CPP Payment Dates: When Is CPP Paid Each Month?

If you receive Canada Pension Plan (CPP) benefits, knowing exactly when your payment arrives each month is essential for budgeting, rent, and bill payments.

This guide explains:

• How CPP payment dates work
• When CPP is paid each month
• The CPP payment schedule for the current year
• What to do if your CPP payment is late

This page is updated periodically to reflect the most current CPP payment schedule available.

Questions about CPP payment timing often come up after retirement, job loss, or changes to income — and may overlap with broader employment or disability-related rights.

When Is CPP Paid Each Month?

CPP payments are issued once per month, on dates set annually by the federal government.

Key points:

• CPP is not paid weekly or biweekly
• Payments are typically issued near the end of each month
• CPP payment dates are the same across Canada
• Direct deposit is the fastest way to receive CPP payments

Exact dates can vary slightly due to banking holidays, but the overall schedule remains consistent year to year.

CPP Payment Schedule (Current Year)

Below is the CPP payment schedule for the current year, as published by the Government of Canada.

How CPP Payment Dates Are Determined

CPP payment dates are set by Service Canada and published annually.

Once established:

• Payment dates do not change month-to-month
• Payments continue automatically unless eligibility changes
• All recipients follow the same national schedule

If you are newly approved for CPP, your first payment may arrive later than expected depending on processing timelines.

CPP Payment Dates by Year

CPP payment dates are published by the federal government on a yearly basis.
If you’re looking for a specific year’s schedule, see the guides below:

• CPP Payment Dates for 2025
• CPP Payment Dates for 2026

What If Your CPP Payment Is Late?

If your CPP payment does not arrive on the expected date:

1. Allow one full business day for bank processing
2. Check your My Service Canada Account
3. Contact Service Canada if the delay continues

Repeated delays or missing payments may indicate an administrative issue, not a change in eligibility.

CPP Retirement vs. CPP Disability (CPPD)

CPP retirement benefits are different from CPP Disability (CPPD) benefits.

Important distinctions:

• CPPD is available to people with a severe and prolonged disability
• CPPD payments follow the same monthly payment schedule
• CPPD benefits typically convert to CPP retirement benefits at age 65

Issues with CPPD payments often involve medical eligibility or reviews, not payment timing.

CPP Payments While Working, Laid Off, or on Disability

CPP payments are not affected by job loss or termination.

However:

• CPP may interact with long-term disability (LTD) benefit
• Some LTD insurers require CPP or CPPD applications
• CPP amounts may be offset against other disability income

Understanding how CPP fits into your overall income picture is especially important if you’re dealing with a disability or insurance claim.

Frequently Asked Questions About CPP Payment Dates

Is CPP paid every month?

Yes. CPP is paid once per month on a government-set schedule.

Are CPP payment dates the same every year?

The structure is consistent, but exact dates can shift slightly year to year due to holidays.

Is CPP paid on weekends?

No. If a payment date falls on a weekend or holiday, payment is typically issued on the preceding business day.

Can CPP payments stop unexpectedly?

Payments can be paused due to eligibility reviews, administrative issues, or incomplete information, but not without reason.

Related Consideration: Job Termination and Age

If you were terminated later in your career, it’s important to understand how age and length of service can affect your legal rights.

In Canada:

• Employers can’t terminate an employee solely because of age
• Age-based terminations may violate human rights legislation
• Older employees are often entitled to more severance pay than younger workers in similar roles

If you were dismissed without cause, your severance entitlement is based on factors such as:

• Age
• Length of service
• Position held
• Availability of comparable work

In many cases, this can amount to many months of compensation, and in some situations, up to 24 months’ pay under common law.