Sherry
As discussions around a potential Canada Post strike gain momentum, many Canadians, particularly seniors, are growing concerned about how this might affect their monthly income.
For those relying on government programs like the Canada Pension Plan (CPP), Old Age Security (OAS), or the Guaranteed Income Supplement (GIS), the fear of missing out on these essential payments can cause significant anxiety.
However, there is good news — you can take a few simple steps today to safeguard your retirement income and avoid any disruptions.
Why Mail Delays Matter
While an increasing number of Canadians now receive their government benefits through direct deposit, there is still a significant portion of the population, especially older, rural, or less tech-savvy individuals, who continue to receive paper cheques in the mail. If postal workers decide to strike, it could result in indefinite delays for these payments.
Although previous strikes have led to contingency plans aimed at prioritizing the delivery of government cheques, delays are still a possibility.
In some cases, local distribution points may change, or individuals may need to pick up their cheques in person, which can be particularly challenging for those with mobility issues.
Protecting Your Income: Simple Steps to Take
1. Sign Up for Direct Deposit Now
The Government of Canada offers direct deposit for all benefits. To ensure uninterrupted payments, register for this service as soon as possible:
- Online: Visit your My Service Canada Account (MSCA).
- By Phone: Call 1-800-277-9914 to sign up.
- At Your Bank: Most Canadian financial institutions can help you set this up either online or in person.
2. Verify Your Information
Even if you are already enrolled in direct deposit, it’s important to double-check your personal details to ensure your payments are sent to the right place:
- Banking information
- Mailing address
- Contact details in your MSCA
3. Stay Alert for Notices from the CRA or Service Canada
At times, important requests such as proof of income for GIS or other program documents are sent by mail. Any delay in responding to these requests due to a postal strike could disrupt your payments. Keep an eye on your online accounts for such notifications.
Risks of Waiting Until a Full-Scale Strike
As of June 10, 2025, Canada Post workers have only enacted a ban on overtime, with talks ongoing between the Canadian Union of Postal Workers (CUPW) and the Crown corporation. However, if negotiations fail, there could be further disruptions, including a complete halt in mail delivery.
For retirees, this could mean more than just delayed cheques — it could:
- Delay prescription drug coverage or rent payments.
- Interrupt GIS payments if required documents are not received by the CRA.
- Cause financial hardship for seniors on fixed incomes.
Going Digital: A Long-Term Solution
One way to reduce the impact of a postal strike is to embrace digital alternatives. This means receiving both correspondence and funds through digital channels such as email or secure online platforms.
Making the shift to digital provides long-term benefits beyond just dealing with the strike:
- Quicker access to your money.
- Reduced risk of lost or stolen cheques.
- Easier access to notices and updates from government programs.
For those who may not be comfortable with online tools, community centers, libraries, and many banks now offer assistance with digital banking and government services.
How Caregivers Can Help
If you’re helping an aging parent or relative, it’s essential to take action now. Here’s what you can do:
- Ask if they still receive paper cheques.
- Help them set up direct deposit or access online accounts.
- Monitor their accounts during the strike period for any irregularities in payments.
A Canada Post strike could potentially delay essential income for many seniors, but with the right steps, it doesn’t have to disrupt your financial stability.
By switching to direct deposit, verifying your information, and staying informed, you can ensure your payments arrive on time.
The sooner you act, the better you’ll be protected — not only during the strike but also for the future.
FAQs
How can I sign up for direct deposit for government payments?
You can register for direct deposit online via the My Service Canada Account (MSCA), by calling 1-800-277-9914, or through your bank.
What happens if I miss a payment due to a postal strike?
If you miss a payment, you may experience delays in your prescription coverage or GIS payments. It’s crucial to switch to direct deposit to avoid disruptions.
Can I get help setting up digital banking?
Yes, many community centers, libraries, and banks provide assistance for individuals unfamiliar with online banking and government services.