The Canada Revenue Agency (CRA) is offering a $3,900 monthly payment to eligible Canadians in 2025 as part of a major government financial support initiative. This aid is meant to help individuals and families handle rising living costs by combining several federal benefits into one powerful financial package.
If you’re wondering whether you qualify, when you’ll get paid, or how to apply, this guide covers all the details you need.
Let’s break down eligibility, payment schedules, and how to apply so you can make the most of this benefit.
Table of Contents
Overview
The $3,900 monthly payment isn’t a single check. Instead, it’s made up of several CRA-administered programs rolled together. These include:
- Canada Child Benefit (CCB)
- Old Age Security (OAS) and Guaranteed Income Supplement (GIS)
- Canada Workers Benefit (CWB)
- Disability Benefits
The amount you receive depends on your eligibility under each of these programs. Some people may only qualify for one, while others might receive a combination that totals up to $3,900 monthly.
| Feature | Details |
|---|---|
| Monthly Amount | Up to $3,900 |
| Based On | Income, residency, family size, program |
| Payment Frequency | Monthly |
| Key Programs | CCB, OAS, GIS, CWB, Disability Benefits |
| Application Method | Online, mail, or through tax professionals |
| CRA Website | Visit CRA Official Site |
Eligibility
Each benefit included in the $3,900 monthly total has its own rules. Here’s a quick breakdown of the main ones.
Canada Child Benefit (CCB)
- Be the main caregiver of a child under 18
- Be a resident of Canada for tax purposes
- Meet the income requirement
- Child must live with you at least 60% of the time
Old Age Security (OAS) and GIS
- Must be at least 65 years old
- Have lived in Canada for at least 10 years since age 18
- Meet low-income criteria for GIS
- Payments may be reduced if income exceeds a set limit
Canada Workers Benefit (CWB)
- Be a low-income worker
- Must have filed your tax return
- Meet the employment income threshold
- Disability supplement available if eligible
Disability Benefits
- Must qualify for the Disability Tax Credit (DTC)
- Be a resident of Canada
- Provide medical certification
- Meet income limits
If you qualify for more than one program, CRA will combine the amounts, which can total up to $3,900 per month.
CRA
CRA calculates your benefits based on your most recent tax return, family details, and current eligibility status. If your income or household situation changes (like having a new child or a job loss), that could affect your monthly total.
Keeping your CRA My Account profile updated and filing your taxes every year on time is essential to receive the correct payment amount.
Application
Getting started with your application is simple if you follow these steps:
Check Eligibility
Use the CRA Benefits Finder tool to identify which programs you may qualify for.
Gather Documents
Have these ready:
- ID and proof of residency
- Last year’s tax return
- Birth certificates or dependent documentation
- Medical certification (if applying for disability benefits)
Submit Your Application
- Online: Through CRA’s My Account portal
- Mail: Send completed forms to CRA
- Tax professional: Get help from an accountant if needed
Track Your Status
Once submitted, log into your CRA account to track progress and get updates.
Deposit Dates
CRA generally sends out monthly payments around the 20th of each month. Here’s the expected schedule for 2025:
| Month | Expected Deposit Date |
|---|---|
| January | January 20, 2025 |
| February | February 20, 2025 |
| March | March 20, 2025 |
| April | April 20, 2025 |
| May | May 20, 2025 |
| June | June 20, 2025 |
| July | July 20, 2025 |
| August | August 20, 2025 |
| September | September 20, 2025 |
| October | October 20, 2025 |
| November | November 20, 2025 |
| December | December 20, 2025 |
Make sure your banking info is updated in your CRA account to avoid delays.
By knowing how these benefits work and staying informed, you can make sure you’re getting the support you deserve in 2025. Visit the official CRA website for updates and help with applications.
FAQs
What is the $3,900 CRA monthly payment?
It’s a total from multiple benefit programs like CCB and OAS.
Who qualifies for the payment?
Canadians eligible for CCB, OAS, CWB, or Disability Benefits.
When are the payments deposited?
Around the 20th of each month in 2025.
How can I apply for these benefits?
Online through CRA My Account, by mail, or via a tax pro.
How is my benefit amount calculated?
Based on income, taxes filed, and your eligibility status.
