Canada’s June & July 2025 Benefit Cheques Are Coming

Canada’s June and July 2025 benefit cheques are officially on the way, delivering critical financial support to families, seniors, workers, and persons with disabilities. In this comprehensive guide, we’ll explain when payments are coming, how much you could receive, how to apply fast, and how to stay eligible. Whether you’re a parent, senior, student, or low-income worker, this article will help you access every dollar available to you this summer.

The Canadian government delivers a variety of monthly and quarterly benefits via the Canada Revenue Agency (CRA) and Service Canada. These include the Canada Child Benefit (CCB), Old Age Security (OAS), Canada Pension Plan (CPP), GST/HST Credit, Advanced Canada Workers Benefit (ACWB), and the Canada Disability Benefit (CDB)—which launches for the first time in July 2025. If you live in a province like Ontario, Alberta, or British Columbia, there are also provincial top-ups to consider.

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	Up to $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

Canada’s June and July 2025 benefit payments will bring welcome financial relief to families, retirees, and individuals facing cost-of-living challenges. Whether you’re receiving monthly cheques like the Canada Child Benefit or quarterly credits like the GST/HST refund, understanding your eligibility and applying early can make all the difference.

Take action now: File your taxes, confirm your direct deposit, watch for CDB letters, and keep your CRA details updated. That way, you won’t just wait for benefits—you’ll receive them on time and in full.

Understanding the June & July 2025 Benefit Schedule

These summer months bring key benefit deposits, often aligned with new fiscal calculations based on 2024 tax returns. To ensure you’re included:

File your 2024 taxes as early as possible (even if you had no income).
Update your marital status and dependent info with CRA.
Enable direct deposit through CRA or Service Canada portals.

Delays often happen when someone misses a tax filing deadline or forgets to update their banking details. Avoid paper cheques where possible—they can take up to 10 business days to arrive.

Canada Child Benefit (CCB)

The Canada Child Benefit is a tax-free monthly payment to help families with the cost of raising children under 18.

Amounts for 2025:

$7,997 per year per child under age 6 (approx. $666/month)
$6,748 per year per child aged 6–17 (approx. $562/month)

Payments are recalculated every July based on your household income from the previous year. So, your July 18 payment will reflect your 2024 tax return.

To receive or update your CCB:

File your 2024 return.
Use CRA My Account or Form RC66 if you’re applying for the first time.
Register newborns at birth with provincial vital statistics (linked to CRA in most provinces).

CPP & OAS: What Retirees Should Know

CPP is a contributory pension that varies depending on how much and how long you contributed. You can apply from age 60 to 70. OAS is a non-contributory federal pension starting at 65, based on how long you’ve lived in Canada.

June & July 2025 pay dates: June 26 and July 29

OAS maximums (as of July 2025):

Ages 65–74: $714.21/month
Ages 75+: $784.67/month

CPP average (2024 data):

Average monthly amount for new retirees at 65: ~$758/month
Maximum possible: $1,364/month

You can defer CPP/OAS to boost your monthly income by up to 42% (CPP) or 36% (OAS). Use the Service Canada estimator to plan your retirement income strategy.

GST/HST Credit

The GST/HST credit is paid quarterly to help offset sales tax costs for low- and modest-income Canadians.

Next payment: July 4, 2025

2025 amounts:

$533 single individuals
$698 married/common-law couples
Additional $184 per child under 19

The credit is automatic once you file your tax return. You don’t need to apply separately.

Ontario Trillium Benefit & Provincial Equivalents

Ontario Trillium Benefit (OTB)

This combines three credits: energy, property tax, and sales tax.

2025 pay dates: June 10 and July 10

To get OTB:

File your return.
Complete and submit the ON-BEN application form (included in Ontario returns).

Alberta Child and Family Benefit (ACFB)

Provides quarterly payments to eligible low-income families. Amount depends on income and number of children.

BC Climate Action Tax Credit

B.C. residents receive quarterly climate rebates: $174 per adult and $51 per child (2024 rates, adjusted in 2025).

Each province offers its own supplemental benefits. Check your province’s finance website or speak with a tax professional.

Advanced Canada Workers Benefit (ACWB)

The ACWB provides low-income workers with up to $1,590 for individuals or $2,739 for families, plus a disability supplement.

Next payment: July 11, 2025

To qualify, you must:

Be employed or self-employed.
File a 2024 return.
Have working income within defined thresholds.

If your income is too high or too low, the benefit is reduced or phased out.

Canada Disability Benefit (CDB)

The Canada Disability Benefit is a new federal payment to help working-age Canadians (18–64) with disabilities. The first round begins July 2025, provided applications are received and approved by June 30, 2025.

Amount: Up to $200/month or $2,400/year

To apply:

Wait for a Service Canada letter with your code (June 2025).
Or apply online using your SIN, 2024 Notice of Assessment, and bank info.
Must have an approved Disability Tax Credit (DTC).

Tax & Filing Tips to Maximize Your Benefits

Always file taxes—even with zero income. Many benefits are calculated from your return.
If your income decreased in 2024, file early to get higher benefit amounts in July.
Ensure your address, dependents, and marital status are up to date with CRA.
Use NETFILE-certified software (TurboTax, Wealthsimple Tax, etc.) or visit a Free Tax Clinic.
Avoid common mistakes like entering the wrong net income (line 23600) or omitting rental credits.

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Real-Life Budgeting Example

Consider Tara, a 38-year-old single mother in Ontario with two kids aged 3 and 9. She earns $32,000/year and files early. Based on her income:

CCB: ~$1,200/month
GST/HST: ~$133/quarter
ACWB: ~$265/quarter
Ontario Trillium: ~$90/month
CDB (if eligible): $200/month

Tara receives nearly $1,700 per month in benefits, helping cover childcare, housing, and groceries during summer.

FAQs

Q1: What if I missed filing my 2024 taxes?
File as soon as possible. Many benefits like CCB, ACWB, and GST/HST are recalculated in July based on your most recent return. Late filing means delayed or missed payments.

Q2: Do I have to apply for GST/HST or ACWB every year?
No. If you qualify based on your return, the CRA automatically calculates and sends your payment. Just make sure you file annually.

Q3: I moved provinces. Will I still get benefits?
Yes, but update your address with CRA. Provincial benefits like OTB or ACFB are only available if you file the provincial forms associated with your new home.

Q4: What if my direct deposit is outdated?
Update your bank info in CRA My Account or call CRA directly. If you receive a paper cheque and move, notify Canada Post and CRA.

Q5: Can I appeal a benefit denial?
Yes. You can submit a formal request for reconsideration within 90 days of receiving the decision.