Managing finances with the help of government benefits is crucial for many Canadians. With various financial supports available, including the Canada Child Benefit (CCB), Canada Pension Plan (CPP), Old Age Security (OAS), and more, staying informed about the payment schedule ensures you receive your benefits on time.
This article breaks down the key payment dates for June and July 2025 and the steps you can take to ensure your cheques are not delayed.
Overview of Canada’s Benefit Payments
Canada provides a range of government benefits, most of which are paid monthly or quarterly. These payments aim to support various segments of the population, including families, seniors, and low-income individuals. The most common benefits include:
- Canada Child Benefit (CCB)
- Canada Pension Plan (CPP) and Old Age Security (OAS)
- GST/HST Credit
- Canada Carbon Rebate (CCR)
- Provincial benefits like the Ontario Trillium Benefit (OTB) and Alberta Child and Family Benefit (ACFB)
Here’s an overview of the upcoming payment dates for June and July 2025:
| Benefit Type | June 2025 Payment Date | July 2025 Payment Date |
|---|---|---|
| Canada Child Benefit | June 17, 2025 | July 20, 2025 |
| CPP/OAS | June 28, 2025 | July 28, 2025 |
| GST/HST Credit | June 4, 2025 | October 4, 2025 (next) |
| Canada Carbon Rebate | June 15, 2025 | July (TBD) |
| Ontario Trillium Benefit | June 10, 2025 | July 9, 2025 |
| Alberta Child and Family Benefit | N/A | July 27, 2025 |
Federal Benefit Details
Canada Child Benefit (CCB)
- June Payment: June 17, 2025
- July Payment: July 20, 2025
To qualify for the CCB, you must file your taxes annually and be listed as the primary caregiver for your child.
Canada Pension Plan (CPP) and Old Age Security (OAS)
- June Payment: June 28, 2025
- July Payment: July 28, 2025
Both CPP and OAS payments are made monthly. If you haven’t already, set up direct deposit through your My Service Canada Account to receive your payments on time.
GST/HST Credit
- Next Payment: June 4, 2025
The GST/HST Credit is a quarterly payment, based on your tax return. It’s automatically calculated, so there’s no need to apply separately.
Canada Carbon Rebate
- June Payment: June 15, 2025
The Canada Carbon Rebate helps offset the cost of carbon pricing. The July payment date will be announced closer to the date.
Provincial Payments
Ontario Trillium Benefit (OTB)
- June Payment: June 10, 2025
- July Payment: July 9, 2025
OTB helps with energy, property tax, and sales tax credits. It is paid monthly.
Alberta Child and Family Benefit (ACFB)
- July Payment: July 27, 2025
To qualify for the ACFB, make sure your tax return is filed. Payments are made quarterly, based on family income.
How to Receive Your Benefits Without Delay
To ensure timely receipt of your benefits, follow these essential steps:
- File Your Taxes: Most benefits depend on your tax return. File by April 30 (or June 15 if self-employed).
- Register for Direct Deposit: To avoid delays, set up direct deposit via the CRA My Account or your banking portal.
- Update Your Information: If you’ve had any life changes (such as a change of address, bank, or marital status), make sure to update your details with CRA or Service Canada.
- Monitor Your CRA Account: Keep an eye on your CRA My Account for updates on your upcoming payments.
- Check for New Programs: Stay informed about new benefits, such as the Working Canadians Rebate, which may be introduced in 2025.
Common Mistakes to Avoid
- Missing the Tax Deadline: No return = no benefits.
- Not Updating Your Info: Even minor details like an outdated bank account can delay payments.
- Assuming You’re Not Eligible: Check your eligibility—many low-income households qualify for credits.
- Ignoring CRA Letters: These contain important updates or requests for documents that could affect your payments.
Real-Life Examples
- Sarah, a working parent, receives the CCB and GST/HST Credit. She files her taxes on time, ensuring her payments arrive without delays.
- John, a senior, receives both CPP and OAS. Thanks to his direct deposit setup, he receives his payments on June 28 and July 28, every month.
Being aware of the payment schedule and staying organized ensures that you receive your government benefits without delays.
By following the steps outlined, you can ensure a smooth process for June and July 2025 payments. Always update your information and file taxes on time to avoid complications.
FAQs
When is the Canada Child Benefit paid in June and July 2025?
The CCB is paid on June 17 and July 20, 2025.
How can I set up direct deposit for my benefits?
Set up direct deposit through your CRA My Account or your banking portal.
What should I do if I change my address or bank account?
Update your details with CRA or Service Canada to avoid payment delays.