A number of federal payments are on the way for those who qualify for the month of July.
The federal payments include the Canada Disability Benefit, Goods and Services Tax / harmonized sales tax (GST/HST) credit, Canada Child Benefit (CCB) and Advanced Canada Workers Benefit (ACWB).
GST/HST credit
The first payment of the month is the GST/HST payment on July 4. The credit is a tax-free quarterly payment that helps offset sales taxes for low- and modest-income Canadians.
Eligibility is automatic for individuals who file a tax return. The amount is based on family net income and the number of children under 19.
Maximum annual amounts for the current payment cycle, based on 2023 income, are: $519 for a single adult; $680 for a married or common-law couple; $179 for each child.
Parents in shared custody may each receive half of the child-related portion. Universal Child Care Benefit and Registered Disability Savings Plan income is excluded from the income calculation.
Advanced Canada Workers Benefit
The ACWB is the next payment on the way, hitting bank accounts on July 11.
Individuals who file a tax return are automatically eligible. According to the government of Canada, you are eligible for the basic amount of the CWB if you meet all the following conditions:
- Earn a working income, and your net income is below the net income level set for your province or territory of residence.
- Are a resident of Canada throughout the year.
- Are 19 years of age or older on December 31, or you live with your spouse or common-law partner or your child.
The maximum basic amount for the CWB is $1,590 for single individuals or $2,739 for families. The maximum amount for the disability supplement is $821 for single individuals and $821 for families.
Canada Disability Benefit
July 17 is when those who qualify will receive the Canada Disability Benefit.
To qualify for the benefit, you must be between 18 and 64 years old, you must have been approved for the disability tax credit, you and your spouse or common-law partner (if applicable) must have filed your 2024 federal income tax return and you must be a Canadian resident for income tax filing purposes.
According to the federal government, benefit amounts are based on your adjusted family net income. To apply, click HERE.
Canada Child Benefit
The Canada Child Benefit is a tax-free monthly payment administered by the Canada Revenue Agency to help families with the cost of raising children under the age of 18.
Payments are based on adjusted family net income from the previous year and are recalculated annually in July.
For the period from July 2024 to June 2025, the maximum monthly amounts are: $648.91 for each child under six years old; $547.50 for each child aged six to 17 years old.
The full amount is available to families with an adjusted net income of $36,502 or less. Payments are gradually reduced for households above that threshold, with further reductions applied beyond $79,087.
Only one parent may receive the benefit per household. In shared custody situations—defined as a child living 40 to 60 per cent of the time with each parent—both parents may receive 50 per cent of the calculated payment.
Some other payments that are on the way include the Canada Pension Plan, Old Age Security and Veteran Disability Pension.
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