As the cost of living continues to stretch household budgets, the Government of Canada is stepping in with five major benefit payments scheduled for July 2025. These financial supports, administered by both the Canada Revenue Agency (CRA) and Service Canada, are designed to provide extra relief to families, seniors, workers, and low-income earners.
Here’s a breakdown of the five most important benefit programs being paid this month.
Table of Contents
Canada Child Benefit
The Canada Child Benefit (CCB) is continuing in July with slight increases due to inflation adjustments. Families with children under 18 will notice slightly higher monthly tax-free payments.
This benefit is crucial in helping parents afford basic needs like food, school supplies, clothing, and daycare. It’s especially valuable during the summer months when children are out of school and household expenses typically rise.
GST/HST Credit
July also marks a payment month for the GST/HST credit. This quarterly benefit supports low and modest-income Canadians by helping offset the taxes paid on everyday purchases.
If you’re eligible, expect the credit to be deposited directly into your bank account—no application needed, as the CRA automatically calculates your entitlement based on your last tax return.
Old Age Security
Seniors across Canada will continue receiving their regular Old Age Security (OAS) and Guaranteed Income Supplement (GIS) payments this month. These programs are vital lifelines for older Canadians, especially those living on a fixed or limited income.
Whether used to cover rent, groceries, medications, or utility bills, these payments ensure that Canada’s seniors are supported in their later years.
Canada Workers Benefit
Eligible low-income workers will receive an advance payment of the Canada Workers Benefit (CWB) this July. The CWB helps top up earnings for people who are working but still struggling financially.
The benefit encourages continued participation in the workforce while making life more affordable for those earning close to minimum wage. The advance payment ensures workers don’t have to wait until tax season to receive this support.
Employment Insurance
Finally, Employment Insurance (EI) regular and special benefits will continue to be paid on schedule. Whether you’re between jobs, on parental leave, recovering from illness, or providing care for a loved one, EI ensures you have financial backing.
Make sure your claim is up to date to avoid delays, especially since demand tends to spike in summer months with seasonal layoffs and family-related leaves.
| Benefit Program | Payment Type | Who It Helps |
|---|---|---|
| Canada Child Benefit | Monthly (Tax-Free) | Parents with kids under 18 |
| GST/HST Credit | Quarterly | Low/modest-income individuals/families |
| OAS & GIS | Monthly | Seniors 65+ |
| Canada Workers Benefit | Advance payment | Low-income workers |
| Employment Insurance | Weekly (varies) | Unemployed or on leave workers |
These payments reflect Canada’s ongoing commitment to economic fairness, ensuring that people at all stages of life get the help they need. If your personal and tax information is current with the CRA or Service Canada, you won’t need to do anything—your benefit will be sent to you automatically.
Keep an eye on your bank account and CRA MyAccount for payment updates.
FAQs
When will the GST/HST credit be paid?
It will be deposited in July for eligible recipients.
Is the CCB payment adjusted for inflation?
Yes, July’s CCB includes an annual inflation adjustment.
Who qualifies for the Canada Workers Benefit?
Low-income individuals who are employed or self-employed.
How do I check my EI payment status?
Use your My Service Canada Account to track EI status.
Do I need to reapply for OAS and GIS monthly?
No, eligible seniors receive automatic monthly payments.
