4 separate Canada Revenue Agency – CRA benefit payments are scheduled for November 2026, putting tax-free money into the accounts of Canadian families, low-income Ontario residents, Newfoundland and Labrador residents with disabilities, and Alberta households.
The deposits land across 4 distinct dates this month, beginning with the Ontario Trillium Benefit on November 10 and wrapping up with the Alberta Child and Family Benefit on November 27.
Every dollar amount listed below reflects the current 2026–27 benefit year, which runs from July 2026 through June 2027 and is calculated from your 2025 income tax return.
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Ontario Trillium Benefit
Eligible Ontario residents receiving monthly instalments will see their Ontario Trillium Benefit payment deposited on Tuesday, November 10, 2026.
The OTB bundles three separate provincial credits into a single deposit administered by the CRA on behalf of the Ontario government.
Recipients whose annual OTB entitlement is $500 or less generally received their payment in July 2026.
Those who elected to receive an annual entitlement exceeding $500 as a single payment will instead receive it on June 10, 2027.
Neither group normally receives a monthly OTB deposit in November.
Maximum OTB Amounts for the 2026–27 Benefit Year
| Credit | Category | Annual Maximum |
| Ontario Sales Tax Credit (OSTC) | Per eligible person | $378 |
| OEPTC (non-senior) | Ages 18–64 | $1,307 |
| OEPTC (senior) | Ages 65+ | $1,488 |
| OEPTC (reserve/long-term care) | All ages | $290 |
| Northern Ontario Energy Credit (NOEC) | Single, no children | $189 |
| NOEC | Couple or single parent | $290 |
A single senior homeowner in Northern Ontario qualifying for maximums across all three credits could receive up to $2,055 per year, combining the $378 OSTC, $1,488 senior OEPTC, and $189 single-person NOEC.
The OSTC does not require any additional application beyond filing your annual income tax return.
The OEPTC and NOEC, however, require you to complete Form ON-BEN when filing your return.
Without that form completed, eligible residents will not receive the OEPTC or NOEC portions of their OTB, even if they qualify based on income.
How the OTB Phase-Out Works
The OSTC phases out at 4% of adjusted family net income above the threshold, while the OEPTC phases out separately at 2%.
OEPTC reduction thresholds vary by family situation; for example, $29,047 for a single non-senior, $36,309 for a married non-senior, and $43,571 for a married senior in the 2026–27 benefit year.
The NOEC uses its own separate income thresholds: $50,833 for a single individual with no children and $65,356 for couples and single parents, with a 1% reduction rate.
OTB Payment Dates 2026-2027
- November 10, 2026
- December 10, 2026
- January 8, 2027
- February 10, 2027
- March 10, 2027
- April 9, 2027
- May 10, 2027
- June 10, 2027 (final payment of the 2026–27 benefit year)
If your OTB payment does not arrive on the scheduled date, the CRA advises waiting 10 working days before contacting them.
Canada Child Benefit
Families across Canada with children under 18 will receive their Canada Child Benefit payment on Friday, November 20, 2026.
The November deposit continues the 2026–27 benefit year amounts that took effect with the July 2026 increase, which raised CCB maximums by 2% under the CRA’s annual inflation indexation.
Updated CCB Maximum Amounts
| Child’s Age | Maximum Annual Amount | Maximum Monthly Amount |
| Under 6 | $8,157 | $679.75 |
| Ages 6 to 17 | $6,883 | $573.58 |
Families with an adjusted family net income below $38,237 in 2025 receive the full maximum amount for each eligible child.
CCB payments gradually decrease when your adjusted family net income rises above that threshold.
The second reduction tier above $82,847 uses lower marginal percentages; for example, 3.2% for one child, which means the benefit reduces more gradually at higher income levels.
Child Disability Benefit
Families with a child who qualifies for the Disability Tax Credit may also receive the Child Disability Benefit alongside their CCB deposit.
For the 2026–27 benefit year, the Child Disability Benefit provides up to $3,480 per year, or $290 per month, for each eligible child.
Provincial and Territorial Child Benefits
Depending on where you live, your November 20 CCB deposit may also include provincial or territorial child benefit payments bundled into the same transfer.
The Ontario Child Benefit, BC Family Benefit, Nova Scotia Child Benefit, and several other provincial programs are included with the CCB payment for most provinces.
Alberta and Quebec operate their own child benefit payment schedules and are not bundled with the federal CCB deposit.
How to Apply for the CCB
The CCB is not automatically assigned when you file a tax return.
You must initially apply through your province or territory’s birth registration or Automated Benefits Application, through CRA My Account, or by submitting Form RC66 by mail.
Once enrolled, the CRA recalculates your entitlement each July based on the previous year’s income tax return.
Newcomers to Canada should submit both Form RC66 and the applicable schedule (RC66SCH) to the CRA as soon as they become eligible.
Remaining CCB Payment Dates
- November 20, 2026
- December 11, 2026
If your CCB payment does not arrive, the CRA recommends waiting five working days after the scheduled date before making an inquiry.
Newfoundland and Labrador Disability Benefit
Eligible Newfoundland and Labrador residents with disabilities will receive their monthly Newfoundland and Labrador Disability Benefit payment on Wednesday, November 25, 2026.
The NLDB is a provincial benefit fully funded by the Government of Newfoundland and Labrador and administered by the CRA.
It provides up to $400 per month or $4,800 per year to qualifying residents between the ages of 18 and 64 who hold a valid Disability Tax Credit certificate.
The full $400 monthly amount is available where adjusted family net income is below $29,402.
In families where both spouses or common-law partners qualify for the DTC, each partner can receive the full NLDB amount, effectively bringing the combined household benefit to $800 per month.
How to Receive the NLDB
There is no separate application form for the NLDB.
Qualifying residents must file their income tax return, hold a valid DTC certificate, and be a resident of Newfoundland and Labrador on the first day of the payment month.
Once a tax return has been filed and a DTC certificate is approved, the first NLDB payment typically arrives on the next scheduled payment date.
Residents who recently moved to Newfoundland and Labrador from another province will begin receiving payments on the next available payment date after their move, not retroactively.
Remaining NLDB Payment Dates for 2026
- November 25, 2026
- December 24, 2026
Alberta Child and Family Benefit
Alberta families with children under 18 will receive their fourth and final quarterly Alberta Child and Family Benefit instalment of 2026 on Friday, November 27.
The ACFB is a tax-free payment administered by the CRA on behalf of the Province of Alberta and does not arrive with the CCB deposit.
Eligible families can receive a base benefit of up to $1,529 per year for the first child, with up to $764 for each additional child under 18, up to four children.
The ACFB also includes a working income component that provides up to $782 for the first child, gradually declining for additional children.
Both components phase out as adjusted family net income rises, and the CRA uses your annual income tax return to determine eligibility and payment amounts.
There is no separate ACFB application required. The CRA automatically considers Alberta residents for the benefit when they file their annual tax return and qualify for the Canada Child Benefit, subject to the program’s income requirements.
ACFB Payment Dates for 2026
- February 27, 2026
- May 27, 2026
- August 27, 2026
- November 27, 2026 (final instalment of 2026)
November 2026 CRA Benefit Payment Dates At A Glance
| Benefit | Payment Date | Maximum Amount | Frequency |
| Ontario Trillium Benefit (OTB) | November 10, 2026 | Up to $2,055 (senior, Northern ON) | Monthly |
| Canada Child Benefit (CCB) | November 20, 2026 | $679.75/month (under 6) | Monthly |
| NL Disability Benefit (NLDB) | November 25, 2026 | $400/month | Monthly |
| Alberta Child and Family Benefit (ACFB) | November 27, 2026 | Up to $2,311/year (1 child) | Quarterly |
November 2026 delivers four confirmed CRA-administered benefit payments that collectively put tax-free money into the accounts of millions of Canadian families.
Ontario residents on the monthly payment schedule will receive their OTB deposit first on November 10, followed by the national CCB payment on November 20.
Newfoundland and Labrador residents who hold a valid DTC will receive their NLDB payment on November 25, and Alberta families close out the month with their final quarterly ACFB installment on November 27.
The amounts flowing through these four programs reflect the current 2026–27 benefit rates, including inflation-adjusted increases to several payment maximums and income thresholds, while the Newfoundland and Labrador Disability Benefit continues to provide up to $400 per month.
Keeping your tax filings current, your CRA profile updated, and your direct deposit active are the most reliable steps to ensure every scheduled deposit reaches your account without delay.
Frequently Asked Questions (FAQs)
What happens if my November 10 Ontario Trillium Benefit payment does not arrive?
The CRA advises waiting 10 working days after the scheduled payment date before contacting them about a missing OTB deposit. You can check your payment status through CRA My Account under the benefits and credits section or call the CRA benefits line at 1-800-387-1193. Direct deposit recipients generally receive payments faster than those waiting for a mailed cheque, and switching to direct deposit through your financial institution or CRA My Account can help prevent future delays.
Can I receive both the Ontario Trillium Benefit and the Canada Child Benefit in November 2026?
Yes, Ontario families can receive both payments in November 2026 because they are separate CRA-administered programs with different eligibility criteria and payment schedules. The OTB arrives on November 10 based on your Ontario residency and income, while the CCB arrives on November 20 based on having eligible children under 18 in your care. Each benefit is calculated independently from your 2025 tax return, and qualifying for one does not affect your eligibility for the other. Some Ontario families may also receive the Ontario Child Benefit bundled into their November 20 CCB deposit.
Do I need to apply separately for the Newfoundland and Labrador Disability Benefit?
No separate application form is required for the NLDB. The CRA automatically determines your eligibility once you have filed your income tax return and hold a valid Disability Tax Credit certificate. You must also be a resident of Newfoundland and Labrador on the first day of the payment month and be between the ages of 18 and 64. If both spouses in a household qualify for the DTC, each partner can receive the full $400 per month independently, bringing the combined household benefit to $800 per month.
Why does the Alberta Child and Family Benefit arrive separately from the Canada Child Benefit?
The ACFB and CCB are two distinct programs with different payment schedules, even though both support families with children. The CCB is a federal monthly payment issued on or around the 20th of each month, while the ACFB is a provincial quarterly payment funded by the Alberta government and administered by the CRA. Alberta chose to deliver its child benefit on a separate quarterly schedule — February, May, August, and November — rather than bundling it with the federal CCB deposit the way most other provinces do with their provincial child benefits.
How is my November Canada Child Benefit amount calculated if my income changed significantly in 2025?
Your November 2026 CCB payment is locked to your 2025 adjusted family net income, which the CRA assessed when it recalculated benefit amounts in July 2026. If your 2025 income was substantially higher or lower than your 2024 income, your monthly CCB amount would have shifted starting with the July 2026 payment and will continue at that level through June 2027. Any income change during 2026 will not affect your current CCB payments — it will only be reflected starting July 2027 when the CRA recalculates using your 2026 tax return. If your family circumstances changed during the year, reporting those updates to the CRA promptly can trigger a mid-year recalculation.
Fact-Checked: All benefit payment dates, maximum amounts, and eligibility criteria cited in this article were verified against the official CRA benefit payment dates page and the Government of Canada benefits payment calendar as published on Canada.ca in late October 2026.
Disclaimer: This article is for informational purposes only and does not constitute financial or tax advice. Individual benefit amounts depend on personal circumstances including income, family size, and residency status. Readers should consult a qualified tax professional or review the official CRA benefits and credits pages on Canada.ca for guidance specific to their situation.
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