John Hughie
Many Canadians may not realize that up to $3,900 in monthly payments can be accessed through various benefit programs offered by the Canada Revenue Agency (CRA).
While there’s no single $3,900 cheque, strategically combining federal supports such as the Canada Child Benefit (CCB), Old Age Security (OAS), Guaranteed Income Supplement (GIS), Canada Workers Benefit (CWB), and the Canada Disability Benefit can result in a substantial monthly payout.
This guide breaks down each program, its eligibility, potential payment amounts, and how Canadians in 2025 can maximize their benefits from CRA programs.
What Is the CRA $3,900 Monthly Payment?
The CRA does not issue one lump-sum cheque for $3,900. Instead, Canadians from various demographics—low-income workers, seniors, parents, and those with disabilities—can combine multiple benefits to reach this total.
For instance, a single low-income senior caring for two young children and qualifying for the Disability Tax Credit could potentially receive close to $3,900 monthly.
Breakdown of Major CRA Programs and Payments
| Program | Eligibility | Maximum Monthly Amount |
|---|---|---|
| Canada Child Benefit (CCB) | Children under 18, primary caregiver, Canadian resident | Up to $1,300 for two young children |
| Old Age Security (OAS) | Age 65+, lived in Canada 10+ years | Up to $800.44 |
| Guaranteed Income Supplement (GIS) | Low-income OAS recipients | Up to $1,086.88 |
| Canada Workers Benefit (CWB) | 19+, employed with modest income | Approx. $500 average |
| Canada Disability Benefit | 18–64, DTC approved, low income | Up to $200 |
| Total Possible Monthly Amount | Combined from all qualifying programs | $3,887.32 |
Detailed Overview of CRA Benefits
Canada Child Benefit (CCB)
The CCB is a tax-free monthly payment to help families with the cost of raising children under 18.
- Eligibility: Must be the child’s primary caregiver, file taxes, and reside in Canada.
- Payment:
- Up to $648.91/month per child under 6
- Up to $547.50/month per child aged 6–17
Example: A parent with two children under six can receive nearly $1,300/month.
Old Age Security (OAS)
The OAS provides income support for Canadians aged 65 and over.
- Eligibility: 65+, Canadian citizen/legal resident, 10+ years in Canada after age 18.
- Payment Amount:
- $727.67/month (ages 65–74)
- $800.44/month (ages 75+)
Guaranteed Income Supplement (GIS)
Available to low-income seniors already receiving OAS.
- Eligibility: OAS recipients with income below $21,624 (single senior, 2025).
- Payment Amount: Up to $1,086.88/month.
Canada Workers Benefit (CWB)
The CWB assists low-income working Canadians, including part-time workers.
- Eligibility: Age 19+, employed, file tax return.
- Payment: Paid either quarterly or as a refundable credit during tax time. Average monthly support is around $500.
Canada Disability Benefit (Launching July 2025)
This new benefit provides financial assistance to working-age Canadians with disabilities.
- Eligibility: Age 18–64, must qualify for the Disability Tax Credit (DTC), meet low-income threshold.
- Payment Amount: Up to $200/month, with potential increases in future budgets.
CRA Payment Schedule for 2025
| Month | CRA 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 disability-related payments may follow a different schedule. Always check your CRA MyAccount for updates.
Tips to Maximize CRA Benefits in 2025
- File Your Taxes Early: Filing ensures access to most CRA programs—even if you have no income.
- Apply for the Disability Tax Credit (DTC): This opens the door to the new Canada Disability Benefit.
- Use the CRA Benefits Finder: This online tool helps identify which programs you’re eligible for.
- Keep CRA Info Updated: Marital status, number of dependents, and address changes affect your benefit calculations.
While there is no direct $3,900 CRA cheque, strategic planning allows Canadians to unlock layered benefits that total close to that amount. Whether you’re a senior, a working parent, a low-income earner, or a person with a disability, the CRA’s programs in 2025 are more supportive than ever.
Make sure to file your taxes, check your CRA account, and stay informed to make the most of these opportunities.
FAQs
Is the $3,900 CRA payment a one-time cheque?
No, it’s not a single payment. It refers to the combined total a person could receive monthly from multiple CRA programs.
Can I receive both OAS and the Canada Child Benefit?
Yes, if you’re raising children under 18 and meet all the qualifications for both programs.
When will the Canada Disability Benefit payments begin?
The new benefit is scheduled to begin in July 2025 for eligible Canadians approved for the Disability Tax Credit.
