Explainer videos
Short videos on the questions readers ask most. Each one links to the full guide.
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When the money arrives
The Canada Child Benefit arrives around the 20th of each month.
The Ontario Trillium Benefit lands around the 10th.
The Canada Groceries and Essentials Benefit, which replaced the GST/HST credit in July 2026, is quarterly.
Service Canada pays CPP and OAS together, near the end of each month.
December comes early for the holidays. The child benefit moves to December 11.
Payments can take a few days to appear. Wait five working days for the CCB before contacting the CRA.
The 2027 calendar is not published yet. It usually appears late in the year.
When the CCB, the Ontario Trillium Benefit, the CGEB, CPP and OAS are paid, and why December moves.
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CPP payment dates
CPP is paid near the end of every month, from January 28 to December 22 in 2026.
Every CPP benefit, and every OAS benefit, is issued on that same day.
The maximum retirement pension at 65 is $1,507.65 a month in 2026.
Most people receive far less. The average new pension at 65 was $877.01 in April 2026.
Your own amount depends on your contribution years, your earnings, and the age you start.
CPP rises each January with inflation. The 2027 increase has not been announced yet.
The 2026 CPP schedule, what the maximum and average pensions are, and when 2027 figures arrive.
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December pays early
December payments move forward because of the holidays.
The Canada Child Benefit arrives December 11 instead of the 20th.
The Ontario Trillium Benefit is issued December 10.
The Canada Disability Benefit follows on December 17.
CPP and OAS are paid December 22, the last federal payment of the year.
Plan for the gap. The next payments fall in January, on dates the CRA has not posted yet.
The December 2026 schedule, moved forward for the holidays, benefit by benefit.
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2027 dates are not out yet
As of September 2026, Canada.ca lists only 2026 payment dates.
That covers CPP, OAS, the Canada Child Benefit, the CGEB and every other federal benefit.
The next year's calendar usually appears late in the year before.
Until then, treat any 2027 date you see elsewhere as an estimate, not an official date.
Patterns help you plan: CPP and OAS near month end, the child benefit around the 20th.
We check Canada.ca regularly and update this page the day the real dates appear.
Why no official 2027 dates exist yet, when they usually appear, and how to plan in the meantime.
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GST credit in Canada: what it is called now, how much it pays and when
The GST credit is still paid, but since July 2026 it has a new name: the Canada Groceries and Essentials Benefit (CGEB).
New name since July 2026: Canada Groceries and Essentials Benefit (CGEB).
Maximum, single person (2026-27): $679 a year.
Maximum, couple (2026-27): $890 a year, plus $234 per child.
The GST credit is paid four times a year, in July, October, January and April.
Several provinces pay their own low-income credits in the same quarterly deposit as the federal GST credit, so one deposit can include two amounts.
No. The CRA describes the benefit as tax-free, so you do not report the quarterly deposits as income on your return.
The GST credit became the Canada Groceries and Essentials Benefit in July 2026. See 2026-27 maximums, payment dates, eligibility and provincial add-ons.
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Benefit payment not received: waiting periods, checks and who to contact
CCB and ACFB waiting period: 5 working days after the payment date.
Other CRA benefits, including CGEB: 10 working days after the payment date.
CPP and OAS waiting period: 5 to 10 business days.
Check CRA payments in CRA My Account and CPP or OAS payments in My Service Canada Account.
Each program has its own quirks, so use the page that matches the payment you are missing:
Contact the CRA for any benefit it pays, and Service Canada for CPP, OAS, GIS and the Canada Disability Benefit.
If a trace shows the payment was never issued, the agency fixes the cause and pays the missed amount with a later payment.
Why did I not receive my benefit payment today? Most payments are issued on the scheduled date but can take a few days to arrive, especially cheques.
Benefit payment not received? Wait 5 working days for CCB, 10 for CGEB and other CRA credits, then check your account and contact the right agency.
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OAS payment dates for 2026, with GIS, Allowance and current amounts
The next OAS payment date is Friday, September 25, 2026, followed by October 28, November 26 and December 22.
Next OAS payment date: September 25, 2026.
Last 2026 payment: December 22, 2026.
2027 OAS payment dates: Not yet announced (usually posted late in the year).
Yes. Service Canada adds the GIS to your OAS pension and pays them as one deposit.
The 2027 Old Age Security payment dates are not yet announced. On September 18, 2026, the Government of Canada benefits calendar shows 2026 only.
The amounts below are the maximums for July to September 2026. Most people receive less than the maximum because of partial residence, income or tax withholding.
OAS payment dates for 2026: the remaining deposits are Sept 25, Oct 28, Nov 26 and Dec 22. GIS and the Allowance arrive the same day. 2027 dates not yet out.
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Canada Workers Benefit: how it is paid, how much, and who qualifies
The Canada Workers Benefit (CWB) is a refundable federal tax credit for low-income workers, worth up to $1,633 for a single person and $2,813 for a family for 2025, rising to $1,665 and $2,869 for 2026.
Maximum basic CWB, 2026 tax year: $1,665 single, $2,869 family.
Maximum disability supplement, 2026: $860.
2026 advance payment dates: January 12, July 10, October 9.
The CWB is paid in two pieces: up to 50% as advance payments during the year, and the balance as part of your tax refund or balance owing after you file.
You get the Canada Workers Benefit by filing a tax return. Certified tax software fills in Schedule 6 for you; on paper you complete Schedule 6 and carry the result to line 45300.
For every other federal deposit in the same months, see the CRA payment dates calendar.
Is the Canada Workers Benefit taxable? The CWB is a refundable tax credit, so it reduces your tax or is paid to you; it is not added to your income.
The Canada Workers Benefit pays up to $1,665 (single) or $2,869 (family) for 2026, up to half in advance. See 2026 dates, amounts and who qualifies.
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Ontario benefit payment dates for 2026: provincial and federal
OTB day: The 10th, or the last working day before it.
Remaining 2026 OTB dates: Oct 9, Nov 10, Dec 10.
Ontario Child Benefit: Up to $146.66 per child per month, paid with the CCB.
Ontario's Guaranteed Annual Income System (GAINS) is issued on or about the 25th of each month, from July through June, according to the Government of Ontario.
Federal benefits reach Ontario on the same national dates as the rest of Canada.
October 2026 is a busy month because two quarterly payments fall in it.
No. As of September 2026, neither Canada.ca nor Ontario.ca lists 2027 dates for the OTB, the CCB or any Service Canada benefit.
Benefit payment dates in Ontario for 2026: OTB on the 10th, Ontario Child Benefit with the CCB, GAINS near the 25th, plus CPP, OAS and CGEB dates.
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Canadian Dental Care Plan eligibility: the four rules and the $90,000 income limit
Canadian Dental Care Plan eligibility comes down to four rules: no access to private dental insurance, a filed tax return for you and any spouse or partner, adjusted family net income under $90,000, and Canadian residency for tax purposes.
Income limit: Adjusted family net income under $90,000.
No co-payment: Income under $70,000.
Co-payment $70,000 to $79,999: You pay 40%.
Check your tax slips. Employers report dental access in box 45 of the T4 slip, and pension payers use box 015 of the T4A slip.
Yes. Canada dental care plan renewal is required every year to confirm you still meet the rules, including that you still have no access to dental insurance.
As of September 2026, applications are open for the 2026-2027 benefit year.
Canadian Dental Care Plan eligibility: no dental insurance, taxes filed, family income under $90,000, Canadian resident. Co-pays, renewal and gaps.
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Canada Disability Benefit (CDB): what it pays, when, and who gets it
The Canada Disability Benefit (CDB) is a tax-free federal payment of up to $204.20 a month from July 2026 to June 2027 for low-income people aged 18 to 64 who are approved for the Disability Tax Credit.
Maximum, July 2026 to June 2027: $204.20 a month ($2,450.40 a year).
Maximum, July 2025 to June 2026: $200 a month.
Payment day: Third Thursday of each month.
The supplemental payment is a one-time $150 for each approved Disability Tax Credit certificate that makes someone eligible for the CDB.
Yes. Service Canada can pay back payments for up to 24 months before it receives your application, but never for months before June 2025.
No. Canada.ca states that CDB payments are non-taxable, do not need to be reported on your return, and come with no tax slip.
The Canada Disability Benefit pays up to $204.20 a month from July 2026 to people aged 18 to 64 with the DTC. 2026 dates, income rules and how to apply.