Sharon Turner
Several federal and provincial benefit payments are set to be disbursed in July 2025, providing financial assistance to eligible Canadians.
These include the Goods and Services Tax/Harmonized Sales Tax (GST/HST) credit, Ontario Trillium Benefit (OTB), Canada Child Benefit (CCB), Canada Pension Plan (CPP), Old Age Security (OAS), Ontario Disability Support Program (ODSP), and the Veteran Disability Pension.
Let’s explore the dates and important details for each of these payments.
Canada Disability Benefit Payments Begin
July marks the start of Canada Disability Benefit payments for those whose applications were submitted and approved by June 30, 2025. If you qualify, your payment will be issued the month following your approval.
These payments are scheduled for the third Thursday of each month, with July’s payment date set for July 17. The payment amount is based on your adjusted family net income.
Benefit Increases for July 2025
A few key benefits will see an increase in their rates in July, such as OAS and ODSP. These benefits are income-tested, meaning your payment may rise or fall based on the income declared in your most recent tax return.
Failing to file taxes may result in the suspension of some payments. The updated payment amounts will take effect in July.
When Are Payments Due?
Ontario Trillium Benefit (OTB)
The Ontario Trillium Benefit will be the first payment of the month, arriving on July 10.
The OTB is a combination of three credits: the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit. Your eligibility and payment amount are based on your 2024 income tax and benefit return.
Canada Child Benefit (CCB)
The Canada Child Benefit will be issued on July 18, providing financial support to families with children under 18.
The amount is adjusted for inflation and recalculated each year based on your adjusted family net income from the previous year.
Canada Pension Plan (CPP) & Old Age Security (OAS)
Both CPP and OAS payments are scheduled for July 29. The OAS benefits will see a 1% increase for the July-September 2025 quarter, reflecting a 2.3% annual increase based on the consumer price index. These increases are part of the regular cost-of-living adjustments.
Veteran Disability Pension & ODSP Payments
The Veteran Disability Pension will be issued on July 30, while the Ontario Disability Support Program (ODSP) payment is set for June 31.
ODSP recipients will see an increase of 2.8%, which is the fourth adjustment since the program was tied to inflation in September 2022. If you are a single recipient, the ODSP payment can be up to $1,408 for basic needs and shelter.
July 2025 Government Benefit Payment Dates
| Benefit | Payment Date |
|---|---|
| GST/HST Credit | July 4 |
| Ontario Trillium Benefit (OTB) | July 10 |
| Canada Disability Benefit | July 17 |
| Canada Child Benefit | July 18 |
| Canada Pension Plan (CPP) | July 29 |
| Old Age Security (OAS) | July 29 |
| Veteran Disability Pension | June 27 |
| Ontario Disability Support Program (ODSP) | June 31 |
Understanding the Ontario Trillium Benefit (OTB)
The Ontario Trillium Benefit (OTB) is a three-in-one payment consisting of the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit.
To qualify for the OTB, applicants must meet the eligibility criteria for at least one of these credits. Your family net income from the previous year will determine the amount of the benefit.
How to Apply for OTB
To apply for the Ontario Trillium Benefit, you must file your personal income tax and benefit return and complete the ON-BEN application form, which is included in the tax return package.
Your eligibility is determined based on factors like family income, age, and residence.
Canada Pension Plan (CPP): How Much Could You Receive?
To qualify for CPP, you must be at least 60 years old and have contributed to the plan. The amount of your CPP pension is determined by your earnings throughout your career and the age at which you start receiving payments.
In 2025, the maximum monthly amount you could receive if you start at age 65 is $1,364.60. The average CPP pension payment for someone starting at age 65 in July 2024 was $815.
What Is the Canada Child Benefit (CCB)?
The Canada Child Benefit (CCB) is a tax-free monthly payment that helps families with the costs of raising children under the age of 18.
The amount you receive depends on your number of children, income, and marital status. Use the child and family benefits calculator to estimate your payments.
Who is Eligible for OAS?
Old Age Security (OAS) is a monthly payment available to Canadians aged 65 and older. In most cases, Service Canada automatically enrolls eligible individuals for the OAS pension.
Who Is Eligible for ODSP?
The Ontario Disability Support Program (ODSP) provides financial assistance to those with disabilities. The payment amount depends on your situation, including the size of your family and your income. ODSP payments are issued on the last business day of each month, with earlier payments in December.
Veteran Disability Pension
The Veteran Disability Pension is a tax-free payment from Veterans Affairs Canada that supports the well-being of veterans. The amount varies based on the severity of the disability and its impact on the veteran’s life.
July 2025 will bring crucial support to eligible Canadians through various government benefit payments. These include GST/HST credits, Ontario Trillium Benefits, Canada Pension Plan, Old Age Security, and more. Be sure to review the payment schedules and eligibility criteria to ensure you receive your benefits on time.
FAQs
When is the Ontario Trillium Benefit paid?
The Ontario Trillium Benefit will be paid on July 10, 2025.
How much can I receive through the Canada Pension Plan?
The maximum CPP payment at age 65 is $1,364.60 per month, depending on your contributions and age.
What is the eligibility for the Canada Child Benefit?
CCB eligibility depends on income, marital status, and the number of children under 18 in the household.