As of July 2025, the Canada Revenue Agency (CRA) and Service Canada are rolling out scheduled increases to five key federal benefits. These changes aim to help Canadians cope with inflation and higher living costs heading into the second half of the year. Here’s a breakdown of the confirmed updates to the OAS, GIS, CPP, GST/HST Credit, CCB, and the new Canada Disability Benefit.
Table of Contents
Old Age Security (OAS) & Guaranteed Income Supplement (GIS) – 1.0% Increase
Effective from July to September 2025, OAS and GIS payments have been increased by 1.0% based on the quarterly indexation tied to inflation. Over the past 12 months, the total increase in benefits now stands at 2.3%. Seniors receiving these benefits will see the updated amount reflected in their July 29 deposit.
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Canada Pension Plan (CPP) – Enhanced Maximum Payouts
Starting July 2025, the final stage of the CPP enhancement rollout increases both the earnings ceiling and the replacement rate. Maximum monthly retirement benefit amounts now range from $899.67 to $1,433, depending on contribution history and retirement age. These increased amounts will be reflected in the July 29 payment for eligible recipients.
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GST/HST Credit – Annual Adjustment for 2025–2026
The GST/HST credit is adjusted annually in July based on your 2024 tax return. The maximum credit amounts for the July 2025 to June 2026 benefit year are:
- $533 for single individuals
- $698 for married or common-law couples
- $184 per child under 19
Payments for the new benefit year begin on July 4, 2025.
Canada Child Benefit (CCB) – Inflation-Indexed Increase
The CCB has been increased for the 2025–2026 benefit year to reflect cost-of-living changes. The first updated payment will be issued on July 18, 2025. Families with children under 18 will receive the revised monthly amount, which varies based on family net income and number of children.
Canada Disability Benefit (CDB) – First Payments Begin
The Canada Disability Benefit officially launches in July 2025. This new monthly, tax-free payment supports working-age Canadians with disabilities. Eligible individuals who applied before June 30 will begin receiving payments of up to $200 per month, or $2,400 per year, starting in July. The rollout is part of the government’s broader effort to reduce poverty among persons with disabilities.
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Summary Table: July 2025 Benefit Updates
| Benefit | What’s Changing | Payment Date |
|---|---|---|
| Old Age Security (OAS) & GIS | 1.0% quarterly increase | July 29, 2025 |
| Canada Pension Plan (CPP) | Increased maximum benefit amounts | July 29, 2025 |
| GST/HST Credit | New indexed amounts for 2025–2026 | July 4, 2025 |
| Canada Child Benefit (CCB) | Inflation-adjusted payment amounts | July 18, 2025 |
| Canada Disability Benefit (CDB) | First federal payments up to $200 per month | Starting July 2025 |
What You Should Do
- File your 2024 taxes if you haven’t already, as most benefit increases are based on your return.
- Check CRA My Account to confirm eligibility and update your banking information for direct deposit.
- Apply for the CDB if you are between the ages of 18 and 64 and have a valid Disability Tax Credit (DTC) certificate.
- Watch for early deposits in July due to weekends or statutory holidays.
These July 2025 updates reflect Canada’s ongoing efforts to strengthen support for seniors, families, low-income workers, and people with disabilities. By staying informed and ensuring your information is current, you can take full advantage of these increased federal benefits.