CPP payments are deposited on the same schedule across all of Canada, including Ontario. The federal government issues payments once per month, typically on the third-to-last business day of each month.
Important: If the scheduled date falls on a weekend or holiday, you’ll receive your payment on the last business day before that date.
CPP Payment Dates 2026 Ontario
Here are the CPP payment dates for 2026:
- January 29, 2026
- February 25, 2026
- March 27, 2026
- April 28, 2026
- May 27, 2026
- June 26, 2026
- July 29, 2026
- August 27, 2026
- September 28, 2026
- October 28, 2026
- November 26, 2026
- December 22, 2026 (earlier due to holidays)
How You'll Receive Your Payment
Most Canadians receive CPP through direct deposit into their bank account. This is the fastest and most secure method.
If you haven’t set up direct deposit yet, you can do so by:
- Logging into your My Service Canada Account online
- Calling Service Canada at 1-800-277-9914
- Visiting a Service Canada office
Paper cheques are still available but take longer to arrive and can be lost or stolen.
What If You Don't Receive Your Payment?
If your CPP payment doesn’t arrive on the scheduled date:
- Wait three business days – occasional delays can happen
- Check your bank account – ensure your direct deposit information is current
- Contact Service Canada at 1-800-277-9914 if the payment still hasn’t arrived
- Have your Social Insurance Number ready when calling
CPP and Employment in Ontario
Many Ontario residents wonder if they can work while receiving CPP. The answer is yes. You can continue working and receiving CPP benefits at the same time.
Things to know:
- You’ll continue paying CPP contributions if you’re under 65 and working
- If you’re between 60-65 and working, these contributions increase your future benefits (called Post-Retirement Benefit)
- After age 65, you can choose whether to continue contributing
Changes to Your CPP Amount
Your CPP payment amount may change due to:
- Annual cost-of-living adjustments (usually in January)
- Tax withholding changes
- Deductions for overpayments from previous years
- Starting or stopping a survivor’s pension
Service Canada will notify you of any changes to your payment amount.
Planning Around Your CPP Payment
Best practices:
- Set up automatic bill payments after your CPP deposit date
- Keep a buffer in your account for early-month expenses
- Review your payment amount annually
- Update your banking information if you change banks
Additional Support for Ontario Seniors
Beyond CPP, Ontario residents may qualify for:
- Old Age Security (OAS) – separate from CPP, also paid monthly
- Guaranteed Income Supplement (GIS) – for low-income seniors
- Ontario Guaranteed Annual Income System (GAINS) – provincial support
- Ontario Senior Homeowners’ Property Tax Grant – property tax help
Each program has its own payment schedule and eligibility requirements.
If you’re facing employment-related issues that affect your CPP contributions, such as wrongful dismissal or unpaid wages, an employment lawyer can help ensure your rights are protected and your employment record is accurate for CPP purposes.
Contact Service Canada for CPP-specific questions:
- Phone: 1-800-277-9914 (TTY: 1-800-255-4786)
- Online: canada.ca/en/services/benefits/publicpensions/cpp
