Each month, eligible Canadians receive various federal and provincial government benefit payments to help with living costs, support families, and provide financial relief for those with disabilities, retirees, and veterans. July 2025 is no different — with a series of benefit programs scheduled to release payments throughout the month. Here’s a breakdown of what to expect, including updated payment amounts and key eligibility details.
Table of Contents
Federal and Provincial Benefit Payment Dates – July 2025
Here’s a list of major benefit programs with their July payment dates and notes on any changes for this month:
| Benefit Program | Payment Date (July 2025) | Notes |
|---|---|---|
| Ontario Trillium Benefit (OTB) | July 10 | Based on 2024 tax return; includes three credits (OEPTC, NOEC, OSTC). |
| Canada Disability Benefit (CDB) | July 17 | First payments start for those approved by June 30. |
| Canada Child Benefit (CCB) | July 18 | Adjusted yearly for inflation based on previous year’s income. |
| Canada Pension Plan (CPP) | July 29 | Monthly pension payment; eligibility starts at age 60. |
| Old Age Security (OAS) | July 29 | Includes a 1% increase for Q3 2025. |
| Veteran Disability Pension | July 30 | Tax-free benefit based on severity of condition and service entitlement. |
| Ontario Disability Support Program (ODSP) | July 31 | Includes a 2.8% inflation increase effective July 1. |
Key Updates for July 2025
Canada Disability Benefit Starts Rolling Out
The new Canada Disability Benefit (CDB) begins in July. Those who had applications approved by June 30 will receive their first payment on July 17. Payments are issued on the third Thursday of each month and are income-tested, based on your adjusted family net income.
OAS and ODSP Get Inflation-Based Increases
Recipients of Old Age Security (OAS) will notice a 1% increase in payments for July–September 2025. This reflects a 2.3% annual increase, tied to the consumer price index. If inflation falls, your payments won’t decrease.
Meanwhile, ODSP recipients get a 2.8% increase starting July 1. This marks the fourth inflation adjustment since ODSP rates were indexed in September 2022 — for a total increase of 20% since then.
CPP and OAS Payments
To qualify for the Canada Pension Plan, you must be at least 60 and have made at least one contribution. As of 2025, the maximum monthly payment at age 65 is $1,364.60, though the average new recipient gets around $815. OAS payments are reviewed quarterly, and most Canadians are auto-enrolled once they turn 65.
Ontario Trillium Benefit (OTB) Details
OTB combines three credits:
- Ontario Energy and Property Tax Credit
- Northern Ontario Energy Credit
- Ontario Sales Tax Credit
To qualify, you must meet eligibility criteria for at least one of the credits. Your 2025 payments are based on your 2024 tax return. You must apply each year by submitting the ON-BEN application with your tax return.
You’re eligible if you:
- Paid property tax or rent in Ontario in the prior year
- Paid energy costs on an Ontario reserve
- Lived in a designated post-secondary residence
- Paid for long-term care/nursing home expenses
Canada Child Benefit (CCB) Update
The CCB is a tax-free monthly payment to support families with children under 18. It’s recalculated each July based on your family’s net income from the previous year. The benefit adjusts with inflation and considers the number of children, marital status, and income.
Use the Child and Family Benefits Calculator to estimate your payments.
Haven’t Filed Your Taxes
Many benefits, including OAS, CCB, and OTB, are income-tested. If you haven’t filed your taxes, you may not receive your benefits. Be sure to submit your return on time each year to avoid any disruption.
If you’re unsure of your eligibility or want to estimate your payments, access your My Service Canada Account or consult the federal and provincial websites for detailed guidance.
FAQs
When will CPP and OAS payments be made in July 2025?
Both will be paid on July 29, 2025.
When is the first Canada Disability Benefit payment?
July 17, for those approved by June 30, 2025.
How much is the ODSP inflation increase?
2.8%, effective July 1, 2025.
What is the OTB and when is it paid?
It’s a monthly payment combining three Ontario tax credits. The July 2025 payment date is July 10.
What happens if I don’t file taxes?
You may lose access to income-tested benefits like the CCB, OTB, and GST/HST credits.
