As November 2025 begins, families in Ontario are set to receive a fresh wave of vital relief via the Canada Revenue Agency (CRA) benefit payments. For a typical Ontario household with four children, monthly aid this November could total around $2,600.
In this detailed guide, you’ll find information about who qualifies, the payment dates, the updated benefit amounts, and practical tips to maximise these payments. Whether you’re a parent managing expenses in the GTA, a tenant in Sudbury facing rising utility costs, or a senior living on a fixed income, these supports—delivered by the CRA—are designed to help those who need it most.
Provincial Relief via the Ontario Trillium Benefit (OTB)
What is the OTB?
The OTB is a monthly provincial payment that bundles three major credits:
- Ontario Sales Tax Credit (OSTC) — offsets the 13% HST on daily goods.
- Ontario Energy and Property Tax Credit (OEPTC) — assists homeowners and renters with energy and tax expenses.
- Northern Ontario Energy Credit (NOEC) — extra support for those in Northern Ontario who face higher heating bills.
Though funded by the province, the payments are processed through the CRA for faster, streamlined delivery.
OTB amounts for 2025
Based on the 2024 tax return, the 2025 benefit year amounts are:
- OSTC: up to $371 per person.
- OEPTC: up to $1,283 for non-seniors, and $1,461 for seniors.
- NOEC: up to $185 for an individual or $285 for a family in Northern regions.
Altogether, an eligible family could receive approximately $2,100 annually, which works out to about $175 per month in OTB payments.
Who is eligible for OTB payments?
You qualify if you:
- Were an Ontario resident as of December 31, 2024.
- Filed your 2024 tax return and claimed any eligible credits.
- Pay rent or property tax in Ontario, or have energy/home-ownership costs.
- Have income below certain annual provincial thresholds.
Temporary residents may also qualify if they lived in Ontario at year-end and meet the other criteria.
OTB payment date – November 2025
The next OTB payment is scheduled for Monday, November 10, 2025.
If you have direct deposit set up, expect to see it listed as “Canada Pro Deposit”. If you receive a cheque, allow extra time for mailing.
Estimated OTB payment for families
While amounts vary by income and region, a typical Ontario family of four might receive roughly $150-$175 in November if they qualify for the maximum credits. Families in the Northern region, facing higher heating costs, might receive slightly more.
This early-month deposit (around Nov 10) is designed to help households meet property tax, hydro, and utility bills, especially as colder weather approaches.
Tips to maximise your OTB
- File your tax return on time. Your CRA benefit amounts are calculated from it.
- Ensure your CRA “My Account” shows your current address and bank details.
- If you moved or changed tenancy recently, update your rent or property-tax info before the next claim cycle.
- Treat the OTB as a monthly credit to reduce recurring expenses such as gas, hydro, or internet.
Major Support via the Canada Child Benefit (CCB)
What is the CCB?
The CCB is a tax-free monthly benefit for families with children under 18. It helps cover costs of raising kids—from daycare and school supplies to healthy food and clothing.
In July 2025, the benefit amounts were adjusted upward to reflect inflation and rising cost of living across Canada. That increase equals hundreds of extra dollars annually for many families.
CCB payment amounts for 2025-2026
- Children under 6 years old: up to $7,997 per year (about $666.41 per month).
- Children aged 6–17 years: up to $6,748 per year (approx. $562.33 per month).
These are maximums—your actual payment depends on your adjusted family net income (AFNI). Families with lower to moderate income get full amounts; higher-income households see gradual reductions.
Who is eligible for the CCB?
You must:
- Be a resident of Canada for tax purposes.
- Be the primary caregiver responsible for the child’s day-to-day needs.
- Have filed your 2024 income tax return, since CRA uses it to calculate 2025-2026 benefits.
- Have children under 18 living with you.
In shared-custody arrangements, parents may split payments based on custody terms.
Temporary residents with at least 18 consecutive months in Canada on valid permits (work, study or other) and still valid in month-19 may also qualify if they meet all other rules.
CCB Payment Date — November 2025
The next CCB payment is scheduled for Wednesday, November 20, 2025. Families with direct deposit will have the funds automatically credited; cheque recipients may see a slight delay.
Example: How much a family of four might get
Suppose a family has two children under 6 and two children aged 6-17:
- (2 × $666.41) = $1,332.82
- (2 × $562.33) = $1,124.66
Total CCB = $2,457.48 per month
This is the maximum scenario (if AFNI is below $37,487) and provides critical relief for families managing housing, transportation and childcare costs. In big cities like Toronto, Hamilton or Ottawa, where groceries and daycare are expensive, this monthly support is vital.
How to apply for the CCB
- Log into CRA My Account and complete the “Canada Child Benefits Application” online.
- Ensure both parents file tax returns, even if one parent had no income.
- Upload birth certificates or custody proof if requested.
- Keep your address and bank info updated for smooth deposit delivery.
Budgeting tips for CCB recipients
- Set aside part of the monthly payment for schooling or extracurricular activities.
- Use direct deposit for faster and safer access.
- Check your CRA My Account every few months to ensure no missed credits or adjustment surprises.
- Treat the CCB as part of your core monthly income—not a bonus—to help maintain disciplined budgeting.
Pension Supports for Seniors: Canada Pension Plan (CPP) and Old Age Security (OAS)
Canada Pension Plan (CPP)
This is a monthly retirement pension for Canadians who contributed while working.
- Maximum monthly payment at age 65 in 2025: $1,433
- Average monthly payment: approximately $844
You must be at least 60 years old and have made at least one valid CPP contribution to qualify.
Old Age Security (OAS)
The OAS pension is federally funded, and eligibility is based on residency, not contributions.
- For ages 65–74: up to $734.95 per month (as of late 2025).
- Ages 75 and up: up to $808.45 per month.
This payment is indexed quarterly to the Consumer Price Index (CPI).
November 2025 Payment Date for CPP & OAS
Both CPP and OAS payments are scheduled for Wednesday, November 26, 2025 for eligible retirees across Canada.
These pensions remain essential for seniors facing rising housing, transportation and medical costs—they provide trusted monthly income even when the economy is uncertain.
How these payments help seniors
- Cover increased pharmacy and grocery expenses.
- Help maintain independence for seniors living alone or on fixed incomes.
- Offer financial stability with predictable monthly income in a volatile economic climate.
Why These November Payments Are So Important
Ontario’s High Cost of Living
Families across Ontario are facing record-high rents, elevated grocery prices, rising fuel costs and increasing property tax assessments. The benefits from CCB, OTB, CPP and OAS deliver much-needed cash flow at a time when household budgets are stretched.
The Power of Timing
- OTB on Nov 10: early-month relief for bills.
- CCB on Nov 20: mid-month boost for family expenses.
- CPP/OAS on Nov 26: late-month income for seniors.
This staggered schedule ensures the supports arrive in waves, helping Ontarians spread their spending and manage the month more evenly.
November 2025: A Financially Significant Month for Ontarians
With payments from CCB, OTB and federal pensions arriving in sequence, both families and seniors can count on steady relief despite persistent living-cost pressures. By filing taxes on time, keeping CRA My Account information up to date, and planning budgets around the key payment dates (10th, 20th, 26th), you can make the most of these supports. For families especially, these November benefits aren’t just short-term help—they can become part of a stronger financial foundation and resilience strategy.
Please share this guide with friends or family so they too can access their benefits and confidently approach the final months of 2025.
FAQs
Q 1: What if I moved within Ontario or the address on file is outdated?
You should update your address and, if applicable, your rental or property-tax information in your CRA My Account as soon as possible. This ensures that you receive the correct benefit amounts and that payments are deposited without delay.
Q 2: Can I still receive the benefits if I didn’t file my 2024 tax return yet?
No – for most of these supports (OTB, CCB, CPP/OAS), filing your 2024 tax return on time is a key eligibility requirement. Failing to file may result in delayed or reduced payments.
Q 3: If I share custody of children, how is the CCB divided?
When custody is shared, the CCB may be split between guardians in proportion to their custody arrangement. You should report the correct information in your application and keep documentation (custody agreements, court orders) ready if requested.
