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With rising rent, food costs, and energy bills, many Canadians are feeling the strain of a higher cost of living. To help alleviate some of this financial burden, the Canada Revenue Agency (CRA) will distribute a one-time, tax-free payment of $928 in 2025.
This payment is designed to assist low- and modest-income households, with no application necessary—eligible individuals will receive it automatically. Let’s break down the key details, eligibility criteria, and how to make sure you receive your payment.
Government Aid to Mitigate Rising Living Costs
The $928 CRA payment is part of the federal government’s larger effort to provide financial relief amidst inflation and escalating costs.
The CRA will deliver this benefit to eligible Canadians based on their 2024 tax filings, ensuring a seamless process—no need for manual forms or applications.
Key Details of the Payment
| Details | Information |
|---|---|
| Payment Amount | $928 (one-time) |
| Eligibility | Based on 2024 income, family size, residency |
| Application Needed | No – Automatically via 2024 tax return |
| Administered By | Canada Revenue Agency (CRA) |
| Purpose | Financial support for low- and modest-income households |
Who Qualifies for the $928 CRA Payment?
The CRA considers several key factors when determining eligibility for the payment:
1. Income Level Based on 2024 Taxes
The most important factor is your 2024 income. Generally, individuals earning under $25,000 are likely to qualify.
Families may have higher income thresholds, with a family of four potentially qualifying if their household income is under $60,000. As your income increases, the likelihood of qualifying decreases.
2. Family Size and Structure
Larger families, which tend to have more expenses, are provided more income flexibility. Single parents or couples with children may qualify at higher income levels compared to individuals without dependents.
3. Tax Filing Status
To be eligible, you must file a 2024 tax return. Even if you have no taxable income, submitting your return is the only way the CRA can assess your eligibility.
4. Residency Requirement
You must be a resident of Canada to qualify for this benefit, which includes:
- Canadian citizens
- Permanent residents
- Protected persons
Unfortunately, temporary residents are not eligible for this payment.
5. Accurate Tax Filing
Ensure that your tax return is accurate, including information on:
- Income
- Marital status
- Dependents
Mistakes in your filing can lead to delays or ineligibility for the payment.
How to Receive the $928 CRA Payment
No application is necessary, but here are the steps to ensure you receive the payment:
1. File Your Taxes on Time
The deadline to file your 2024 tax return is June 30, 2025. Filing earlier will give the CRA more time to process your return and determine your eligibility.
2. Review and Update Your Details
If there were any changes in your family situation in 2024 (like marital status or children), ensure that your tax return reflects this accurately. Any discrepancies may delay or reduce your benefit.
3. Set Up Direct Deposit
For quicker payment, set up direct deposit through your CRA My Account. This ensures you won’t have to wait for a mailed cheque.
4. Check CRA Notices
Watch for updates in your CRA My Account inbox or your physical mail. The CRA will notify eligible individuals about the payment and provide the expected deposit or mailing date.
5. Keep Your Tax Records Handy
In case of disputes or inquiries, having a copy of your tax return and filing confirmation is essential.
Missed the $928 Payment? Other CRA Benefits You Could Explore
Even if you don’t qualify for the $928 payment, there are other financial support programs available:
1. Canada Child Benefit (CCB)
Monthly, tax-free payments for families with children under 18. The amount is based on income and the number of children.
2. GST/HST Credit
Quarterly payments to assist with sales tax costs, especially for low-income individuals and families.
3. Canada Workers Benefit (CWB)
A refundable tax credit aimed at low-income workers, designed to encourage employment and provide additional financial support.
4. Provincial Support Programs
Many provinces offer their own benefits, such as:
- Ontario Trillium Benefit (helps with rent, energy, and property taxes)
- BC Climate Action Tax Credit
- Alberta Affordability Payments
Visit your provincial government’s website to find region-specific benefits.
The $928 CRA payment is a timely relief for Canadians facing rising living costs. By ensuring you meet the eligibility criteria and filing your taxes accurately, you can receive this one-time, tax-free benefit without the hassle of an application.
Additionally, don’t forget to explore other available support programs, like the Canada Child Benefit or GST/HST Credit, if you didn’t qualify for this payment.
FAQs
Who is eligible for the $928 CRA payment?
Eligible individuals are those with a 2024 income below certain thresholds, depending on family size and filing status.
How can I ensure I receive the payment?
You can receive the payment automatically if you file your 2024 tax return on time and ensure your CRA account has accurate information.
What should I do if I didn’t qualify for the payment?
Check other financial support programs available from the CRA, such as the Canada Child Benefit or GST/HST Credit, to see if you qualify for other forms of assistance.