As the 2025 benefit year officially begins, Canadians can expect meaningful updates to federal government payments — including increased amounts and new eligibility thresholds based on 2024 tax filings. From cost-of-living adjustments to a brand-new disability payment, July will see eight key programs delivering financial support, and one major benefit launching for the very first time.
Whether you’re a working parent, a low-income earner, a senior, or someone living with a disability, here’s a complete guide to what’s coming, how much you could receive, and when to expect your next payment.
Table of Contents
GST/HST Credit: Quarterly Relief for Everyday Purchases
Who It’s For
Modest- to low-income Canadians looking for tax-free support with everyday expenses like food, utilities, and goods.
What’s New in July 2025
- Payments are up by 2.7% for the new benefit year.
- Based on your 2024 tax return, meaning your eligibility or payment may have shifted.
Payment Breakdown
- Single adults: Up to $133.25
- Couples: Up to $174.50
- Per child under 19: Additional $46
- Income phase-out starts at: $45,521
Next Payment: July 4, 2025
Ontario Trillium Benefit: Monthly Help With Energy and Housing
Who It’s For
Ontario residents facing rising costs in rent, property tax, or energy bills.
What You Can Receive Monthly
- Energy and Property Tax Credit: Up to $121.75
- Northern Ontario Energy Credit: Up to $23.75
- Sales Tax Credit: $30.91 per eligible person in your household
Note:
If your total entitlement is $360 or less, you’ll receive it as a lump sum in July.
Next Payment: July 10, 2025
Advanced Canada Workers Benefit: Extra Support for Low-Income Workers
What It Does
Provides part of your tax refund early, instead of waiting until tax time.
Eligibility
- Be at least 19 or live with a spouse/partner or child
- Must earn under your province’s income threshold
- Based on 2024 income
Advance Payment Amounts (July Installment)
- Single workers: Up to $265
- Couples or families: Up to $456.50
- Disability supplement: Additional $136.83
Next Payment: July 11, 2025
Canada Disability Benefit: A Brand-New Monthly Payment
Who It’s For
Low-income adults aged 18–64 who qualify for the Disability Tax Credit (DTC).
What You’ll Get
- Up to $200 per month
- Annual max: $2,400
- Income-tested: Payment depends on your income and household situation
- If annual entitlement is less than $240, you’ll receive a lump sum instead
First Payment: July 17, 2025
(If your DTC application is approved by June 30)
Canada Child Benefit: Bigger Payments for Families in 2025
Who Qualifies
Parents or guardians of children under 18 who meet residency and legal status requirements.
Updated Monthly Maximums
- Under 6 years old: Up to $666.41 per child
- Ages 6 to 17: Up to $562.33 per child
Child Disability Benefit Top-Up
If your child qualifies for the DTC:
- Up to an extra $284.25 per month
Next Payment: July 18, 2025
Canada Pension Plan (CPP): Steady Support for Retirees
What It Is
Monthly retirement income for Canadians who contributed to the plan during their working years.
July 2025 Status
- No mid-year increase (was adjusted in January)
- Max payment at age 65: $1,433
- Average monthly payment: Around $900
Next Payment: July 29, 2025
Old Age Security (OAS): Boosted Payments for Seniors
Who Qualifies
Seniors aged 65+ with at least 10 years of Canadian residency after age 18.
July 2025 Increase
Payments are increasing by 1% due to inflation. Final amounts will be confirmed in early July.
Estimated Monthly Maximums
- Ages 65–74: ~$734.95
- 75+: ~$808.44
Guaranteed Income Supplement (GIS)
- Up to $1,097.75/month if you’re single with little to no income
Additional Programs
- Allowance (for spouses age 60–64): Up to $1,395.72
- Survivor Allowance: Up to $1,663.81
Next Payment: July 29, 2025
Veteran Disability Pension: Lifelong Support for Service-Related Injuries
Who Qualifies
Veterans and certain RCMP members or civilians with service-related disabilities.
July 2025 Update
No new increase this month (was adjusted in January).
Payment Amounts
- Up to $3,444.59/month for Class 1 disabilities
- Additional support available for dependents and spouses
Final Thoughts: Why July 2025 Matters
With inflation adjustments, updated eligibility based on 2024 taxes, and the launch of the long-awaited Canada Disability Benefit, July is shaping up to be one of the most important months for government payments in recent years. If you haven’t reviewed your status or entitlements lately, now’s the time to double-check — you might be eligible for more than you expect.
