As July 2025 rolls in, millions of Canadians can expect financial relief through a range of federal and provincial benefits. These essential payments—such as the Canada Child Benefit (CCB), Old Age Security (OAS), Canada Pension Plan (CPP), Ontario Trillium Benefit (OTB), and the newly introduced Canada Disability Benefit—provide support to families, seniors, veterans, and people with disabilities.
Here’s a detailed look at what’s coming this month, including new payment amounts, increases, eligibility updates, and key dates to mark on your calendar.
Table of Contents
What’s New in July 2025?
Canada Disability Benefit Payments Begin
July marks the official rollout of the Canada Disability Benefit for those whose applications were approved by June 30, 2025. This payment will now be issued on the third Thursday of each month, starting July 17. Amounts are based on adjusted family net income and are designed to help Canadians with disabilities meet basic needs.
Mid-Year Benefit Increases
A few key programs will see rate increases this month, including:
- Old Age Security (OAS): Payments increased by 1% for the July–September quarter.
- Ontario Disability Support Program (ODSP): Payment amounts rose by 2.8%, the latest cost-of-living adjustment since being tied to inflation in 2022.
Full July 2025 Benefit Payment Schedule
Here’s a breakdown of all the major benefits and their scheduled payment dates in July:
GST/HST Credit
Payment Date: July 4
A quarterly tax-free credit for low- and modest-income Canadians to help offset the goods and services tax or harmonized sales tax.
Ontario Trillium Benefit (OTB)
Payment Date: July 10
Includes the Ontario Energy and Property Tax Credit, the Ontario Sales Tax Credit, and the Northern Ontario Energy Credit. Eligibility is based on your 2024 income tax return.
Canada Disability Benefit
Payment Date: July 17
Issued monthly for eligible recipients. Applications must be approved by the end of the previous month.
Canada Child Benefit (CCB)
Payment Date: July 18
A tax-free monthly payment to help eligible families cover the costs of raising children under 18. Amounts are adjusted annually for inflation and based on your previous year’s income.
Canada Pension Plan (CPP) & Old Age Security (OAS)
Payment Date: July 29
These retirement benefits are paid monthly. July’s OAS payment includes a 1% increase.
Veteran Disability Pension
Payment Date: June 27
Issued by Veterans Affairs Canada to eligible veterans. The amount depends on the severity and impact of the disability.
Ontario Disability Support Program (ODSP)
Payment Date: June 31
Includes a 2.8% increase this month. Single recipients may receive up to $1,408 for shelter and basic needs.
In-Depth Benefit Guides
Understanding the Ontario Trillium Benefit (OTB)
OTB is a monthly or lump-sum payment that combines three credits into one:
- Ontario Energy and Property Tax Credit
- Northern Ontario Energy Credit
- Ontario Sales Tax Credit
To apply, file your annual tax return and complete the ON-BEN application form. Your family’s net income, age, and residence determine your eligibility and payment amount.
Canada Child Benefit (CCB): What You Need to Know
CCB helps parents manage the cost of raising children under 18. Payment is calculated using:
- Number of eligible children
- Adjusted family net income
- Marital status
The government recalculates the amount every July using the previous year’s income tax return.
Canada Pension Plan (CPP): How Much Will You Get?
You can begin receiving CPP as early as age 60, but full benefits are available at 65. In July 2025:
- Maximum monthly CPP at age 65: $1,364.60
- Average payment at age 65 (2024): $815
Your benefit amount depends on your work history, contributions, and age when you start claiming.
Old Age Security (OAS): Updated for July
OAS is available to most Canadians aged 65 or older and is automatically administered by Service Canada in many cases. The July 2025 OAS payment includes a 1% quarterly increase, reflecting a 2.3% annual inflation adjustment.
ODSP and Inflation Protection
The Ontario Disability Support Program helps low-income residents with disabilities. Payment levels are adjusted for inflation and depend on:
- Family size
- Shelter costs
- Other income sources
ODSP is typically paid on the last business day of the month.
Veteran Disability Pension: Who Qualifies?
Veterans Affairs Canada provides this tax-free benefit to qualifying veterans. Payment amounts vary depending on the severity of the disability and its impact on daily life.
What Canadians Should Watch in July
With mid-year updates to benefit amounts and new programs like the Canada Disability Benefit, July 2025 is a critical month for Canadians who rely on financial support. If you haven’t already, ensure your taxes are filed, and double-check your eligibility for these programs.
Common Questions
When is the Ontario Trillium Benefit paid?
The next OTB payment is scheduled for July 10, 2025.
What is the maximum CPP amount in 2025?
You could receive up to $1,364.60 per month if you start CPP at age 65 in 2025.
What is the Canada Disability Benefit?
This is a new monthly payment for eligible Canadians with disabilities, beginning in July 2025.
Who qualifies for the CCB?
Eligibility depends on your income, number of children under 18, and marital status.
Let me know if you’d like this article optimized for a blog post format with social media preview text, an image prompt, or translation into French.