The Canadian government provides several financial benefits to support individuals and families, including the Canada Pension Plan (CPP), Old Age Security (OAS), Canada Workers Benefit (CWB), Child and Family Benefits (CAIP), and the GST/HST credit. These programs help with retirement income, support for low-income workers, child care costs, and tax relief.
In 2025, knowing when these payments will be made, how much you’re entitled to, and who qualifies can help you plan your finances effectively. This guide breaks down the 2025 payment schedule, eligibility requirements, and maximum amounts for each benefit.
Payment Schedule
Here’s a quick overview of the 2025 payment dates for key CRA benefits:
| Benefit | Eligibility | Payment Frequency | 2025 Payment Dates | Maximum Annual Amount |
|---|---|---|---|---|
| Canada Pension Plan (CPP) | Retirees, survivors, and people with disabilities | Monthly (3rd of each month) | Jan 3, Feb 3, Mar 3, etc. | Up to $1,306.57/month |
| Old Age Security (OAS) | Seniors 65 and older | Quarterly (4x/year) | Jan 29, Apr 29, Jul 29, Oct 28 | Up to $1,050.23/month |
| Canada Workers Benefit (CWB) | Low-income working individuals & families | Monthly or annual lump sum | Feb 5, Mar 5, Apr 5, etc. | Up to $5,200 (family) |
| Child and Family Benefits (CAIP) | Families with children under 18 | Monthly | Jan 20, Feb 20, Mar 20, etc. | $500 to $1,500/month |
| GST/HST Credit | Low- and modest-income individuals/families | Quarterly | Jan 5, Apr 5, Jul 5, Oct 5 | Up to $800/year (family) |
These payments provide essential financial assistance and can make a significant difference in covering everyday expenses.
Canada Pension Plan (CPP)
The Canada Pension Plan (CPP) is a retirement, disability, and survivor benefit funded through payroll contributions. It provides financial support to those who have worked and contributed during their careers.
Eligibility
You may qualify for CPP if you:
- Are 60 years or older and have made contributions to the CPP.
- Are under 65 and disabled, with a sufficient contribution history.
- Are a surviving spouse or child of a deceased CPP contributor.
2025 Payment Dates
CPP payments are made on the 3rd of every month:
- January 3, 2025
- February 3, 2025
- March 3, 2025
Payment Amounts
The maximum monthly CPP payment for new retirees in 2025 is $1,306.57. Your actual amount depends on your contribution history.
Old Age Security (OAS)
Old Age Security (OAS) provides income support to Canadians aged 65 and older. Unlike CPP, it is not based on contributions but instead on residency in Canada.
Eligibility
To qualify, you must:
- Be 65 or older.
- Have lived in Canada for at least 10 years after turning 18.
- Be a Canadian citizen or permanent resident.
2025 Payment Dates
OAS is paid quarterly:
- January 29, 2025
- April 29, 2025
- July 29, 2025
- October 28, 2025
Payment Amounts
The maximum monthly OAS payment in 2025 is $1,050.23. If your annual income exceeds a certain threshold, your benefit may be reduced.
Canada Workers Benefit (CWB)
The Canada Workers Benefit (CWB) is a tax credit designed to support low-income workers and help them stay in the workforce.
Eligibility
To qualify, you must:
- Be 19 or older.
- Be a Canadian resident.
- Have a low-income job.
2025 Payment Dates
The CWB is paid monthly or as a lump sum:
- February 5, 2025
- March 5, 2025
- April 5, 2025
Payment Amounts
- Up to $5,200 per year for families.
- Up to $2,700 per year for single individuals.
Child and Family Benefits (CAIP)
The Canada Child Benefit (CCB) and the Climate Action Incentive Payment (CAIP) provide financial support to families with children under 18 years old.
Eligibility
You must:
- Have a child under 18.
- Meet income-based criteria.
- Be a Canadian resident.
2025 Payment Dates
CAIP payments are made monthly:
- January 20, 2025
- February 20, 2025
- March 20, 2025
Payment Amounts
Families can receive $500 to $1,500 per month per child, depending on income and family size.
GST/HST Credit
The GST/HST credit helps low- and modest-income Canadians offset the cost of Goods and Services Tax (GST) and Harmonized Sales Tax (HST).
Eligibility
To qualify, you must:
- Be 19 or older.
- Be a Canadian resident.
- Have a low to moderate income.
2025 Payment Dates
GST/HST payments are made quarterly:
- January 5, 2025
- April 5, 2025
- July 5, 2025
- October 5, 2025
Payment Amounts
- Up to $456 per year for singles.
- Up to $800 per year for families.
How to Apply for CRA Benefits
To qualify for most benefits, you must file your tax return annually with the Canada Revenue Agency (CRA).
Sign Up for Direct Deposit
Setting up direct deposit ensures faster payments. You can do this through your CRA My Account.
Keep Your Information Updated
If your address, banking details, income, or family situation changes, update it with the CRA to avoid delays.
Payments Are Missed or Delayed
If you do not receive your payment, check for:
- Incorrect banking details.
- Missing or outdated tax filings.
- Eligibility issues due to income changes.
Check your CRA My Account or call 1-800-959-8281 for assistance.
How to Maximize Your Benefits
- File taxes every year, even if you don’t owe money.
- Know eligibility requirements for each benefit.
- Claim tax credits for children, medical expenses, and disabilities.
- Track your payments using CRA online services.
By staying informed, filing taxes on time, and keeping your CRA details up to date, you can ensure you receive the full benefits you’re entitled to in 2025.
FAQs
When are CPP payments made in 2025?
CPP payments are made on the 3rd of each month.
How often is the OAS benefit paid?
OAS is paid quarterly in January, April, July, and October.
Who qualifies for the Canada Workers Benefit?
Low-income workers aged 19+ who are Canadian residents.
How do I apply for CRA benefits?
File your taxes and ensure your CRA details are up to date.
What is the maximum GST/HST credit for families?
Families can receive up to $800 per year, based on income.
