As July approaches, many Canadians can look forward to receiving support through several government programs administered by the Canada Revenue Agency (CRA) and Service Canada.
These benefits are designed to ease financial burdens and help citizens manage rising costs related to family care, living expenses, and inflation. Let’s take a closer look at the key programs set to provide payments or updates in July, along with who qualifies and when to expect them.
Canada Child Benefit (CCB) Continues Monthly Support
The Canada Child Benefit (CCB) remains one of the most important monthly financial supports for families with children under 18. Administered by the CRA, this tax-free benefit helps cover costs associated with raising children.
The next CCB payment is scheduled for July 19, 2025, and the amount will vary depending on the family’s income and number of children. With indexation adjustments each year, eligible families can expect updated payments that reflect inflation changes.
GST/HST Credit – July Installment Expected
The quarterly Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit is another vital benefit that helps lower- and modest-income individuals and families offset some of the taxes they pay on purchases.
For July 2025, the first installment of the new payment year (2025–2026) will be deposited around July 5, 2025. The CRA recalculates your eligibility each July based on your previous year’s tax return, so it’s essential to file your taxes to receive this credit.
Canada Pension Plan (CPP) and Old Age Security (OAS)
For seniors receiving retirement benefits, July brings timely support through CPP and OAS. Both programs are administered by Service Canada and provide monthly income for retirees.
The CPP payment for July 2025 will be issued on July 29, while OAS which includes the Guaranteed Income Supplement (GIS) for low-income seniors will be deposited on July 29 as well. The July amounts may include revised rates due to the quarterly indexation that adjusts for the cost of living.
Employment Insurance (EI) Regular Benefits
Eligible individuals who are temporarily unemployed, on maternity or parental leave, or facing caregiving responsibilities can continue to rely on Employment Insurance (EI) benefits, which are typically issued every two weeks.
For July, beneficiaries should monitor their Service Canada accounts for their respective biweekly payment dates. Processing times can vary, so timely reporting of income and status updates is key.
Canada Workers Benefit (CWB) Advance Payment
A lesser-known but increasingly impactful benefit is the Canada Workers Benefit (CWB), which offers support to low-income workers. Those who applied for the Advanced Quarterly Payment Option will receive their next installment in July 2025, providing additional help with everyday costs like groceries and rent. The CRA automatically calculates eligibility and sends payments to qualifying individuals who filed their tax returns on time.
Here’s a summary table of the expected benefit programs and their projected July payment dates:
| Benefit Program | Administered By | Next Payment Date | Eligibility Based On |
|---|---|---|---|
| Canada Child Benefit (CCB) | CRA | July 19, 2025 | Family net income, children under 18 |
| GST/HST Credit | CRA | July 5, 2025 | Previous year tax return |
| CPP & OAS (including GIS) | Service Canada | July 29, 2025 | Age and contribution history |
| Employment Insurance (EI) | Service Canada | Biweekly (varies) | Job status, hours worked, contributions |
| Canada Workers Benefit (CWB) | CRA | July 2025 (exact date TBA) | Income level and tax filing |
Final Thoughts
With July bringing a variety of financial supports from both the CRA and Service Canada, it’s important to stay informed, ensure your tax return is filed, and keep personal information up to date.
These programs aim to alleviate economic pressures for individuals and families across Canada. Whether you’re a parent, a worker, or a retiree, the upcoming month holds timely payments that can make a meaningful difference.