The Canadian government is delivering much-needed financial support to a variety of individuals this summer, including families, seniors, workers, and persons with disabilities.
This article will help you navigate the June and July 2025 benefit cheques, explaining when payments will arrive, how much you may be eligible for, and how to ensure timely access to your benefits.
Whether you’re a parent, senior, student, or a low-income worker, this guide provides everything you need to know about receiving financial assistance.
Key Government Benefits in Canada
Several vital benefits are available to Canadians, administered through Canada Revenue Agency (CRA) and Service Canada. These include:
- Canada Child Benefit (CCB)
- Old Age Security (OAS)
- Canada Pension Plan (CPP)
- GST/HST Credit
- Advanced Canada Workers Benefit (ACWB)
- Canada Disability Benefit (CDB), which launches in July 2025 for the first time.
Additionally, provincial governments, like Ontario, Alberta, and British Columbia, offer supplemental payments.
2025 June & July Benefit Payment Schedule
The following chart outlines the upcoming benefit payments and relevant details:
| Benefit | June 2025 Pay Date | July 2025 Pay Date | 2025 Max Annual Amount | What You Should Do |
|---|---|---|---|---|
| Canada Child Benefit (CCB) | June 20 | July 18 | $7,997 (under 6); $6,748 (ages 6-17) | File tax return; confirm direct deposit |
| Canada Pension Plan (CPP) & Old Age Security (OAS) | June 26 | July 29 | CPP varies by contribution; OAS up to $734/month | Apply or defer via Service Canada |
| GST/HST Credit | — | July 4 (quarterly) | $533 individual; $698 for couples; +$184 per child | File 2024 return |
| Ontario Trillium Benefit (OTB) | June 10 | July 10 | Depends on rent/energy/taxes paid | Submit ON-BEN form with taxes |
| Advanced Canada Workers Benefit (ACWB) | — | July 11 | $1,590 (single); $2,739 (family); +$821 (disability) | Claim on 2024 return |
| Canada Disability Benefit (CDB) | Application opens June 20 | Payments begin in July | Up to $2,400/year | Apply early with DTC, SIN, and proof of income |
Important Tips for Maximizing Your Benefits
To make sure you receive your benefits on time and in full, consider these tips:
- File your 2024 taxes early: Even if you had no income, filing your taxes ensures eligibility for several benefits.
- Update your marital status and dependent information: Keep your details current with CRA to avoid delays.
- Enable direct deposit: Register through CRA or Service Canada to avoid waiting for paper cheques.
- Stay informed: Watch for letters regarding the Canada Disability Benefit (CDB) and keep your CRA information updated.
Breakdown of Key Benefits
Canada Child Benefit (CCB)
The Canada Child Benefit (CCB) is a tax-free monthly payment that supports families with children under 18 years old. The amount you receive depends on your household income:
- $7,997 per year for each child under age 6 (~$666/month)
- $6,748 per year for each child aged 6–17 (~$562/month)
Payments are recalculated in July, based on your 2024 tax return. To ensure you receive the benefit:
- File your 2024 tax return.
- Use CRA My Account or Form RC66 if you’re applying for the first time.
- Register newborns with your province’s vital statistics office, which is linked to CRA in most areas.
CPP & OAS: What Retirees Need to Know
Both CPP and OAS provide monthly benefits for retirees.
- OAS: Available to those 65 or older, with a maximum monthly amount of $734 (ages 65–74) or $784.67 (75+).
- CPP: The amount varies based on your contributions, but the average amount for new retirees at age 65 is approximately $758/month.
If you prefer a higher monthly amount, you can defer CPP and OAS payments, which can increase your income by up to 42% for CPP and 36% for OAS.
GST/HST Credit
The GST/HST Credit is designed to offset the cost of sales taxes for low- and modest-income Canadians.
- Next payment: July 4, 2025
- 2025 credit amounts:
- $533 for individuals
- $698 for couples
- +$184 per child under 19
This credit is automatically paid once you file your taxes; no separate application is needed.
Provincial Benefits: Ontario Trillium and More
The Ontario Trillium Benefit (OTB) combines energy, property tax, and sales tax credits.
- 2025 pay dates: June 10 and July 10
- To receive the OTB, file your taxes and submit the ON-BEN form.
Other provinces like Alberta and BC also offer similar supplemental benefits, such as the BC Climate Action Tax Credit.
Canada Disability Benefit (CDB)
The Canada Disability Benefit (CDB) is a new federal payment designed to support working-age Canadians (18–64) with disabilities.
- Up to $200/month or $2,400/year.
- Applications for the first round are due by June 30, 2025.
To apply, you must have an approved Disability Tax Credit (DTC) and provide proof of income. Service Canada will send letters with application details.
Tax and Filing Tips to Maximize Your Benefits
- File taxes even if you had no income: Many benefits are calculated based on your tax return.
- If your income decreased in 2024, file early to secure higher benefits.
- Check your address and marital status with CRA to avoid delays.
- Use NETFILE-certified software or visit a Free Tax Clinic to file your return.
Real-Life Example: Budgeting with Benefits
Tara, a 38-year-old single mother in Ontario with two children, earns $32,000/year. By filing early and receiving her eligible benefits, Tara will receive:
- CCB: ~$1,200/month
- GST/HST: ~$133/quarter
- ACWB: ~$265/quarter
- Ontario Trillium: ~$90/month
- CDB (if eligible): $200/month
Tara’s total benefits for the summer amount to $1,700/month, assisting with childcare, housing, and groceries.
Canada’s June and July 2025 benefit payments are set to provide essential financial relief to various groups. By staying organized and filing your taxes on time, you can ensure you receive the full benefits available to you.
FAQs
When can I expect my Canada Child Benefit (CCB) payment?
CCB payments are issued on June 20 and July 18, based on your 2024 tax return.
How do I qualify for the Canada Disability Benefit (CDB)?
To qualify, you must have an approved Disability Tax Credit (DTC) and submit an application through Service Canada.
How can I receive the Advanced Canada Workers Benefit (ACWB)?
The ACWB is available for eligible low-income workers who file a 2024 return. The next payment will be on July 11, 2025.