Last Updated On 22 July 2026, 6:50 PM EDT (Toronto Time)
The final week of July is bringing one of the busiest weeks for Canada benefit payment deposit days of the entire month for millions of Canadians.
Several benefit programs already issued their July deposits earlier this month, but the biggest single payout day is still ahead.
Pension deposits, disability payments, and provincial assistance cheques are all scheduled to land before the calendar flips to August.
Some of these payments carry quarterly increases that took effect on July 1, meaning noticeably higher amounts compared to June.
Here is every government benefit payment still coming before the end of July 2026, with deposit dates, updated amounts, and eligibility.
Table of Contents
Provincial Disability and Income Assistance Payments
Several provinces issue end-of-month disability and income assistance payments during the final days of July.
These payments are separate from federal benefits and are funded entirely by provincial governments.
Ontario Disability Support Program (ODSP)
The next ODSP payment is scheduled for Friday, July 31, 2026.
This falls on the last business day of the month.
A single ODSP recipient can now receive up to $1,436 per month in combined basic needs and shelter support.
ODSP rates are indexed to inflation annually in July, and a 1.9% increase takes effect with the July 2026-27 benefit period.
Ontario has formally exempted federal CDB payments from ODSP income calculations.
Recipients can collect both the maximum $204.20 CDB and full ODSP without any provincial reduction.
A single ODSP recipient also qualifying for the maximum CDB can receive up to $1,640.20 per month combined.
Alberta AISH/ADAP and Income Support on July 28
The next AISH/ADAP and Income Support payment for the August 2026 assistance period is confirmed for Tuesday, July 28, 2026.
This date is published on the official Alberta government payment schedule.
AISH payments are issued four business days before the first of each month, covering the following month.
The maximum monthly AISH living allowance is $1,940 for a single recipient.
The child benefit adds $300 for the first child, $117 for the second, $88 for the third, $59 for the fourth, and $30 for each additional child.
As of July 1, 2026, most current AISH recipients have been transitioned to the Alberta Disability Assistance Program (ADAP).
ADAP provides $1,740 per month plus a $200 monthly transition benefit that maintains payments at the $1,940 AISH level.
This transition benefit remains in place until December 31, 2027.
Alberta has confirmed that federal CDB payments do not reduce AISH or ADAP benefits.
| Provincial Program | July Payment Date | Maximum Monthly (Single) |
|---|---|---|
| ODSP (Ontario) | Friday, July 31, 2026 | Up to $1,436 |
| AISH/ADAP (Alberta) | Tuesday, July 28, 2026 | $1,940 |
| B.C. PWD | Wednesday, July 22, 2026 | $1,483.50 |
| Ontario Works | Friday, July 31, 2026 | Varies by household |
British Columbia Disability Assistance Issued July 22
B.C.’s income and disability assistance payment for August 2026 was issued on Wednesday, July 22, 2026.
A single person with the Persons with Disabilities (PWD) designation receives up to $1,483.50 per month.
This amount combines the support allowance and shelter allowance into one deposit.
B.C. maintains an Annual Earnings Exemption of $16,200 for single PWD recipients.
Employment income up to that amount does not reduce provincial benefits.
B.C. has confirmed that federal Canada Disability Benefit payments are fully exempt from PWD income
CPP Payments on July 29
The next Canada Pension Plan payment is confirmed for Wednesday, July 29, 2026.
This date is verified against the official benefits payment calendar published by the Government of Canada.
CPP amounts for 2026 reflect a 2% annual indexation that took effect with the January 28 deposit.
Existing CPP pensions received annual indexation in January, though published maximums for new benefits can shift as the CPP enhancement continues phasing in.
The maximum monthly CPP retirement pension at age 65 is $1,507.65 as published by Service Canada.
The average CPP payment for new retirees at 65 is $877.01 per month.
Unlike OAS, CPP does not adjust quarterly, but published maximums for new benefits can increase during the year because of the CPP enhancement.
| CPP Benefit Type | Maximum Monthly (2026) | Average Monthly |
|---|---|---|
| Retirement pension (at age 65) | $1,507.65 | $877.01 |
| Retirement pension (at age 60) | $965.33 | Varies |
| Retirement pension (at age 70) | $2,140.87 | Varies |
| Disability benefit | $1,741.20 | Varies |
| Survivor benefit (under 65) | $803.54 | Varies |
| Survivor benefit (65 and older) | $904.59 | Varies |
| Children’s benefit | $307.81 | $307.81 |
| Death benefit (one-time) | $2,500.00 | N/A |
These maximums apply to new benefits beginning in January 2026 with a full contribution history.
Most recipients receive less because actual CPP depends on lifetime contributions, years worked, and claiming age.
The CPP enhancement that began phasing in during 2019 is gradually increasing the replacement rate from 25% to 33%.
Workers who take CPP before 65 face a permanent 0.6% reduction for each month they collect early.
That results in up to a 36% total reduction at age 60.
Those who delay past 65 receive a 0.7% increase per month of deferral, up to a maximum 42% boost at age 70.
OAS Payments With 1.2% Increase
The Old Age Security pension is increasing by 1.2% for the July to September 2026 quarter.
This is the largest single-quarter adjustment of the year so far.
The maximum monthly OAS payment rises to approximately $751.97 for seniors aged 65 to 74.
For seniors aged 75 and older, the maximum rises to approximately $827.17 per month.
The first payment at the new rate lands on Wednesday, July 29, 2026.
This rate will apply to all payments through the September 25 deposit.
| OAS Component | Apr–Jun 2026 | Jul–Sep 2026 (Projected) |
|---|---|---|
| Maximum OAS pension (ages 65–74) | $743.05/month | ~$751.97/month |
| Maximum OAS pension (ages 75+) | $817.36/month | ~$827.17/month |
| Maximum GIS (single, low income) | $1,086.88/month | $1,123.17/month |
| Allowance (ages 60–64) | $1,411.13/month | $1,428.06/month |
| Allowance for the Survivor | $1,682.15/month | $1,702.34/month |
Seniors aged 75 and older continue receiving the permanent 10% enhancement introduced in July 2022.
That enhancement is applied on top of all quarterly adjustments.
The 1.2% increase follows the 0.3% January bump and the 0.1% April adjustment.
The cumulative year-over-year OAS increase is approximately 2.3% compared to July 2025.
The deflation safeguard under the Old Age Security Act prevents published OAS rates from decreasing when CPI falls.
Individual payments can still change because of income, residency, or eligibility adjustments.
The base rate itself, however, is protected from dropping.
Guaranteed Income Supplement Annual Reset
July 29 is not just a rate increase day for GIS recipients.
It is also the annual reset, when Service Canada recalculates GIS for the new July 2026 to June 2027 benefit year.
The recalculation uses 2025 tax return income instead of 2024.
A senior whose income dropped in 2025 could see a meaningful GIS increase on the July 29 deposit.
A senior whose income rose in 2025 could see a smaller GIS payment despite the 1.2% quarterly increase.
Filing your 2025 tax return on time is the single most important step to keep GIS flowing without interruption.
OAS Recovery Tax for the New Benefit Year
The OAS recovery tax threshold also rolls forward with the July reset.
For the July 2026 to June 2027 repayment period, the clawback begins when 2025 net income exceeds $93,454 as confirmed by the Government of Canada.
The repayment rate is 15 cents for every dollar of income above that threshold.
OAS is fully eliminated at approximately $152,062 for recipients aged 65 to 74.
The upper threshold is approximately $157,923 for those aged 75 and older due to the enhanced pension amount.
NLDB Payment on July 24
The next Newfoundland and Labrador Disability Benefit payment is scheduled for Friday, July 24, 2026.
The NLDB provides up to $400 per month ($4,800 annually) to eligible residents aged 18 to 64.
Recipients must hold a valid Disability Tax Credit certificate on file with the CRA.
The adjusted family net income threshold is $42,404 for individuals or $55,404 for couples where both qualify.
Those with annual income below $29,402 receive the full $400 monthly benefit.
Incomes between $29,402 and the upper threshold result in a partial payment.
The NLDB is administered by the CRA and requires no separate application beyond filing your annual tax return.
This benefit stacks on top of the federal Canada Disability Benefit without reducing either payment.
Complete July 2026 Benefit Payment Summary
The following table consolidates every federal and major provincial benefit payment scheduled during July 2026.
| Benefit | July Date | Maximum Amount | Status |
|---|---|---|---|
| CGEB | Friday, July 3 | $679/year (single) | Issued |
| OTB | Friday, July 10 | Up to $1,488/year | Issued |
| ACWB | Friday, July 10 | $1,633/year (single) | Issued |
| CDB | Thursday, July 16 | $204.20/month | Issued |
| CCB | Monday, July 20 | $679.75/month (under 6) | Issued |
| B.C. PWD | Wednesday, July 22 | $1,483.50/month (single) | Issued |
| NLDB | Friday, July 24 | $400/month | Upcoming |
| AISH/ADAP | Tuesday, July 28 | $1,940/month (single) | Upcoming |
| CPP | Wednesday, July 29 | $1,507.65/month (max at 65) | Upcoming |
| OAS (65–74) | Wednesday, July 29 | ~$751.97/month | Upcoming |
| OAS (75+) | Wednesday, July 29 | ~$827.17/month | Upcoming |
| GIS | Wednesday, July 29 | Up to $1,123.17/month | Upcoming |
| ODSP | Friday, July 31 | Up to $1,436/month | Upcoming |
How To Verify Your Payment Amounts
CRA-administered benefits, including the CGEB, CCB, OTB, ACWB, NLDB, and CDB can be reviewed through CRA My Account.
Service Canada payments, including CPP, OAS, and GIS can be reviewed through My Service Canada Account.
Provincial disability recipients should check their respective portals: MyBenefits for ODSP in Ontario, My Self Serve for B.C., or the Alberta AISH online portal.
Filing your 2025 tax return was the single most important step for the July 2026 to June 2027 benefit year.
An unassessed 2025 return is the most common cause of paused, delayed, or reduced benefit payments.
Stacking Multiple Benefits in the Same Month
Eligible Canadians commonly receive several benefit payments in a single month.
Each program has its own separate eligibility rules and payment schedule.
A low-income senior in Ontario could receive CPP, OAS, and GIS on July 29, with all three being deposited on the same day.
A working parent in Ontario could have received the CGEB on July 3, the OTB and ACWB on July 10, and the CCB on July 20.
No single payment calendar applies to every person.
Your combination depends on your age, province, income, disability status, family situation, and tax filing history.
Setting up direct deposit through CRA My Account or My Service Canada Account is the fastest way to receive funds.
The July 29 deposit closes out one of the busiest benefit months of the year.
August brings its own round, starting with the CCB on August 20 and CPP and OAS on August 27.
The Alberta Child and Family Benefit will also issue its next quarterly payment on August 27 at the newly indexed rates.
Recipients who have not yet received an expected July payment should verify their account details through the appropriate government portal before contacting the department.
Frequently Asked Questions (FAQs)
Can I receive both federal and provincial disability payments at the same time without one reducing the other?
Ontario, British Columbia, and most other provinces have formally exempted the federal Canada Disability Benefit from provincial income assistance calculations. A single ODSP recipient in Ontario collecting the maximum CDB receives both payments in full with no clawback from either level of government. Alberta has confirmed that CDB payments do not reduce AISH or ADAP benefits either, meaning recipients in all three major provinces can stack both payments without any reduction to their provincial support.
What happens to my GIS if I forgot to file my 2025 tax return before the July deadline?
Service Canada requires a filed and assessed tax return to calculate your GIS entitlement for the new benefit year. If your 2025 return is not on file by the time the July recalculation runs, your GIS payments will be suspended until the CRA processes your return. Filing late does not permanently disqualify you from GIS. Once your return is assessed, Service Canada will recalculate your entitlement and issue any retroactive payments you are owed for the months your benefit was paused.
Will the OAS quarterly increase in October 2026 be larger or smaller than the July increase?
The October 2026 quarterly adjustment depends entirely on the Consumer Price Index data that Service Canada reviews for the measurement period leading into that quarter. The July 1.2% increase was driven by CPI movement between the reference periods used for the spring and summer calculations. Whether October brings a larger, smaller, or zero adjustment is impossible to predict because it requires CPI data that has not yet been published. If the cost of living stays flat or declines, the deflation safeguard ensures OAS rates hold at the July level with no decrease.
Does the new CGEB affect my eligibility for provincial benefits like the Ontario Trillium Benefit?
The CGEB is a tax-free benefit and is not included in your adjusted family net income for calculating other income-tested credits. Receiving CGEB payments does not reduce your OTB, CCB, GIS, or any other benefit that uses AFNI as its eligibility threshold. The CGEB and OTB are administered through entirely separate eligibility assessments, and qualifying for one has no mechanical effect on the calculation of the other. The key factor that affects both programs is your 2025 AFNI as reported on your tax return.
If I moved provinces in 2025 or 2026, which province’s benefits will I receive?
Your December 31 province of residence is used for your tax return, and the CRA initially calculates provincial benefits based on that province. However, CRA-administered provincial benefits are not necessarily locked to that province for the entire benefit year. The CRA instructs recipients to report a change of address because your provincial benefit payments can change based on the province where you currently live. If you moved from Ontario to Alberta, for example, your benefits would eventually switch from Ontario programs like the OTB and Ontario Child Benefit to Alberta programs like the Alberta Child and Family Benefit once the CRA processes your address change. Reporting your move to the CRA promptly ensures your provincial benefits reflect your actual province of residence as quickly as possible.
Fact-checked: All payment dates, benefit amounts, indexation rates, income thresholds, and eligibility requirements in this article are verified against official Canada Revenue Agency, Service Canada, and Government of Canada sources as of July 22, 2026.
Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Benefit amounts shown represent confirmed or projected maximums for recipients who meet full eligibility requirements. Your actual payment may differ based on your income, contribution history, residency, age, family status, and other individual factors. Confirm your specific entitlement directly through CRA My Account or My Service Canada Account.
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