In November 2025, millions of Canadians are set to receive a variety of government benefit payments that will help ease financial stress amid rising living costs. From Canada Child Benefit to Old Age Security and the GST/HST Credit, these monthly and quarterly payments are essential for supporting families, seniors, and low-income individuals across the country. Understanding the payment schedule and the exact amount for each program can help recipients plan their budgets efficiently. Here’s a full guide to all seven major benefits coming this month.
1. Canada Child Benefit (CCB) – November 2025 Payment Date
The Canada Child Benefit (CCB) is a crucial monthly tax-free payment provided to eligible parents to help cover the cost of raising children under 18. Managed by the Canada Revenue Agency (CRA), the CCB amount depends on income and number of children. For November 2025, payments are expected on November 20. Families can expect between $580 and $720 per child, depending on household income. This financial support ensures that parents have access to funds for essentials like school supplies, groceries, and childcare expenses, helping millions of Canadian households stay financially secure.
2. Old Age Security (OAS) and Guaranteed Income Supplement (GIS)
The Old Age Security (OAS) and Guaranteed Income Supplement (GIS) are two of the most important benefits for senior citizens aged 65 and above. Payments are distributed every month, with November’s deposit scheduled for November 27, 2025. The OAS amount varies based on income, but most seniors can expect around $713 monthly, while GIS recipients can receive up to $1,065 if they qualify. These benefits help older adults manage their living expenses and maintain independence, especially during times of economic inflation. Canadians aged 75+ receive a slightly higher OAS boost as per the latest federal adjustment.
3. Canada Workers Benefit (CWB) and GST/HST Credit
The Canada Workers Benefit (CWB) and GST/HST Credit offer valuable financial relief to low and moderate-income workers. The CWB advance payments are typically distributed quarterly, and the next one will arrive by November 15, 2025. Meanwhile, the GST/HST Credit helps offset taxes for eligible individuals and families, with an average payment of $234 for singles and $467 for families. Both programs are automatically calculated based on your tax return, ensuring that eligible recipients receive the right amount directly in their bank accounts without needing to reapply each quarter.
Other Key Federal Benefits Arriving in November 2025
In addition to the CCB, OAS, GIS, and CWB, Canadians can also expect other major benefits such as the Canada Pension Plan (CPP), Employment Insurance (EI) payments, and Climate Action Incentive rebates. These deposits are essential lifelines that reach millions of Canadians every month. The CPP payment date for November 2025 is expected to be November 27, matching the OAS schedule. Each of these programs contributes to a stable and supportive financial system, ensuring that all eligible Canadians—from working individuals to retirees—receive timely assistance directly into their bank accounts.
| Benefit Program | Payment Date (November 2025) | Average Amount (CAD) | Eligible Group |
|---|---|---|---|
| Canada Child Benefit (CCB) | November 20, 2025 | $580–$720 per child | Parents with children under 18 |
| Old Age Security (OAS) | November 27, 2025 | Up to $713 monthly | Canadians aged 65+ |
| Guaranteed Income Supplement (GIS) | November 27, 2025 | Up to $1,065 monthly | Low-income seniors |
| Canada Workers Benefit (CWB) | November 15, 2025 | $300–$1,200 quarterly | Low to middle-income workers |
| GST/HST Credit | November 15, 2025 | $234–$467 quarterly | Individuals and families |
| Canada Pension Plan (CPP) | November 27, 2025 | $760 average monthly | Retired workers |
| Employment Insurance (EI) | Bi-weekly | Based on income | Eligible unemployed workers |
1. When will Canadians receive November 2025 payments?
Most federal payments, including OAS, GIS, and CPP, are expected between November 15 and November 27, 2025.
2. How can I check my CCB payment status?
Canadians can check their CCB status via the CRA My Account portal or the MyBenefits CRA mobile app.
3. Do I need to reapply for the Canada Workers Benefit?
No, it’s automatically calculated each year based on your income tax return.
4. Will there be a payment increase in 2026?
Yes, the federal government plans to review and adjust payment rates in early 2026 to reflect inflation.
