In 2025, eligible Canadians could receive up to \$3,900 per month by strategically combining federal support programs managed by the Canada Revenue Agency (CRA). While there is no single cheque totaling that amount, understanding how to stack benefits like the Canada Child Benefit (CCB), Old Age Security (OAS), Guaranteed Income Supplement (GIS), Canada Workers Benefit (CWB), and the Canada Disability Benefit could significantly boost monthly income.
From seniors to low-income workers, parents to people with disabilities—thousands of Canadians qualify for more than one benefit. This guide breaks down each program, its eligibility, and how you can claim your share of the CRA’s support in 2025.
What Is the CRA \$3,900 Monthly Payment in 2025?
Contrary to popular belief, the CRA is not issuing a single \$3,900 cheque, but it is possible to receive that much through a combination of benefit programs. For instance, a low-income senior raising children could qualify for OAS, GIS, and CCB simultaneously. A working-age adult with a disability might qualify for CWB and the new disability benefit.
This layered support approach reflects the government’s efforts to cushion Canadians from inflation, rising rent, and higher living expenses.
Canada Child Benefit (CCB) [Support for Families with Children]
The Canada Child Benefit provides monthly, tax-free payments to help families with the cost of raising children under 18.
Who qualifies:
- Must be the primary caregiver
- Must reside in Canada and file taxes
- Must have children under 18
How much you could receive:
- Up to \$648.91/month for each child under 6
- Up to \$547.50/month for each child aged 6–17
Example: A parent with two children under six can receive nearly \$1,300/month just from CCB.
Old Age Security (OAS) [Income for Seniors Aged 65+]
The Old Age Security pension is a monthly benefit for Canadians aged 65 and older, regardless of employment history.
Eligibility:
- Age 65+
- Lived in Canada for 10+ years after age 18
- Canadian citizen or legal resident
Payment amounts:
- \$727.67/month (ages 65–74)
- \$800.44/month (ages 75+)
OAS is adjusted quarterly to reflect inflation.
Guaranteed Income Supplement (GIS) [Support for Low-Income Seniors]
If you’re receiving OAS and have low annual income, you may be eligible for the Guaranteed Income Supplement (GIS).
Eligibility:
- Must already receive OAS
- Annual income below approximately \$21,624 (for single seniors in 2025)
Payment amount:
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- Up to \$1,086.88/month for eligible singles
This supplement is a game-changer for seniors struggling to keep up with essential expenses.
Canada Workers Benefit (CWB) [Aid for Low-Income Workers]
The Canada Workers Benefit is aimed at Canadians with low to modest employment income, including part-time workers.
Eligibility:
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- Must be 19+ years old
- Must be employed and earning modest income
- Must file a tax return
How it’s paid:
- Either quarterly advance payments or a refundable credit at tax time
CWB helps support working Canadians without cutting into other benefits.
Canada Disability Benefit (Launching July 2025)
The upcoming Canada Disability Benefit will offer new monthly support to working-age adults living with disabilities.
Eligibility:
- Aged 18–64
- Must be approved for the Disability Tax Credit (DTC)
- Must meet residency and low-income criteria
Benefit amount:
- Up to \$200/month initially, with room for increases in future budgets
Tip: If you haven’t yet applied for the DTC, now is the time—it’s your gateway to multiple disability-related programs.
When Are CRA Payments Made in 2025?
Here are the confirmed monthly payment dates for most CRA benefits like CCB, OAS, GIS:
| Month | Payment Date |
|---|---|
| January | January 20 |
| February | February 20 |
| March | March 20 |
| April | April 17 |
| May | May 20 |
| June | June 20 |
| July | July 18 |
| August | August 20 |
| September | September 19 |
| October | October 20 |
| November | November 20 |
| December | December 12 |
CWB and other quarterly benefits may follow different schedules. Always check your CRA MyAccount for personalized dates.
Who Can Actually Receive Up to \$3,900?
Here’s an example of how the monthly amount can add up:
| Program | Monthly Amount |
|---|---|
| Canada Child Benefit | \$1,300 (2 children) |
| OAS | \$800.44 |
| GIS | \$1,086.88 |
| CWB | \$500 (average est.) |
| Disability Benefit | \$200 |
| Total | \$3,887.32 |
This total varies based on individual situations, but it proves that multiple benefit stacking is possible.
Tips to Maximize Your CRA Benefits in 2025
- File Your Taxes Early
Your tax return is the key to unlocking most CRA benefits—even if you have zero income. - Apply for the Disability Tax Credit (DTC)
This credit unlocks federal and provincial supports, including the new disability benefit. - Use the CRA Benefits Finder Tool
This tool custom-matches your profile to all available programs. - Keep Your Information Updated
Address changes, marital status, new dependents—everything should be reflected in your CRA profile.
✅ FAQs About CRA \$3,900 Monthly Benefits in 2025
1. Is there really a \$3,900 CRA payment?
No, there is no single \$3,900 cheque. That figure reflects the combined total of several CRA-administered programs you may qualify for.
2. Who qualifies for the Canada Disability Benefit in 2025?
Canadians aged 18–64 who are approved for the Disability Tax Credit and meet income requirements.
3. When does the Disability Benefit start?
The new Canada Disability Benefit starts in July 2025, with monthly payments.
4. Do I need to apply separately for each benefit?
Yes. Each program—CCB, OAS, GIS, CWB, and Disability Benefit—requires its own application and eligibility check.
5. How do I know what benefits I can get?
Use the CRA Benefits Finder on the CRA website to check your eligibility across all programs.
