In 2025, eligible Canadians can receive up to $4,100 in combined payments through various Canada Revenue Agency (CRA) programs.
These benefits, including Old Age Security (OAS), Canada Pension Plan (CPP), Guaranteed Income Supplement (GIS), Canada Child Benefit (CCB), GST/HST Credit, and others, aim to support seniors, families, and low-income individuals.
Understanding each program’s eligibility and payment schedule is crucial to maximizing these benefits.
Breakdown of CRA Benefits Contributing to the $4,100 Total
| Benefit Program | Maximum Annual Amount | Payment Frequency | Eligibility Criteria |
|---|---|---|---|
| Old Age Security (OAS) | Up to $9,606.72 | Monthly | Canadians aged 65+, meeting residency requirements |
| Guaranteed Income Supplement (GIS) | Up to $12,684.12 | Monthly | Low-income OAS recipients |
| Canada Pension Plan (CPP) | Up to $16,375.20 | Monthly | Contributors aged 60+ |
| Canada Child Benefit (CCB) | Up to $7,787 per child under 6 | Monthly | Families with children under 18 |
| GST/HST Credit | Up to $519 (single), $680 (couple) | Quarterly | Low to moderate-income individuals and families |
| Canada Carbon Rebate (CCR) | Varies by province | Quarterly | Residents in provinces with federal carbon pricing |
| Advanced Canada Workers Benefit (ACWB) | Up to $1,428 | Quarterly | Low-income workers |
| Ontario Trillium Benefit (OTB) | Up to $1,421 | Monthly | Ontario residents meeting specific criteria |
| Alberta Child and Family Benefit (ACFB) | Varies | Quarterly | Alberta families with children |
Key Payment Dates for 2025
| Benefit | Payment Dates |
|---|---|
| OAS & GIS | Jan 29, Feb 26, Mar 27, Apr 28, May 28, Jun 26, Jul 29, Aug 27, Sep 25, Oct 29, Nov 26, Dec 22 |
| CPP | Same as OAS & GIS |
| CCB | Jan 20, Feb 20, Mar 20, Apr 17, May 20, Jun 20, Jul 18, Aug 20, Sep 19, Oct 20, Nov 20, Dec 12 |
| GST/HST Credit | Jan 3, Apr 4, Jul 4, Oct 3 |
| CCR | Jan 15, Apr 22 |
| ACWB | Jan 10, Jul 11, Oct 10 |
| OTB | Monthly on the 10th |
| ACFB | Feb 27, May 27, Aug 27, Nov 27 |
Eligibility and Application Process
1. File Your 2024 Income Tax Return
Filing your tax return is essential, even if you have no income. It determines your eligibility for benefits like the GST/HST Credit, CCB, CCR, and ACWB. The deadline for most individuals is April 30, 2025.
2. Apply for Specific Programs
Some benefits require direct application:
- OAS & GIS: Apply through My Service Canada Account.
- CPP: Application needed upon retirement.
- Provincial Benefits: Apply via your annual tax return.
3. Set Up Direct Deposit
To receive payments promptly, set up direct deposit through your CRA My Account or Service Canada Account.
By understanding and applying for the various CRA benefits available in 2025, eligible Canadians can access up to $4,100 or more to support their financial well-being.
Timely tax filing and awareness of eligibility criteria are key to maximizing these benefits.
FAQs
Is the $4,100 payment a single lump sum?
No, the $4,100 represents the combined total from various CRA benefits distributed throughout the year.
What if I miss the tax filing deadline?
Late filing may delay your benefit payments. It’s crucial to file as soon as possible to ensure timely disbursements.
Are these benefits taxable?
Some benefits like OAS and CPP are taxable, while others like CCB and GST/HST Credit are tax-free.