As we approach November 2025, millions of Canadians will receive vital government benefit payments designed to support families, seniors, low-income workers and those with disabilities.
Understanding when these payments land—and whether you’re eligible—is crucial to making sure your finances stay on track heading into the year-end.
Below is a clear overview of 7 major benefit payments to watch this November, with dates, eligibility highlights and tips for claimants.
1. Canada Child Benefit (CCB)
- The CCB is a tax-free monthly payment for eligible Canadian families caring for children under age 18. Payment for November 2025 is set for November 20 2025.
- Amount: For the 2025-26 benefit year, families earning under specified income levels may receive up to $7,787/year per child under 6, or up to $6,570/year per child aged 6-17.
- Eligibility: You must live with and primarily care for the child, file your 2024 tax return and meet residency/citizenship conditions.
- Tip: Make sure your tax return and banking details are up to date so the deposit isn’t delayed.
2. Ontario Trillium Benefit (OTB)
- For residents of Ontario, the OTB combines three provincial credits (energy/property tax, northern energy credit, sales tax credit) and is paid monthly. Payment date for November 2025: November 10 2025.
- Amount: For example, the Ontario Energy & Property Tax Credit component can be up to around $106.91/month (ages 18-64) or up to $121.75/month (65+) in November.
- Eligibility: Must reside in Ontario, meet income thresholds, and you or your spouse/partner must file the required tax return.
- Tip: If you’ve recently moved or changed banking details, update CRA as soon as possible.
3. Canada Disability Benefit (CDB)
- A newer benefit for working-age Canadians (18-64) approved under the Disability Tax Credit. Payment date for November 2025: November 20 2025.
- Amount: Maximum monthly is around $200, though actual amount depends on income and household situation.
- Eligibility: Approved for the Disability Tax Credit, filed 2024 tax return, meet residency/age criteria and other conditions.
- Tip: If you have yet to apply or await approval, ask about retroactive payments when approved.
4. Canada Pension Plan (CPP)
- Monthly pension for Canadians who contributed during their working years. Payment date for November 2025: November 26 2025.
- Amount: Varies by individual contribution history; maximum around $1,433/month for those starting at age 65 as of 2025.
- Eligibility: Generally, you must have made valid CPP contributions, meet age criteria (or disability/survivor rules).
- Tip: Check your MyServiceCanada account to view your entitlement and confirm banking details.
5. Old Age Security (OAS) and Guaranteed Income Supplement (GIS)
- For those aged 65+, OAS provides a base pension; GIS adds extra support for low-income seniors. Payment date for November 2025: November 26 2025.
- Amount: Maximum OAS for ages 65-74 was around $707.67/month in 2025 according to one source.
- Eligibility: Must be 65 or older, meet residence/citizenship requirements (lived in Canada for a minimum number of years), file required tax returns.
- Tip: If you’re nearing 65, start filing tax returns and updating info ahead of your first payment to avoid delays.
6. Veteran Disability Pension
- A tax-free monthly payment for former military personnel with service-related disabilities. Payment date for November 2025: November 27 2025.
- Amount: Depends on disability class and dependants; highest amounts can be over $3,400/month for most severe class.
- Eligibility: Must meet criteria through Veterans Affairs Canada, including medical documentation of service-related condition.
- Tip: Ensure your Service Canada/Veterans Affairs account is up to date for direct deposit and benefit tracking.
7. Alberta Child and Family Benefit (ACFB)
- For families in Alberta with children under 18 and moderate/low household income. Payment date for November 2025: November 27 2025.
- Amount: For example, quarterly payments in 2025 may be around $566.50 (first child) + lower amounts for additional children.
- Eligibility: Resident of Alberta, file provincial tax, meet income thresholds and have eligible children under 18.
- Tip: If you move out of Alberta, check how benefit may be affected or transferred.
Key Takeaways & Pro Tips
- Mark your calendar with payment dates: November 10 (OTB), November 20 (CCB + CDB), November 26/27 (CPP, OAS, Veterans, ACFB).
- Direct deposit is fastest—if you still receive cheques by mail, expect extra delay.
- To keep payments flowing, file your income tax return annually (even if you had no income) and update banking or address changes promptly.
- Some benefits may increase with cost-of-living adjustments; others are income-tested or require new eligibility.
- Always check official sources (e.g., the Canada Revenue Agency (CRA) or Service Canada) for confirmation and avoid misinformation.
November 2025 will deliver a series of important benefit payments for many Canadians—whether you’re a parent caring for children, a senior relying on pension income, a person living with a disability, a veteran or a low-income worker.
Understanding when payments are scheduled and what you must do to be eligible can make a significant difference in your financial planning.
By staying on top of tax-filing requirements, bank details and benefit schedules, you can help ensure that you receive the support to which you’re entitled—on time and without disruption.
FAQs
What if I don’t receive a payment on the expected date?
Wait at least five business days past the scheduled date for direct deposit (or ten days for mailed cheque, depending on the benefit). If still not received, contact CRA or the administering agency.
Can I apply for multiple benefit programs in the same month?
Yes. Many payments (e.g., CCB, OTB, ACFB) co-exist. Eligibility is separate for each, based on your personal/family situation. If you qualify, you can receive more than one.
Does receiving one benefit affect my other benefit payments?
It depends. Some benefits (e.g., income-tested ones like GIS or the CDB) are reduced if your income is higher. Others, like OAS or CCB, may not directly reduce if you meet eligibility. Review each program’s rules.