survivor allowance (if under 65), life insurance, or other pension entitlements depending on the deceased’s financial arrangements. - Can I collect my ex-husband’s CPP?
You may be eligible for CPP credit splitting if you were legally married or in a common-law relationship for at least one year. This could increase your own retirement benefits.
General CPP Payment Questions
- Do I get CPP if I never worked?
No. CPP is based on employment and contribution history. If you’ve never worked in Canada or never contributed to the CPP, you won’t receive CPP benefits. - Is it better to collect CPP at 60 or 65?
It depends on your situation:- At 60: Your payments are reduced by 0.6% for each month before age 65 (up to 36% less).
- At 65: You receive the full benefit.
- After 65: Payments increase by 0.7% per month you delay, up to age 70 (maximum 42% more).
- How much is the average CPP check?
As of 2025, the average CPP retirement pension for new recipients is around $844.53 per month, though this can be higher or lower based on your contributions.
Summary: What You Need to Know About CPP Payments in 2025
- CPP payments increased by 4.4% in 2025 to reflect inflation.
- Maximum CPP at 65 is $1,433/month.
- Death benefit is $2,500.
- Payment dates are monthly, with July’s deposit on the 29th.
- Survivor and disability benefits also apply under specific conditions.
- You must contribute to CPP to qualify — no work means no CPP.
Stay updated on your CPP payments through your My Service Canada Account and consult a financial planner if you’re unsure about when to apply or how to maximize your benefit.