As November 2025 approaches, millions of Canadians can expect another round of federal and provincial government benefits to land in their bank accounts — right when household budgets need it most.
With colder weather, rising heating bills, and increased grocery costs, these November 2025 CRA and Service Canada payments provide crucial financial support for families, seniors, and individuals across the country. From the Canada Child Benefit (CCB) to the Canada Pension Plan (CPP), several programs are scheduled to issue direct deposits this month.
Here’s a complete breakdown of the seven government benefits Canadians can receive in November 2025, including payment dates, eligibility details, and average amounts.
5 CRA Payment Schedule Nov 2025 – Know the Amounts for CPP, OAS, CWB, CAIP, GST/HST
1. Ontario Trillium Benefit (OTB)
The Ontario Trillium Benefit (OTB) combines three provincial tax credits — the Ontario Energy and Property Tax Credit (OEPTC), Northern Ontario Energy Credit (NOEC), and Ontario Sales Tax Credit (OSTC) — into a single monthly payment.
This program supports low- to moderate-income Ontarians by reducing energy, sales tax, and property-related expenses. It’s administered by the CRA but funded by the Province of Ontario.
How Much You Can Get:
- OEPTC: Up to $106.91 per month (ages 18–64) or $121.75 (ages 65+)
- NOEC: Up to $15.41 for individuals or $23.75 for families in Northern Ontario
- OSTC: Up to $30.91 for each adult and dependent child under 19
Payment Date: November 10, 2025
Eligibility:
You must be a resident of Ontario, 18 years or older, and have filed your 2024 tax return. Those with total annual benefits under $360 receive a lump-sum payment in July instead of monthly installments.
2. Canada Child Benefit (CCB)
The Canada Child Benefit (CCB) provides tax-free monthly support to help families with the cost of raising children under 18. The benefit is income-tested, meaning higher-income families receive smaller payments.
How Much You Can Get (2025–26 benefit year):
- $666.41 per child under age 6
- $562.33 per child aged 6–17
Families may also receive provincial top-ups, worth up to $305.66 per child, as part of the same deposit.
Payment Date: November 20, 2025
Eligibility:
You must live with and care for a child under 18, be a resident of Canada for tax purposes, and have filed your 2024 tax return.
Extra Support:
Families with children eligible for the Disability Tax Credit receive an additional $284.25 per month per child through the Child Disability Benefit.
3. Canada Disability Benefit (CDB)
Launched in mid-2025, the Canada Disability Benefit (CDB) provides new monthly income support for working-age Canadians living with disabilities.
The program targets individuals aged 18–64 who qualify for the Disability Tax Credit (DTC) and have lower household incomes.
How Much You Can Get:
- Maximum: $200 per month
- Actual amounts vary depending on income and family situation.
- Annual entitlements under $240 are paid as a one-time lump sum instead of monthly payments.
Payment Date: November 20, 2025
Eligibility:
You must be approved for the Disability Tax Credit and meet income thresholds based on your most recent tax filing.
For newly approved applicants, retroactive payments may be included in November deposits to cover unpaid months.
4. Canada Pension Plan (CPP)
The Canada Pension Plan (CPP) provides monthly retirement income to Canadians who contributed during their working years. Payments are automatic once you apply and qualify, and they continue for life.
How Much You Can Get:
- Maximum (age 65): $1,433 per month
- Average payment: $848 per month
Additional CPP Benefits:
- Disability Benefit: Up to $1,673.24 per month
- Survivor’s Pension: Up to $770.88 (under 65) or $859.80 (65 and over)
- Children’s Benefit: $301.77 for dependent children of disabled or deceased contributors
Payment Date: November 26, 2025
Eligibility:
You must be at least 60 years old and have made at least one valid CPP contribution. The amount depends on your lifetime earnings and contribution history.
5. Old Age Security (OAS)
The Old Age Security (OAS) pension provides monthly income to Canadians aged 65 and older, regardless of their employment history. It’s automatically adjusted quarterly for inflation.
How Much You Can Get (November 2025):
- Ages 65–74: Up to $740.09
- Ages 75+: Up to $814.10
Supplementary Benefits:
- Guaranteed Income Supplement (GIS): Up to $1,105.43 (single seniors)
- Allowance: Up to $1,405.50 for spouses of GIS recipients
- Allowance for the Survivor: Up to $1,675.45 for widowed individuals aged 60–64
Payment Date: November 26, 2025
Eligibility:
You must be 65+ and have lived in Canada for at least 10 years after age 18. Full OAS requires 40 years of residency.
6. Alberta Child and Family Benefit (ACFB)
The Alberta Child and Family Benefit (ACFB) is a provincial, tax-free quarterly payment that helps Alberta families with lower or moderate incomes manage the cost of raising children.
How Much You Can Get (per quarter):
- First child: $566.50
- Second child: $361.75
- Third child: $291.75
- Fourth child: $221.75
Families earning over $2,760 annually also receive a working income supplement, which increases total payments.
Payment Date: November 27, 2025
Eligibility:
You must live in Alberta, have at least one child under 18, and have filed your 2024 tax return.
7. Veteran Disability Pension
The Veteran Disability Pension offers tax-free lifetime payments to former Canadian service members with health conditions related to their military service. It’s managed by Veterans Affairs Canada and delivered through Service Canada.
How Much You Can Get:
- Maximum monthly amount for a Class 1 disability: $3,444.59
- Additional payments may be available for dependants.
Payment Date: November 27, 2025
Eligibility:
You must have a medically confirmed service-related disability and be a veteran, RCMP member, or qualified civilian who contributed to Canada’s defense efforts.
What These November 2025 Benefits Mean for Canadians
November’s lineup of CRA and Service Canada benefit payments will provide essential relief for millions of Canadians navigating rising costs. With multiple deposits arriving throughout the month — including support for families, seniors, veterans, and individuals with disabilities — these programs offer stability during one of the year’s most expensive seasons.
For most recipients, benefits will arrive via direct deposit, ensuring faster and safer access to funds. Those receiving cheques may need to allow a few extra business days for mail delivery.
The November 2025 government payment schedule demonstrates the broad network of support available to Canadians — from the Ontario Trillium Benefit to the Veteran Disability Pension.
If you qualify for any of these programs, make sure your CRA My Account or My Service Canada Account information is up to date. Keeping your taxes filed and your direct deposit details current ensures you don’t miss any payments this month.
These seven benefit programs highlight how the government continues to provide direct, targeted financial help to those who need it most — just in time for the winter season.