Ways Canadians could get money from the government in July
A new month means another opportunity to get money from the Canadian government, if you’re eligible.
July will bring a new round of benefit and credit payments, money from the government that will hopefully help ease your financial burdens amid rising food costs and a looming recession.
If you haven’t already checked, it’s a good time to take stock of which benefits you may be eligible for.
If you have qualified for programs, here’s when you can expect to get money from the government in July.
Canada Disability Benefit — July 17
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This new government benefit aims to provide financial support to Canadians living with a disability.
Applications opened on Friday, June 20. Eligible Canadians can submit an application online, in person at a Service Canada office, or by phone at 1-833-486-3007.
You’ll need to have your application approved by June 30 to receive your first payment in July.
To learn more about the new benefit, who’s eligible, and how much you can get, check out Daily Hive’s guide.
Canada Pension Plan (CPP) — July 29
The CPP is a monthly, taxable benefit that replaces part of eligible Canadians’ income when they retire and is paid for the rest of their lives.
To receive this benefit, you must have made at least one valid contribution to the CPP and be at least 60 years old.
You’ll receive your full pension even if you’re under 70 and still working; contributing to the CPP post-retirement benefit can increase your pension.
The amount you receive will depend on when you decided to start your pension, the amount you contributed, how much you earned throughout your working life, and how long you contributed to the CPP. New beneficiaries aged 65 will receive an average monthly payment of $899.67. The maximum monthly payment you can receive is $1,433.
Old Age Security (OAS) — July 29
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Canadians aged 65 and older can qualify for the OAS pension regardless of their work history.
Canadians aged 65 to 74 can receive up to $727.67 per month in 2025 if their annual net world income in 2023 was less than $142,609. However, Canadians aged 75 and older can receive a maximum of $800.44 if their annual net world income in 2023 was less than $148,179.
GST/HST Credit — July 4
The Goods and Services Tax/Harmonized Sales Tax (GST/HST) credit is a tax-free quarterly payment that aims to help families with low and modest incomes offset the taxes they pay.
Eligible Canadians can expect to get more money from the government in July as the new benefit year begins.
The GST credit payments will increase by 2.7 per cent. Based on this, eligible Canadians could get up to:
- $533 if you are single
- $698 if you are married or have a common-law partner
- $183 for each child under the age of 19
Check to see if you’re eligible for a GST payment.
Canada Child Benefit (CCB) — July 18
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Eligible families can expect to get a bigger CCB payment from the government in July, marking the start of the new benefit year.
Families will see a 2.7 per cent boost in child tax payments. That means annual payments for children under six will increase from $7,787 to $7,997, or $666 monthly. For children aged six to 17, this means an annual payment increase from $6,570 to $6,748, or $562 per month.
Check and see if your family is eligible for a CCB payment.
Ontario Trillium Benefit (OTB) — July 10
The OTB is a tax-free payment that combines the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit.
Ontarians could be eligible for one of the three credits. If you’re between the ages of 18 and 64, the maximum you’ll receive is $1,283, while the maximum you’ll qualify for if you’re 65 or older is $1,461. If you live on a reserve or a public long-term care home, the maximum you can receive is $285. You’ll receive $25 for the time you lived in a designated college, university, or private school residence in 2004.
The amount you receive for the Northern Ontario Energy Credit depends on your marital status. If you’re single, you could receive a maximum of $185, while families could receive a maximum of $285.
You can receive up to $371 for the Ontario Sales Tax Credit. However, you may be eligible for additional credit of up to $371 for your spouse or common-law partner, and each dependent child under 19 years of age on the 1st of the payment month. This credit does not affect your GST/HST credit payments.
Advanced Canada Workers Benefit (ACWB) — July 11
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Eligible Canadians can expect more money from the government through the ACWB in July.
It’s an advanced payment of the Canada Workers Benefit (CWB), a refundable tax credit that eligible individuals can claim on their tax return. It aims to help individuals and families who are working and earning a lower income.
The benefit is scheduled to increase in July, marking the start of the new benefit year.
If you’re eligible, check to see how much more you could receive.
Veteran Disability Pension — July 30
To qualify for the Veteran Disability Pension, you must be one of the following:
- A member or veteran of the Canadian Armed Forces
- A member or former member of the Royal Canadian Mounted Police (RCMP)
- A Second World War or Korean War Veteran (includes Merchant Navy), or an eligible civilian who served in the Second World War
Eligible recipients must have a diagnosed medical condition or disability and be able to show that it was related to their service. If eligible, you can also receive a lifetime monthly benefit or lump sum for Pain and Suffering Compensation. The amount you receive depends on your disability, and payments range from $69.60 to $1,391.98.
There’s also the disability pension, which depends on the number of dependents, such as your spouse, common-law partner, and/or children.
You may also qualify for benefits provided by your provincial or territorial government instead of the government of Canada. Take a look at your provincial benefits page.