6 New CRA Benefit Payments Coming In July 2026

Last Updated On 28 June 2026, 10:25 AM EDT (Toronto Time)

July 2026 marks the beginning of a new benefit year in Canada, bringing higher CRA benefit payments across nearly every federal support program.

The Canada Revenue Agency and Service Canada are rolling out increased amounts for families, seniors, workers, and people with disabilities starting this month.

A confirmed 2% CRA indexation adjustment raises maximum amounts for most of these benefit payments Canadians rely on.

The newly renamed Canada Groceries and Essentials Benefit officially replaces the GST/HST credit with quarterly payments that are 25% higher than the amounts they replace.

Old Age Security benefits will increase by 1.2% for the July to September 2026 quarter, marking the largest quarterly adjustment of the year so far.

Every income-tested benefit will also be recalculated using 2025 tax return data, which means individual amounts could change based on household income shifts.

Here is a complete breakdown of every federal benefit payment arriving in July 2026, including updated maximums, eligibility details, and exact payment dates.

Canada Groceries And Essentials Benefit (CGEB)

The CGEB officially replaces the GST/HST credit starting with the July 3, 2026 quarterly payment under Bill C-19.

CGEB payments are increased by 25% over the former GST/HST credit plus 2% annual indexation, for a combined boost of approximately 27.5%.

This is not a brand new program but rather the GST/HST credit under a new name with permanently higher payment amounts locked in for five years through 2031.

A single individual qualifying for the maximum will receive $169.75 per quarter, totaling $679 for the 2026-27 benefit year.

That is $146 more annually than the $533 maximum under the old GST/HST credit, representing the largest enhancement to this program in its history.

The first CRA benefit payments under the CGEB arrive on July 3, 2026, and repeat every three months through April 2027.

Family Type	Annual Maximum	Quarterly Payment
Single individual	$679	$169.75
Couple (no children)	$890	$222.50
Couple + 1 child	$1,124	$281.00
Couple + 2 children	$1,358	$339.50
Couple + 3 children	$1,592	$398.00
Couple + 4 children	$1,826	$456.50

Eligibility: You must be a Canadian resident for tax purposes, at least 19 years old, and have filed your income tax return.

Your adjusted family net income must fall below approximately $46,432 for the 2026-27 benefit year to receive the full maximum amount.

Payments phase out at a rate of 5 cents for every dollar of income above the threshold until the benefit reaches zero.

CGEB Payment Dates 2026-2027

July 3, 2026
October 5, 2026
January 5, 2027
April 5, 2027

How To Apply: CRA automatically calculates your entitlement with no separate application required based on your annual income tax return.

Newcomers to Canada who land after the tax season must submit Form RC151 through CRA My Account to apply for the benefit for the first time.

Canada Child Benefit (CCB)

The CCB is also increased by 2% through confirmed CRA indexation for the 2026-27 benefit year starting with the July 20 deposit.

The Canada Child Benefit is a tax-free monthly payment from the CRA to eligible families with children under 18 across Canada.

Starting with the July 20, 2026 deposit, the maximum annual CCB rises to $8,157 for each child under six and $6,883 for each child aged six to 17.

These figures are up from $7,997 and $6,748 respectively during the benefit year that ended in June 2026.

On a monthly basis, families receiving the full maximum will see approximately $13.34 more per child under six and $11.25 more per child aged six to 17.

The first income threshold rises from $37,487 to $38,237, and the second threshold increases from $81,222 to $82,847 for the new benefit year.

Families with adjusted family net income below $38,237 receive the full maximum for all their eligible children in 2026-27.

A family with two children under six receiving the full maximum will see their combined annual benefit increase from $15,994 to $16,314.

Eligibility: You must live with the child, be their primary caregiver, and be a Canadian citizen, permanent resident, or qualifying temporary resident.

You or your spouse must have filed your 2025 tax return for the CRA to calculate your July 2026 to June 2027 benefit amounts.

CCB Payment Dates 2026-2027

July 20, 2026
August 20, 2026
September 18, 2026
October 20, 2026
November 20, 2026
December 11, 2026
January 20, 2027
February 19, 2027
March 19, 2027
April 20, 2027
May 20, 2027
June 18, 2027

How To Apply: Register for the CCB through the CRA My Account or by completing Form RC66 when your child is born or when you become their primary caregiver.

Advanced Canada Workers Benefit (ACWB)

The Canada Workers Benefit (CWB) basic amount and disability supplement both increased by 2% under CRA indexation for the 2026 tax year.

The CWB is a refundable tax credit for low-income workers who earned at least $3,000 in employment or self-employment income.

The Advanced Canada Workers Benefit allows eligible workers to receive up to 50% of their estimated annual CWB in three advance installments throughout the year.

For 2026, the maximum basic CWB is $1,665 for single individuals, up $32 from $1,633 in the previous year.

The maximum benefit for families increases to $2,869, up $56 from $2,813 in 2025.

The CWB disability supplement rises to $860, a $17 increase from $843, for workers who hold a valid Disability Tax Credit certificate.

Each advance installment is approximately one third of the 50% entitlement, meaning a single worker qualifying for the full maximum could receive roughly $277 per payment.

The remaining 50% of your CWB is settled when you file your 2026 tax return in spring 2027.

Eligibility: You must have earned at least $3,000 in working income, be a Canadian resident for tax purposes, and be at least 19 years old.

Your net income must fall below the applicable threshold for your family type to receive any benefit amount.

ACWB Payment Dates 2026-2027

July 10, 2026
October 9, 2026
January 11, 2027.

How To Apply: The CRA automatically enrolls eligible filers and calculates advance payments based on your most recent tax return.

Canada Disability Benefit (CDB)

The CDB payment is a monthly income support program for Canadians aged 18 to 64 who hold a valid Disability Tax Credit certificate.

The maximum monthly Canada Disability Benefit rises from $200 to $204.20 for the July 2026 to June 2027 benefit period, or up to $2,450.40 annually.

The income threshold for receiving the full benefit increases from $23,000 to $23,460 for single individuals under the same 2% indexation.

For every dollar of income above the threshold after applying the working income exemption, your CDB is calculated with a reduction of 20 cents.

The working income exemption also increases to $10,210 for single recipients and $14,294 for couples.

The CDB is not taxable, does not need to be reported on your annual tax return, and does not reduce provincial disability support in most provinces.

Eligibility: You must hold a valid DTC certificate, be between 18 and 64 years old, and be a Canadian resident for tax purposes.

Both you and your spouse must file your annual tax return to maintain eligibility and accurate payment calculations.

CDB payment dates 2026-2027

July 16, 2026
August 20, 2026
September 17, 2026
October 15, 2026
November 19, 2026
December 17, 2026
January 21, 2027
February 18, 2027
March 18, 2027
April 15, 2027
May 21, 2027
June 17, 2027

How To Apply: Apply online through the Service Canada portal, in person at any Service Canada Centre, or by phone through the dedicated CDB line.

Old Age Security (OAS) Pension

Increased: Yes. OAS pension payments increase by 1.2% for the July to September 2026 quarter, the largest quarterly bump of 2026.

The maximum monthly OAS pension rises from $743.05 to approximately $751.97 for seniors aged 65 to 74.

Seniors aged 75 and older will see their maximum increase from $817.36 to approximately $827.17 per month, reflecting both the quarterly CPI adjustment and the permanent 10% enhancement.

The first payment at the new rate arrives on July 29, 2026, following the final June deposit at the previous quarter’s rates.

Year over year, OAS is up 2.3% from July 2025 to July 2026, layered across four separate quarterly reviews since the April 2026 increase.

Seniors who do not receive the full OAS because they have fewer than 40 years of Canadian residence still receive the 1.2% increase proportionally on their partial amount.

The OAS recovery tax threshold for the July 2026 to June 2027 period is based on 2025 income above $93,454.

Seniors can defer OAS up to age 70 for a permanent 0.6% monthly increase, reaching a maximum 36% boost for those who wait until their 70th birthday.

Eligibility: You must be 65 or older, a Canadian citizen or legal resident, with at least 10 years of Canadian residence after age 18 for a partial pension.

Forty years of residence after age 18 qualifies you for the full maximum amount.

OAS Payment Dates 2026-2027

July 29, 2026
August 27, 2026
September 25, 2026
October 28, 2026
November 26, 2026
December 22, 2026
January 28, 2027
February 24, 2027
March 26, 2027
April 28, 2027
May 27, 2027
June 25, 2027

How To Apply: Most eligible seniors are automatically enrolled and receive a notification letter around their 64th birthday from Service Canada.

Guaranteed Income Supplement (GIS)

Increased: Yes. GIS rises 1.2% in the July to September quarter, and July also brings the annual GIS recalculation based on your 2025 tax return.

The GIS is a tax-free monthly payment for low-income seniors who already receive the OAS pension.

The maximum GIS for a single senior rises from $1,109.85 to approximately $1,123.17 per month under the quarterly CPI adjustment.

For couples where both spouses receive full OAS, the maximum GIS rises from $668.08 to approximately $676.10 per person.

A single low-income senior collecting full OAS and maximum GIS could receive up to $1,875 per month in combined government retirement income.

July is critical for GIS because Service Canada recalculates your benefit using your 2025 tax return, which means your payment could change in two separate ways.

Seniors who did not file their 2025 tax return by April 30, 2026 risk having their GIS payments suspended until Service Canada receives their income information.

GIS is reduced by $1 for every $2 of annual income other than OAS, creating a 50% reduction rate as income rises above zero.

Eligibility: You must be receiving OAS, your annual net income must fall below the maximum threshold, and you must file your tax return annually.

GIS Payment Dates 2026-2027

July 29, 2026
August 27, 2026
September 25, 2026
October 28, 2026
November 26, 2026
December 22, 2026
January 28, 2027
February 24, 2027
March 26, 2027
April 28, 2027
May 27, 2027
June 25, 2027

How To Apply: Some seniors are automatically enrolled for GIS based on their income, but you can also apply through My Service Canada Account or by mail.

Canada Pension Plan (CPP)

Increased In July: No. CPP payments do not increase in July because CPP payment increase adjustments happen only once per year in January.

The maximum CPP retirement pension at age 65 remains $1,507.65 per month under the 2% indexation that took effect in January 2026.

The average monthly CPP retirement payment for new beneficiaries starting at age 65 is $925.35, meaning most recipients receive well below the maximum.

CPP benefits are indexed annually using the 12-month Consumer Price Index average, and this annual adjustment becomes the permanent baseline for future increases.

Unlike OAS which adjusts quarterly, CPP uses a single annual review cycle, so the amount you receive in July is the same as what you received in January 2026 payments.

The year’s maximum pensionable earnings for 2026 are $74,600, and the year’s additional maximum pensionable earnings under the CPP enhancement are $85,000 as confirmed on the official CPP amounts page.

Starting CPP before age 65 reduces your monthly amount by 0.6% for each month of early collection, while delaying past 65 increases it by 0.7% per month.

The maximum increase for deferral is 42% at age 70, making timing one of the most important decisions for retirement planning.

Your CPP amount depends on your contribution history, how long you paid into the plan, and the age at which you began collecting benefits.

Eligibility: You must have made at least one valid CPP contribution during your working years and be at least 60 years old to begin collecting.

CPP Payment Dates 2026-2027

July 29, 2026
August 27, 2026
September 25, 2026
October 28, 2026
November 26, 2026
December 22, 2026
January 28, 2027
February 24, 2027
March 26, 2027
April 28, 2027
May 27, 2027
June 25, 2027

How To Apply: Apply through My Service Canada Account online or submit a paper application to Service Canada at least six months before you want payments to begin.

Canadian Dental Care Plan (CDCP)

The CDCP is a federal dental insurance program that covers diagnostic, preventive, restorative, and surgical dental services for eligible residents.

The 2026-2027 CDCP benefit year opens July 1, 2026, with renewed coverage for all eligible Canadians of all ages.

Unlike other benefits listed here, the CDCP is not a direct cash payment but rather a dental coverage plan administered by Sun Life on behalf of Health Canada.

Eligible Canadians save an average of $900 per year on dental care through the plan, according to federal government data.

Coverage is available at three tiers based on income, with families under $70,000 paying zero copay and the plan covering 100% of eligible costs.

Families earning between $70,000 and $79,999 pay a 40% copay, while those earning $80,000 to $89,999 pay a 60% copay on covered services.

The CDCP renewal period for existing members ran from April 15 to June 1, 2026. Members who did not renew by the deadline can reapply but may experience a gap in coverage.

Coverage must be renewed every year, and the renewal deadline for the current cycle was June 1, 2026.

Eligibility: Your adjusted family net income must be under $90,000, you must have no access to private dental insurance, and you must have filed your 2025 tax return.

Benefit Period: July 1, 2026, through June 30, 2027.

How To Apply: Submit your application online at Canada.ca/dental, through your My Service Canada Account, or by calling 1-833-537-4342.

Ontario Trillium Benefit (OTB)

Several OTB component maximums have also increased through 2% annual indexation for the July 2026 to June 2027 benefit year.

The OTB combines the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit into one monthly deposit.

The Ontario Sales Tax Credit maximum rises to $378 per year for each adult and each child, up from $371 in the previous benefit year.

The Ontario Energy and Property Tax Credit maximum for adults aged 18 to 64 increases to approximately $1,307, while seniors aged 65 and over can receive up to $1,488.

Ontario families must have completed Form ON-BEN when filing their tax return to apply for the energy and property tax credit components.

Recipients with an annual entitlement of $360 or less receive the entire OTB as a single lump-sum payment in July rather than monthly installments.

Payment Dates:

July 10, 2026
August 10, 2026
September 10, 2026
October 9, 2026
November 10, 2026
December 10, 2026
January 8, 2027
February 10, 2027
March 10, 2027
April 9, 2027
May 10, 2027
June 10, 2027

How To Apply: File your Ontario tax return with Form ON-BEN completed and the CRA automatically assesses your eligibility.

July 2026 CRA Benefit Payments At A Glance

The following table summarizes every major federal benefit program that is increasing or being recalculated in July 2026.

Benefit program	Payment date	July 2026 increase	Previous amount	Increase
Canada Groceries and Essentials Benefit	July 3	$169.75 quarterly	$133.25 quarterly	25% + indexation
Advanced Canada Workers’ Benefit	July 10	About $277 advance	About $272 advance	2%
Ontario Trillium Benefit	July 10	Up to $378 yearly OSTC	Up to $371 yearly OSTC	2%
Canada Disability Benefit	July 16	$204.20 monthly	$200 monthly	2%
Canada Child Benefit	July 20	$679.75 monthly for children under 6; $573.58 monthly for children aged 6 to 17	$666.42 monthly; $562.33 monthly	2%
Old Age Security	July 29	$751.97 monthly for ages 65 to 74; $827.17 monthly for ages 75 and older	$743.05 monthly; $817.36 monthly	1.2%
Guaranteed Income Supplement	July 29	About $1,123 monthly maximum for singles	$1,109.85 monthly maximum	1.2%
Canada Pension Plan	July 29	$1,507.65 monthly maximum at age 65	$1,507.65 monthly maximum at age 65	No July increase

All amounts shown represent the confirmed maximum for recipients who meet full eligibility requirements and have the lowest qualifying income levels.

Direct deposit recipients typically receive funds on the morning of each scheduled date as confirmed on the official benefits payment calendar.

Canadians who receive payments by cheque should allow five to ten additional business days for mail delivery after each official date.

How To Maximize Your July 2026 Benefits

Filing your 2025 tax return is the single most important action because every income-tested benefit resets in July based on that return.

Setting up direct deposit through CRA My Account or My Service Canada Account ensures you receive funds on the scheduled payment date without mail delays.

Report changes in marital status, number of children, or address to the CRA promptly to avoid overpayments that will need to be repaid later.

Low-income seniors should verify their GIS status before July 29 because the annual recalculation can significantly change their monthly amount.

Workers who earned at least $3,000 should confirm their CWB eligibility and watch for advance payments under the ACWB schedule.

Comparing your CPP and OAS deposits from June to July helps you spot any unexpected changes from quarterly adjustments or annual recalculations.

July 2026 is the single most consequential month of the benefit year because nearly every federal program resets, recalculates, or increases at the same time.

Your 2025 tax return is the common thread connecting every payment on this list, and failing to file it is the fastest way to lose money you are already entitled to.

Bookmark this benefits payment calendar and check your accounts before each scheduled date to confirm your amounts reflect the new 2026-27 rates.

Frequently Asked Questions (FAQs)

How much will CRA benefit payments increase in July 2026?

Most federal benefits increase by 2% through CRA indexation starting in July 2026, raising the Canada Child Benefit maximum to $8,157 per child under six and $6,883 for children aged six to 17. The Canada Groceries and Essentials Benefit increases by a combined 27.5% over the former GST/HST credit, delivering up to $169.75 per quarter for singles and $339.50 for a family of four. Old Age Security rises 1.2% for the July to September quarter, pushing the maximum to approximately $751.97 for seniors aged 65 to 74 and $827.17 for those 75 and older. The Canada Disability Benefit increases from $200 to $204.20 per month, while CPP does not increase in July because it is indexed once annually in January.

What are the exact payment dates for all Canada benefits in July 2026?

The Canada Groceries and Essentials Benefit deposits on July 3, followed by the Advanced Canada Workers Benefit and Ontario Trillium Benefit on July 10. The Canada Disability Benefit arrives on July 16, and the Canada Child Benefit lands on July 20. The Canada Pension Plan, Old Age Security, and Guaranteed Income Supplement all deposit together on July 29, which is also when the 1.2% OAS quarterly increase and the annual GIS recalculation based on 2025 tax returns take effect for the first time.

What is the new Canada Groceries and Essentials Benefit replacing the GST/HST credit in July 2026?

The Canada Groceries and Essentials Benefit officially replaces the GST/HST credit starting July 3, 2026, under Bill C-19 which received Royal Assent on February 12, 2026. The program keeps the same eligibility rules, quarterly schedule, and CRA income-testing formula but increases all payment amounts by 25% for five consecutive years through 2031. A single individual can receive up to $679 annually, while a couple with two children can receive up to $1,358, and no separate application is required beyond filing your annual tax return. The CRA automatically calculates entitlement using your 2025 tax return, and payments phase out once adjusted family net income exceeds approximately $46,432.

Why does CPP not increase in July 2026 when OAS does?

CPP and OAS operate on completely different indexation schedules set by separate federal legislation. CPP adjusts once per year every January based on the 12-month Consumer Price Index average, and the 2% increase that took effect in January 2026 remains the fixed rate through December 2026 with no mid-year adjustments. OAS uses a faster quarterly review cycle in January, April, July, and October that compares recent three-month CPI averages, allowing it to respond to inflation changes four times per year. The July 2026 OAS increase of 1.2% is the third quarterly adjustment of the year and the largest single bump of 2026, while the maximum CPP retirement pension stays at $1,507.65 per month until the next annual reset in January 2027.

Can you receive the Canada Disability Benefit and ODSP at the same time in July 2026?

Yes, Ontario has formally exempted Canada Disability Benefit payments as income for social assistance purposes, which means ODSP recipients can collect both benefits in full without any reduction to their provincial support. A single ODSP recipient who also qualifies for the maximum CDB will receive up to $1,608 per month from these two programs combined starting in July 2026 when the CDB increases to $204 per month. The CDB is not taxable and does not need to be reported on your annual tax return, and most other provinces, including British Columbia and Alberta, have also confirmed that CDB payments do not reduce their provincial disability programs.

Fact-Checked: All payment amounts, quarterly adjustment percentages, income thresholds, indexation rates, and payment dates in this article have been verified against official Government of Canada, CRA, and Service Canada sources as of June 2026.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice.

Gagandeep Kaur Sekhon

Gagandeep Kaur Sekhon moved to Canada in 2010 on a study visa. She navigated through the ups and downs of her student life and gained her permanent residency in 2015. Today, she is a proud Canadian citizen residing in Calgary, Alberta. She is mother of 2 beautiful daughters and making her difference through writing and guidance at INC – Immigration News Canada.