To help Canadians deal with the rising cost of living, the Government of Canada has announced a new one-time tax-free cash payment of $2,200. This support will go out on October 29, 2025, to help seniors, people with disabilities, and low-income residents cover basic expenses.
If you’re already receiving Old Age Security (OAS), Guaranteed Income Supplement (GIS), or Canada Pension Plan Disability (CPP-D), you don’t need to apply. But if you’re not enrolled in those programs, you must apply by September 30, 2025.
Here’s everything you need to know to qualify and receive the payment.
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Reason
The cost of living is rising across Canada—groceries, rent, electricity, gas, and even healthcare are becoming more expensive. People on fixed incomes are often hit the hardest, especially seniors and individuals with disabilities.
This one-time $2,200 payment is designed to ease financial pressure. Whether it helps cover food, bills, medications, or repairs, the payment is meant to offer some relief where it’s needed most.
Automatic
You’ll automatically receive the payment on October 29, 2025, if you currently get any of these:
- Old Age Security (OAS)
- Guaranteed Income Supplement (GIS)
- Canada Pension Plan Disability (CPP-D)
As long as your direct deposit info or mailing address is up to date, you don’t need to do anything. The money will be sent straight to your bank account or mailed as a cheque.
Apply
If you’re not already getting OAS, GIS, or CPP-D, but believe you qualify based on your age, income, or disability status, you must apply.
Who can apply
- Age: You must be 65 or older by December 31, 2025. However, people under 65 with long-term disabilities receiving provincial or federal disability support may also qualify.
- Residency: You must be a Canadian citizen or permanent resident who has lived in Canada for at least 10 years.
- Income:
- Individuals living alone: income under $35,000
- Households: total family income under $45,000
(These amounts can vary by province and situation.)
How
Here’s how to apply if you qualify but don’t get the automatic deposit:
- Check eligibility: Use the Benefits Finder tool at Canada.ca
- Prepare your documents:
- Government-issued ID (license, passport, PR card)
- Proof of Canadian address (utility bill, rent agreement, tax return)
- Proof of income (T4, Notice of Assessment, pay stubs)
- Download the form: Visit Canada.ca or your local Service Canada office
- Submit your application: Mail or drop off your completed form by September 30, 2025
- Wait for approval: Processing takes 4–6 weeks. You’ll get a letter or email once it’s approved.
Delivery
The payment will be sent on October 29, 2025 in one of two ways:
- Direct deposit: If your banking info is on file with CRA or Service Canada
- Cheque by mail: If you don’t have direct deposit set up
Check your banking and mailing details now to avoid delays.
Uses
There are no rules on how to spend the $2,200. It’s meant to help you with essential daily needs like:
- Rent or mortgage payments
- Groceries and household goods
- Utility bills (electricity, gas, water)
- Medical costs and prescriptions
- Transit, car repairs, or fuel
- Emergency savings or unexpected expenses
It’s your money to use in the way that helps most.
Taxable
This payment is not taxable and not a loan. You won’t have to report it on your taxes, and it won’t reduce your other benefits.
What to do now
- Visit Canada.ca
- Use the Benefits Finder tool
- Make sure your contact info and banking details are updated
- Start collecting your documents if you’ll need to apply
Final thoughts
This $2,200 one-time payment is a much-needed lifeline for Canadians facing rising costs in 2025. Whether you get it automatically or apply manually, don’t miss your chance to receive this help. It can make a real difference with your rent, groceries, bills, or healthcare.
If you or someone you know may be eligible, check today, apply before the deadline, and be ready to receive the support this October.
FAQs
When is the $2,200 payment coming?
It will be sent on October 29, 2025.
Do I need to apply if I get OAS or GIS?
No, you’ll receive it automatically.
Is the payment taxable or a loan?
No, it’s tax-free and you don’t have to pay it back.
Who qualifies to apply?
Canadians 65+ or those with disabilities and low income.
What is the income limit to apply?
Under $35,000 (single) or $45,000 (household).
