July 2025 is shaping up to be a significant month for Canadian residents, with new and updated government payments rolling out. Whether you’re already receiving benefits or are newly eligible, July brings a variety of opportunities for financial relief.
These benefits are based on the new 2025 benefit year, and inflation adjustments are impacting the amounts you can receive. Here’s a breakdown of the eight major government benefits, eligibility criteria, and when you can expect your payments.
GST/HST Credit: Quarterly Relief for Low and Modest-Income Canadians
The GST/HST Credit is a quarterly payment designed to help lower- and moderate-income Canadians cope with the rising costs of goods and services.
This tax-free payment is issued by the Canada Revenue Agency (CRA) and aims to offset the goods and services tax (GST) or harmonized sales tax (HST) paid throughout the year. Some provinces and territories also provide additional credits.
How Much You Can Get
In July 2025, payments are higher. Eligible individuals can receive up to:
- $133.25 for singles
- $174.50 for couples
- $46 per child under 19 years old.
Eligibility is based on your 2024 tax return, and payments are adjusted for inflation, starting with an income threshold of $45,521 of adjusted family net income.
Next Payment Date
July 4, 2025
Ontario Trillium Benefit: Financial Relief for Ontarians
For Ontario residents struggling with rising housing and energy costs, the Ontario Trillium Benefit (OTB) combines three provincial credits into a single monthly payment: the Ontario Energy and Property Tax Credit (OEPTC), the Northern Ontario Energy Credit (NOEC), and the Ontario Sales Tax Credit (OSTC).
How Much You Can Get
The amounts have been increased for the new year. You may be eligible for:
- OEPTC: Up to $106.91 per month (18-64 years), or $121.75 for those 65 and older.
- NOEC: Up to $15.41 for singles, or $23.75 for families.
- OSTC: Up to $30.91 for each person, including dependents.
Next Payment Date
July 10, 2025
Advanced Canada Workers Benefit: Helping Workers in Need
The Advanced Canada Workers Benefit (ACWB) provides eligible workers with a portion of their Canada Workers Benefit (CWB) payments in advance.
This refundable tax credit is designed to support low-income individuals who are working but still face financial difficulties.
How Much You Can Get
The maximum advance payment for July 2025 is:
- $265 for singles
- $456.50 for couples or families
- $136.83 for those qualifying for the disability supplement.
Next Payment Date
July 11, 2025
New Benefit: Canada Disability Benefit (CDB)
A brand-new payment launching in July 2025 is the Canada Disability Benefit (CDB), designed to support low-income adults with disabilities across the country.
This monthly payment is available to adults between 18 and 64 years old who have been approved for the Disability Tax Credit (DTC).
How Much You Can Get
Eligible individuals can receive up to $200 per month, or $2,400 annually. This amount is income-tested, meaning the total payment depends on your earnings and whether you’re part of a couple.
First Payment Date
July 17, 2025
Canada Child Benefit (CCB): Increased Support for Parents
Parents and guardians can expect an increase in the Canada Child Benefit (CCB) starting in July 2025. This tax-free payment helps cover the costs of raising children.
How Much You Can Get
For July 2025:
- $666.41 per child under age 6
- $562.33 per child aged 6 to 17
If you qualify for the Child Disability Benefit, you could receive up to an additional $284.25 per month per child with a Disability Tax Credit (DTC).
Next Payment Date
July 18, 2025
Canada Pension Plan (CPP): Monthly Retirement Income
The Canada Pension Plan (CPP) provides retirement income to individuals who have contributed during their working years. In July 2025, there are no new increases, but payments continue to reflect previous inflation adjustments made in January.
How Much You Can Get
The average monthly payment is about $900, but if you start collecting at age 65, you can receive a maximum of $1,433.
Next Payment Date
July 29, 2025
Old Age Security (OAS): Support for Seniors
Old Age Security (OAS) is a federal payment for seniors aged 65 and older. In July 2025, OAS payments will see a 1% increase to keep up with inflation.
How Much You Can Get
Starting July 2025:
- $734.95 for those aged 65-74
- $808.44 for those 75 and older
Additional support is available for low-income seniors through the Guaranteed Income Supplement (GIS).
Next Payment Date
July 29, 2025
Veteran Disability Pension: Monthly Payments for Veterans
The Veteran Disability Pension provides financial support to veterans whose disabilities are linked to their military service.
How Much You Can Get
The monthly payment can be up to $3,444.59 for the most severe disabilities (Class 1).
Next Payment Date
June 30, 2025
July 2025 marks the arrival of several updated and new government benefits in Canada. From the GST/HST Credit to the Canada Disability Benefit, these programs are designed to offer financial relief to a wide range of residents, including seniors, families, and low-income individuals.
By staying informed and meeting eligibility criteria, Canadians can take full advantage of the financial assistance available to them.
FAQs
What is the Canada Disability Benefit and how can I apply for it?
The Canada Disability Benefit (CDB) is a new monthly payment for low-income adults with disabilities. To apply, you must have been approved for the Disability Tax Credit (DTC) and submit your application to Service Canada.
How much will I receive from the Canada Child Benefit in July 2025?
You can receive $666.41 for each child under 6 and $562.33 for children aged 6 to 17. If your child qualifies for the Child Disability Benefit, you can get additional support.
When will the next payments be issued for the Ontario Trillium Benefit?
The next payment for the Ontario Trillium Benefit will be issued on July 10, 2025.