$2,928 CPP Payment + $825 Bonus in April 2025 – Find Out If You Qualify
As discussions swirl around the rumored $2,928 CPP payment and an $825 bonus in April 2025, many Canadians are left wondering: Is it real, or is it just online buzz? The short answer? No, there is no confirmed one-time payment or bonus from the Government of Canada in those exact amounts. However, when you combine the Canada Pension Plan (CPP) with Old Age Security (OAS) and the Guaranteed Income Supplement (GIS), the total monthly support for eligible seniors can add up to similar figures—especially for low-income retirees.
Let’s break down how these federal retirement programs work in 2025, who qualifies, and how much you could actually receive.
What Is the “$2,928 CPP Payment” in April 2025?
There’s no single monthly or lump-sum CPP payment of $2,928 in April 2025. Instead, this number likely represents the combined total of all eligible monthly benefits for some retirees who qualify for maximum CPP, OAS, and GIS.
Potential Combined Monthly Benefit (April 2025)
| Program | Maximum Monthly Payment |
|---|---|
| CPP (at age 65) | $1,433.00 |
| OAS (age 75+) | $800.44 |
| GIS (single, low income) | $1,086.88 |
| Total | $3,320.32 |
If you’re receiving maximum CPP and OAS but not GIS, the monthly support may be closer to $2,233.44. The $2,928 figure may apply to someone receiving full CPP and partial GIS.
What About the $825 Bonus?
There is no officially confirmed $825 bonus payment in April 2025. However, Canadians often receive one-time payments or climate action rebates around tax season. If such a payment occurs, it would be announced in a federal budget or press release—always verify on the official Government of Canada website.
Canada Pension Plan (CPP) 2025: Key Details
CPP is a contributory retirement pension funded by payroll deductions throughout your working life. It’s available to Canadians who have made contributions and are aged 60 or older.
CPP Monthly Payments in 2025
| Category | Amount |
|---|---|
| Maximum monthly (age 65) | $1,433.00 |
| Average new recipient (age 65) | $899.67 |
You can start receiving CPP as early as 60 (with reduced payments) or delay up to 70 (for increased monthly amounts).
Contribution Rates and Limits (2025)
- Employee/Employer Rate: 5.95% each
- Self-Employed Rate: 11.90%
- YMPE (Max Pensionable Earnings): $71,300
- YAMPE (Additional Earnings Tier): $81,200
Example: If you earn $80,000 in 2025:
- You contribute 5.95% on the first $71,300
- You contribute 4% on the next $8,700 (additional CPP contributions)
Old Age Security (OAS): What You Need to Know
Funded by general tax revenue, OAS is a monthly payment for Canadians aged 65 or older who meet residency requirements.
OAS Monthly Payment (April–June 2025)
| Age Group | Max Monthly Payment |
|---|---|
| 65 to 74 | $727.67 |
| 75 and older | $800.44 |
OAS Eligibility
- Age: 65+
- Residency: Must have lived in Canada for at least 10 years since age 18
- No CPP contributions required
OAS Recovery Tax (Clawback)
If your income exceeds $86,912 (2023 threshold), you’ll begin repaying part of your OAS.
Example:
Income: $96,000
Clawback: 15% of $9,088 = $1,363.20 repaid
Guaranteed Income Supplement (GIS)
GIS provides additional support to low-income OAS recipients, especially those without substantial retirement savings or workplace pensions.
GIS Monthly Payment (April–June 2025)
| Status | Max Monthly Payment |
|---|---|
| Single, widowed, divorced | $1,086.88 |
| With spouse receiving full OAS | $654.23 |
GIS Eligibility
- Must be receiving OAS
- Annual income below $22,056 (single)
- File taxes every year to stay eligible
GIS is not taxable and provides major relief for low-income seniors.
How to Apply for CPP, OAS, and GIS
Step-by-Step Application Process
- Check Eligibility for each benefit (CPP requires contributions; OAS/GIS based on age and residency)
- Gather Documents: SIN, birth certificate, banking details
- Apply Online:
- Or Apply by Mail:
- Download forms from the Government of Canada website
- Download forms from the Government of Canada website
- Apply Early:
- Start the process 6 months before you want to begin receiving benefits
Real-Life Scenario: What One Retiree Might Receive
Margaret, 76, lives alone and has a modest income:
- CPP: $1,100/month (based on past earnings)
- OAS: $800.44/month
- GIS: $1,050/month
Total Monthly Income: $2,950+
This explains how the $2,928 figure might reflect real, combined monthly retirement support rather than a one-time bonus.
