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If you depend on monthly government payments like the Canada Pension Plan, the new year brings some welcome news: benefit amounts just went up, and your CPP payment for January is right around the corner.Starting this month, CPP payments are 2% higher across the board, thanks to an annual adjustment tied to changes in the consumer price index. That means your first payment of 2026 will reflect the new, slightly higher rate.This increase applies to all types of Canada Pension Plan benefits — retirement pensions, disability support, survivor payments and children's benefits included. Service Canada automatically applies these cost-of-living adjustments every January, so there's nothing you need to do to get the higher amount.And if you're also receiving Old Age Security, that benefit is increasing as well, giving you a boost from two sources this month.READ ALSO: Canada is increasing a bunch of benefits soon — Here's how much more you can get in 2026Here's everything you need to know about your January Canada Pension Plan payment — including the increased CPP payment amounts, who can get them and exactly when your deposit will arrive.How does the Canada Pension Plan work?The Canada Pension Plan is a federal program that provides monthly income to people who've contributed throughout their working years. If you've ever earned a paycheque in Canada (outside of Quebec), you've likely paid into CPP through automatic deductions.Those contributions add up over your working life and turn into a stream of payments when you retire or become eligible for other benefits. You can claim CPP as early as 60, though starting before 65 reduces what you'll get each month. The full benefit kicks in at 65, and if you hold off longer, your monthly payment grows — but only until you hit 70.Once you begin collecting, your payment is guaranteed for life and won't decrease. Each January, Service Canada adjusts CPP for inflation, so you'll see small increases like the one that just took effect this month.More about the CPPWho is eligible for the Canada Pension Plan?You can receive CPP retirement benefits if you're at least 60 years old and you've made at least one contribution to the plan. Most people who've worked in Canada meet this requirement without even thinking about it.In addition, if you've gone through a divorce or separation, you and your former partner can divide what you've each contributed during your time together, which could boost your monthly benefit, or even help you qualify if you didn't contribute on your own.You also don't have to stop working to collect the pension — you can earn employment income while receiving CPP between ages 60 and 70. Keep contributing during that time, and you could qualify for the post-retirement benefit, which adds a little more to your monthly total.More about CPP eligibilityCPP disability and survivor benefitsBeyond retirement payments, the Canada Pension Plan offers several other benefit types that are paid out in the same deposit.Post-Retirement Benefit: If you're working and already collecting CPP between the ages of 60 and 70, you can earn an extra monthly payment. This benefit reflects the additional CPP contributions you're making while employed.CPP Disability Benefit: This provides income to people under 65 with a severe, long-term disability that prevents any type of regular work. You'll need to show sufficient CPP contributions and provide medical documentation proving you can't work.Post-Retirement Disability Benefit: Designed for those who become disabled between 60 and 65 after they've already started receiving their CPP retirement pension. It fills the gap when you no longer qualify for the regular disability option.CPP Survivor's Pension: When someone who contributed to CPP dies, their spouse or common-law partner may be entitled to survivor payments. The monthly amount depends on the deceased person's contribution history and the survivor's age.CPP Children's Benefits: Monthly payments…

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The president needs to calm down.

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