October 2025 stands out as a significant month for Canadians, with various federal and provincial programs disbursing financial support.
Collectively, eligible individuals could receive up to $10,800 in benefits, encompassing a range of programs aimed at assisting families, seniors, workers, and individuals with disabilities.
These payments are designed to help cover essential living expenses such as groceries, housing, childcare, and healthcare.
October 2025 Benefit Payment Schedule
The following table outlines the key benefit programs, their scheduled payment dates, and their primary features:
| Benefit Program | Payment Date | Key Feature |
|---|---|---|
| GST/HST Credit | October 3 | Quarterly credit based on 2024 income tax return |
| Ontario Trillium Benefit (OTB) | October 10 | Monthly support for property tax, energy, and sales tax |
| Advanced Canada Workers Benefit (ACWB) | October 10 | Advance portion of Canada Workers Benefit for low-income workers |
| Canada Child Benefit (CCB) | October 20 | Monthly child support adjusted for income and dependents |
| Old Age Security (OAS) & GIS | October 29 | Pension and supplement for seniors |
| Canada Pension Plan (CPP) | October 29 | Retirement and disability pension based on contributions |
| Veteran Disability Pension | October 30 | Tax-free lifetime pension for eligible veterans |
Detailed Breakdown of Each Program
GST/HST Credit
Issued on October 3, 2025, this quarterly, tax-free payment assists households with modest or low incomes to offset federal sales taxes.
Eligibility is automatically determined upon filing the 2024 tax return, and no additional application is necessary. The amount varies based on adjusted family net income and the number of dependents.
Ontario Trillium Benefit (OTB)
Ontario residents will receive the OTB on October 10, 2025. This monthly support combines three provincial credits: the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit.
Eligibility and payment amounts are calculated using the 2024 tax return, considering factors like age, location, and income. Seniors over 65 may receive slightly higher amounts through the property tax portion.
Advanced Canada Workers Benefit (ACWB)
Also scheduled for October 10, 2025, the ACWB provides advance installments of the Canada Workers Benefit, typically delivered during tax filing.
This program offers low-income workers more timely access to funds throughout the year. Eligibility is based on age, earned income, and residency. The October installment represents the second advance payment of the year.
Canada Child Benefit (CCB)
Disbursed on October 20, 2025, the CCB is a significant monthly support for families with children under 18. The amount depends on income reported in the 2024 tax return, the number of children in the household, and their ages.
Families with lower incomes receive the maximum amounts, which include separate amounts for children under six and those aged six to seventeen.
Old Age Security (OAS) & Guaranteed Income Supplement (GIS)
On October 29, 2025, seniors will receive their OAS pension, along with any additional amounts through the GIS, Allowance, or Allowance for the Survivor. These programs provide essential monthly support to Canadians aged 65 and older.
OAS is not dependent on past work history but requires age eligibility and a minimum residency period in Canada. Payments are reviewed quarterly and adjusted for inflation.
Canada Pension Plan (CPP)
Also scheduled for October 29, 2025, the CPP provides retirement pensions to individuals who contributed during their working years, as well as disability, survivor, and children’s benefits in certain circumstances. Payment amounts vary depending on how much and how long a person contributed.
The maximum monthly retirement benefit in 2025 is $1,433, but the average is closer to $845. Additional benefits are available to those with disabilities or surviving family members of deceased contributors.
Veteran Disability Pension
The final major benefit of the month comes on October 30, 2025, when eligible former service members receive their Veteran Disability Pension. This program offers lifelong, tax-free payments to veterans with disabilities resulting from their military service.
The amount of this pension is not based on income but on the severity of the disability and the assessment class. Payments are ongoing for life and may include additional amounts for dependents.
October 2025 presents a robust array of financial support for Canadians through various federal and provincial programs. With careful planning and awareness of eligibility criteria and payment schedules, individuals and families can maximize the benefits available to them, ensuring enhanced financial stability during this period.
FAQs
Is the $10,800 a single payment?
No, the $10,800 represents the combined total of multiple benefit programs, not a single lump sum payment.
Who is eligible for these benefits?
Eligibility varies by program but generally includes factors such as income level, age, family status, and residency. Specific criteria can be found on the official Government of Canada website.
How can I ensure I receive these payments?
Ensure that you have filed your 2024 tax return, set up direct deposit with the Canada Revenue Agency (CRA), and meet the eligibility requirements for each program.