3 CRA Benefit Payments for Ontario Residents in June 2025
As June 2025 arrives, Ontario residents across urban centers like Toronto and rural communities like Timmins can expect a financial boost from three key Canada Revenue Agency (CRA) benefit payments. These payments—the Canada Child Benefit (CCB), Ontario Trillium Benefit (OTB), and Canada Pension Plan (CPP) with Old Age Security (OAS)—are designed to help families, low- to moderate-income individuals, and seniors manage rising costs for essentials like housing, groceries, and childcare. Here’s a concise guide to these benefits, including eligibility, payment details, and how to ensure you receive them.
1. Canada Child Benefit (CCB)
The CCB is a tax-free monthly payment supporting families with children under 18, helping cover costs like school supplies, childcare, and extracurricular activities. For the 2025–2026 benefit year, payments are based on your 2024 tax return and adjusted family net income.
· Eligibility:
· Canadian citizen, permanent resident, or temporary resident living in Canada for 18+ consecutive months with a valid permit.
· Primary caregiver for a child under 18 (shared custody may split benefits).
· Payment Amounts:
· Up to $7,787 annually (~$649/month) per child under 6.
· Up to $6,570 annually (~$547/month) per child aged 6–17.
· Payment Date: June 20, 2025, via direct deposit or cheque.
· How to Apply: Register via CRA My Account or submit Form RC66. Ensure your tax return is filed, and personal details (e.g., marital status, income) are updated to avoid delays.
The CCB is a lifeline for families, easing financial pressures for summer expenses like camps or back-to-school prep, whether you’re in Ottawa or Kenora.
2. Ontario Trillium Benefit (OTB)
The OTB combines three tax credits—Ontario Energy and Property Tax Credit (OEPTC), Northern Ontario Energy Credit (NOEC), and Ontario Sales Tax Credit (OSTC)—into a single tax-free payment to help low- to moderate-income Ontarians with energy, property taxes, and sales tax costs.
· Eligibility:
· Ontario resident with a valid Social Insurance Number (SIN).
· Filed 2024 tax return (for July 2025–June 2026 payments).
· Meet criteria for at least one credit: paid rent/property taxes, lived in Northern Ontario, or resided in a long-term care facility.
· Payment Amounts:
· OSTC: Up to $371 per adult/child annually.
· OEPTC: Varies by income, housing costs, and family size (up to ~$1,013/year).
· NOEC: Up to $185 (singles) or $285 (families) for Northern Ontario residents.
· Total payments can exceed $2,000 annually for some households.
· Payment Date: June 10, 2025 (monthly, unless total is $360 or less, paid as a lump sum in July).
· How to Apply: File your 2024 tax return and complete Form ON-BEN. Keep records of rent, property taxes, or energy costs, as CRA may request them.
The OTB supports Ontarians in managing daily expenses, especially in high-cost areas like Toronto or energy-intensive Northern regions.
3. Canada Pension Plan (CPP) and Old Age Security (OAS)
Seniors aged 60+ (CPP) and 65+ (OAS) receive these federal payments to support retirement, covering essentials like healthcare and leisure. The CPP is based on work contributions, while OAS depends on residency duration.
· Eligibility:
· CPP: Age 60+ with at least one CPP contribution. Post-retirement contributions can increase payments if working before age 70.
· OAS: Age 65+, with at least 10 years of Canadian residency post-18 (full benefits after 40 years). Low-income seniors may qualify for the Guaranteed Income Supplement (GIS).
· Payment Amounts:
· CPP: Up to $1,433/month (max at age 65, January 2025 rate); average ~$758/month.
· OAS: Up to $727.67/month (ages 65–74) or $800.44/month (75+) for April–June 2025. GIS adds up to $1,086.88/month for low-income seniors.
· Payment Date: June 26, 2025, via direct deposit or cheque.
· How to Apply: Enroll via Service Canada for CPP (online or paper application) and OAS (automatic for most, or apply via My Service Canada Account). Update banking details to ensure timely payments.
These payments provide seniors in places like Kingston or Sudbury with financial stability for a dignified retirement.
Maximizing Your Benefits
To ensure you receive these payments:
· File Your 2024 Taxes: Even with no income, filing is crucial for eligibility.
· Update CRA Records: Keep address, marital status, and banking details current via CRA My Account.
· Set Up Direct Deposit: Faster, secure payments via CRA My Account or the Canada Direct Deposit Enrolment Form.
· Check Eligibility: Use CRA’s Child and Family Benefits Calculator or consult a tax professional for OTB estimates.
