$3716 / Month Payment For Retirees By CRA in April 2025, Know Eligibility

Recent discussions across Canada have sparked curiosity among retirees regarding a $3716 monthly payment reportedly provided by the Canada Revenue Agency (CRA). This number has raised eyebrows — is it a single benefit, a bundled amount, or simply a misunderstanding?

Let’s break down the facts to understand what this figure means, who it might apply to, and whether Canadian seniors should expect this payment in April 2025.

Is the $3716 Monthly Payment Real?

The $3716 amount isn’t a standard or official monthly payment from CRA. Instead, this number appears to be a theoretical combination of various federal benefits, including:

• Old Age Security (OAS):

  • $727.67 (ages 65–74)

  • $800.44 (ages 75+)

• Canada Pension Plan (CPP):

  • Up to $1,433/month

• Guaranteed Income Supplement (GIS):

  • Between $654.23 and $1,086.88 based on marital status and income

When some of these are combined — including deferred CPP and OAS payments — the total can approach or even exceed $3,700/month. But this would only apply under specific circumstances, like delaying benefits until age 70, and qualifying for all three programs at the highest level.

Who Can Qualify for These Retirement Benefits?

To receive this theoretical combined amount, retirees would need to qualify for CPP, OAS, and GIS at their respective maximum levels.

Old Age Security (OAS):

• Must be 65 or older

• Have at least 10 years of Canadian residency after age 18

• Income under:

  • $142,609/year (ages 65–74)

  • $148,179/year (age 75+)

Guaranteed Income Supplement (GIS):

• Must receive or qualify for OAS

• Must be 65 or older

• Meet the income threshold, such as:

  • Single: Less than $22,056/year

  • Married (spouse also receives OAS): Under $29,136

  • Other categories apply (Allowance, non-OAS spouse, etc.)

Canada Pension Plan (CPP):

• Must be 60+ years old

• Have made valid contributions during your working life

• CPP amount varies based on how long and how much you contributed

Payment Schedule for CPP, OAS, GIS in 2025

The CRA and Service Canada issue monthly payments following a fixed schedule. Here’s when retirees can expect their April payment:

Additional months follow a similar end-of-month pattern.

Fact Check: Will Every Retiree Receive $3716?

No, not every senior will receive $3716/month. The amount depends on:

• Whether they delayed retirement past 65

• How long they lived and worked in Canada

• Their income, marital status, and eligibility for GIS

• Contribution levels to CPP

Most retirees will receive only a portion of this amount. On average, CPP payments are around $787/month, and many seniors do not qualify for full GIS.

So while some high-benefit individuals may approach or exceed $3,700/month through combined payments, this isn’t the norm and shouldn’t be expected as a guaranteed amount.

FAQs

Is the $3716 monthly CRA payment guaranteed for every retiree?

No, this is a hypothetical amount based on maximum benefits. Most seniors will receive less based on individual eligibility.

How can I qualify for all three benefits – CPP, OAS, and GIS?

You must be at least 65, meet residency and income requirements, and have contributed to CPP during your working years.

What’s the next retirement payment date in Canada?

The next CRA retirement benefit payout — including CPP, OAS, and GIS — is scheduled for April 28, 2025.

Can I delay CPP and OAS to get more money?

Yes, delaying CPP beyond age 65 increases your monthly benefit by 0.7% per month, up to age 70. Similarly, OAS increases after age 65.

Where can I check my benefit status?

Log into your CRA My Account or visit www.canada.ca for official updates.

What if I don’t qualify for GIS?

Even without GIS, you can receive CPP and OAS based on your work and residency history. You may also qualify for other provincial or federal credits.

Click here to know more.