Guia das Datas de Pagamento de Benefícios no Canadá em 2025

Se você recebe benefícios federais no Canadá, é fundamental conhecer os detalhes sobre cada programa, como elegibilidade, valores e datas de pagamento. Neste guia, explicamos os principais benefícios, ajudamos a entender quem pode recebê-los e informamos quando os pagamentos serão feitos em 2025.

Canada Pension Plan (CPP)

O que é o Canada Pension Plan (CPP)?

O CPP é um programa de previdência pública do governo canadense. Ele fornece benefícios mensais para aposentados, pessoas com invalidez e dependentes de beneficiários falecidos.

Quem é elegível?

  • Indivíduos com mais de 60 anos que tenham contribuído para o CPP.

  • Pessoas com invalidez severa que não conseguem trabalhar.

  • Filhos de beneficiários do CPP falecidos ou incapacitados.

Valores dos Benefícios

Os valores variam conforme as contribuições ao longo dos anos. Em 2024, o pagamento médio mensal para aposentados foi de cerca de CAD 758 com um máximo de CAD 1.364,60.

Datas de Pagamento em 2025

  • 29 de janeiro

  • 26 de fevereiro

  • 27 de março

  • 28 de abril

  • 28 de maio

  • 26 de junho

  • 29 de julho

  • 27 de agosto

  • 25 de setembro

  • 29 de outubro

  • 26 de novembro

  • 22 de dezembro

Old Age Security (OAS)

O que é o Old Age Security (OAS)?

O OAS é um benefício pago a idosos canadenses com 65 anos ou mais, independentemente do histórico de contribuição ao CPP.

Quem é elegível?

  • Pessoas com 65 anos ou mais que tenham residido no Canadá por pelo menos 10 anos após os 18 anos.

Valores dos Benefícios

O máximo mensal do OAS em 2024 foi CAD 713.34, com possíveis acréscimos pelo Guaranteed Income Supplement (GIS).

Datas de Pagamento em 2025

(Seguem as mesmas datas do CPP)

Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit

O que é o GST/HST Credit?

Um crédito fiscal para canadenses de baixa renda, ajudando a compensar os impostos pagos sobre bens e serviços.

Quem é elegível?

  • Residentes no Canadá com baixa renda.

  • Pessoas que preencheram a declaração de imposto de renda.

Valores dos Benefícios

Depende da renda familiar. O valor máximo em 2024 foi CAD 496 para solteiros e CAD 650 para casais.

Datas de Pagamento em 2025

  • 5 de janeiro

  • 5 de abril

  • 5 de julho

  • 5 de outubro

Canada Child Benefit (CCB)

O que é o Canada Child Benefit (CCB)?

Um benefício mensal não tributável pago a famílias para ajudar com o custo de criação de crianças.

Quem é elegível?

  • Responsáveis por crianças menores de 18 anos.

Valores dos Benefícios

Depende da renda familiar. Em 2024, o valor máximo foi CAD 7.437 por criança menor de 6 anos e CAD 6.275 por criança de 6 a 17 anos.

Datas de Pagamento em 2025

  • 19 de janeiro

  • 20 de fevereiro

  • 20 de março

  • 19 de abril

  • 20 de maio

  • 20 de junho

  • 19 de julho

  • 20 de agosto

  • 20 de setembro

  • 18 de outubro

  • 20 de novembro

  • 13 de dezembro

Ontario Trillium Benefit (OTB)

O que é o Ontario Trillium Benefit (OTB)?

Um benefício para residentes de Ontário, incluindo créditos para energia e imposto sobre vendas.

Quem é elegível?

  • Residentes de Ontário que se qualificam para os créditos tributários provinciais.

Valores dos Benefícios

Depende da renda familiar e situação de moradia.

Datas de Pagamento em 2025

  • 10 de janeiro

  • 10 de fevereiro

  • 10 de março

  • 10 de abril

  • 10 de maio

  • 10 de junho

  • 10 de julho

  • 10 de agosto

  • 10 de setembro

  • 10 de outubro

  • 10 de novembro

  • 10 de dezembro

Advanced Canada Workers Benefit (ACWB)

O que é o Advanced Canada Workers Benefit (ACWB)?

O ACWB é um pagamento antecipado do Canada Workers Benefit, um benefício reembolsável para trabalhadores de baixa renda, destinado a fornecer suporte financeiro ao longo do ano.

Quem é elegível?

  • Trabalhadores de baixa renda que atendem aos critérios estabelecidos pelo governo federal.

  • Pessoas que apresentaram a declaração de imposto de renda e se qualificam para o Canada Workers Benefit.

Valores dos Benefícios

O valor varia de acordo com a renda familiar e a situação tributária do beneficiário.

Datas de Pagamento em 2025

  • 10 de janeiro

  • 11 de julho

  • 10 de outubro

Canada Carbon Rebate

O que é o Canada Carbon Rebate?

Anteriormente conhecido como Climate Action Incentive Payment, este benefício ajuda a compensar o custo do imposto sobre carbono.

Quem é elegível?

  • Residentes em províncias participantes do programa de precificação do carbono.

Valores dos Benefícios

Os valores variam por província.

Datas de Pagamento em 2025

  • 15 de janeiro

  • 15 de abril

  • 15 de julho

  • 15 de outubro

Alberta Child and Family Benefit (ACFB)

O que é o Alberta Child and Family Benefit (ACFB)?

O ACFB é um programa de assistência financeira para famílias de baixa renda com crianças na província de Alberta. O benefício combina apoio financeiro ao longo do ano para ajudar com os custos de criação de filhos.

Quem é elegível?

  • Famílias residentes em Alberta com crianças menores de 18 anos.

  • Renda familiar dentro dos limites estabelecidos pelo governo da província.

Valores dos Benefícios

Os valores variam com base na renda familiar e no número de crianças na casa.

Datas de Pagamento em 2025

  • 27 de fevereiro

  • 27 de maio

  • 27 de agosto

  • 27 de novembro

Veteran Disability Pension

O que é o Veteran Disability Pension?

A Veteran Disability Pension é um benefício mensal pago a veteranos que sofreram ferimentos ou doenças relacionadas ao serviço militar. Este benefício tem o objetivo de fornecer suporte financeiro para aqueles que enfrentam desafios de saúde devido ao seu serviço.

Quem é elegível?

  • Veteranos que tenham uma condição de saúde comprovadamente relacionada ao serviço militar.

  • Membros da família de veteranos falecidos podem ser elegíveis para determinados pagamentos.

Valores dos Benefícios

Os valores variam de acordo com o grau de deficiência e a avaliação médica do veterano.

Datas de Pagamento em 2025

  • 30 de janeiro

  • 27 de fevereiro

  • 28 de março

  • 29 de abril

  • 29 de maio

  • 27 de junho

  • 30 de julho

  • 28 de agosto

  • 26 de setembro

  • 30 de outubro

  • 27 de novembro

  • 23 de dezembro

Conclusão

Garantir que você esteja informado sobre os benefícios disponíveis e suas respectivas datas de pagamento é essencial para um planejamento financeiro eficiente. Saber quando e quanto você pode receber permite que você organize melhor suas finanças, evite surpresas e aproveite ao máximo os programas governamentais.

Se você deseja otimizar sua situação fiscal, garantir que está aproveitando todos os créditos e benefícios disponíveis, ou precisa de suporte na sua declaração de impostos, a MB Tax Solutions pode te ajudar. Nossa equipe de especialistas está pronta para oferecer um atendimento personalizado, garantindo que você maximize seus benefícios e reduza sua carga tributária de maneira legal e eficiente.

Entre em contato agora mesmo! Acesse MB Tax Solutions e descubra como podemos simplificar sua vida financeira no Canadá.

Perguntas Frequentes (FAQ)

Os pagamentos do ACWB para 2025 serão feitos nas seguintes datas:

  • 10 de janeiro

  • 11 de julho

  • 10 de outubro

Trabalhadores de baixa renda que atendem aos critérios do governo federal e que apresentaram a declaração de imposto de renda.

Os pagamentos do ACFB para 2025 ocorrerão nas seguintes datas:

  • 27 de fevereiro

  • 27 de maio

  • 27 de agosto

  • 27 de novembro

Famílias residentes em Alberta com crianças menores de 18 anos e que se encaixam nos critérios de renda estabelecidos pelo governo provincial.

Os pagamentos da Veteran Disability Pension para 2025 serão feitos nas seguintes datas:

  • 30 de janeiro

  • 27 de fevereiro

  • 28 de março

  • 29 de abril

  • 29 de maio

  • 27 de junho

  • 30 de julho

  • 28 de agosto

  • 26 de setembro

  • 30 de outubro

  • 27 de novembro

  • 23 de dezembro

Veteranos que sofreram ferimentos ou desenvolveram doenças relacionadas ao serviço militar. Em alguns casos, membros da família de veteranos falecidos também podem ser elegíveis.

A inscrição pode ser feita através do site oficial do governo do Canadá (Canada.ca) ou entrando em contato com a agência responsável por cada benefício.

Sim, a maioria dos benefícios são pagos por depósito direto. Certifique-se de ter suas informações bancárias atualizadas junto ao governo para evitar atrasos.

Se você não receber o pagamento na data indicada, aguarde alguns dias úteis. Caso o valor não seja depositado, entre em contato com o órgão responsável pelo benefício para verificar sua situação.

A MB Tax Solutions pode te ajudar a maximizar seus benefícios e reduzir sua carga tributária. Nossa equipe especializada oferece consultoria personalizada para garantir que você aproveite ao máximo os programas disponíveis.

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Guide to Benefit Payment Dates in Canada in 2025

If you receive federal benefits in Canada, it’s essential to understand the details of each program — including eligibility, payment amounts, and payment dates. In this guide, we explain the main federal benefits, help you understand who is eligible, and share all the key dates for 2025.

Canada Pension Plan (CPP)

The CPP is a public pension plan administered by the Government of Canada. It provides monthly payments to retirees, individuals with disabilities, and dependants of deceased contributors.

Who is eligible?

  • Individuals over the age of 60 who have contributed to the CPP
  • People with severe disabilities who are unable to work
  • Children of deceased or disabled CPP beneficiaries

Benefit Amounts

In 2024, the average monthly payment for retirees was approximately CAD 758, with a maximum of CAD 1,364.60.

Payment Dates in 2025

  • January 29
  • February 26
  • March 27
  • April 28
  • May 28
  • June 26
  • July 29
  • August 27
  • September 25
  • October 29
  • November 26
  • December 22

Old Age Security (OAS)

OAS is a monthly benefit paid to Canadian seniors aged 65 or older, regardless of their CPP contribution history.

Who is eligible?

  • Individuals aged 65 or older who have lived in Canada for at least 10 years after turning 18

Benefit Amounts

The maximum monthly OAS payment in 2024 was CAD 713.34, with potential additional amounts available through the Guaranteed Income Supplement (GIS).

Payment Dates in 2025

  • Same as CPP dates

GST/HST Credit

This is a tax credit that helps low- and modest-income Canadians offset the GST or HST they pay on goods and services.

Who is eligible?

  • Canadian residents with low or modest income
  • Individuals who filed an income tax return

Benefit Amounts

In 2024, the maximum was CAD 496 for singles and CAD 650 for couples.

Payment Dates in 2025

  • January 5
  • April 5
  • July 5
  • October 5

Canada Child Benefit (CCB)

A non-taxable monthly payment made to families to help with the cost of raising children under 18.

Who is eligible?

  • Parents or guardians of children under 18 years of age

Benefit Amounts

In 2024, the maximum annual amount was CAD 7,437 per child under age 6, and CAD 6,275 per child aged 6 to 17.

Payment Dates in 2025

  • January 19
  • February 20
  • March 20
  • April 19
  • May 20
  • June 20
  • July 19
  • August 20
  • September 20
  • October 18
  • November 20
  • December 13

Ontario Trillium Benefit (OTB)

A benefit for Ontario residents that includes the Ontario energy and property tax credit, the Northern Ontario energy credit, and the Ontario sales tax credit.

Who is eligible?

  • Ontario residents who qualify for provincial tax credits

Benefit Amounts

Depends on income level and housing situation.

Payment Dates in 2025

  • January 10
  • February 10
  • March 10
  • April 10
  • May 10
  • June 10
  • July 10
  • August 10
  • September 10
  • October 10
  • November 10
  • December 10

Advanced Canada Workers Benefit (ACWB)

The Advanced Canada Workers Benefit is a quarterly advance payment of the refundable Canada Workers Benefit for low-income workers.

Who is eligible?

  • Low-income workers who meet federal eligibility criteria
  • Individuals who filed an income tax return and qualified for the CWB

Benefit Amounts

The amount depends on household income and tax situation.

Payment Dates in 2025

  • January 10
  • July 11
  • October 10

Canada Carbon Rebate

Formerly known as the Climate Action Incentive Payment, this benefit helps residents offset the costs of federal carbon pricing.

Who is eligible?

  • Residents of provinces where the federal carbon pricing system applies

Benefit Amounts

Amounts vary depending on the province.

Payment Dates in 2025

  • January 15
  • April 15
  • July 15
  • October 15

Alberta Child and Family Benefit (ACFB)

The Alberta Child and Family Benefit is a financial assistance program for low-income families with children. It provides support throughout the year to help with child-rearing expenses.

Who is eligible?

  • Families residing in Alberta with children under 18
  • Households with income within the province’s limits

Benefit Amounts

Varies based on family income and number of children.

Payment Dates in 2025

  • February 27
  • May 27
  • August 27
  • November 27

Veteran Disability Pension

This monthly pension supports veterans who have sustained a service-related injury or illness. Family members of deceased veterans may also qualify.

Who is eligible?

  • Veterans with a medically confirmed service-related condition
  • Eligible survivors of deceased veterans

Benefit Amounts

Based on the severity of the condition and medical assessment.

Payment Dates in 2025

  • January 30
  • February 27
  • March 28
  • April 29
  • May 29
  • June 27
  • July 30
  • August 28
  • September 26
  • October 30
  • November 27
  • December 23

Conclusion

Staying up to date on your benefits and their payment dates is key to managing your finances with confidence. Knowing how much and when you’ll receive your payments helps you avoid surprises and take full advantage of government support.

If you’d like personalized help optimizing your tax situation or making sure you’re getting all the benefits you qualify for, MB Tax Solutions is here to help. Our expert team offers friendly, personalized service to help you maximize your refunds and minimize your taxes — legally and efficiently.

Frequently Asked Questions (FAQ)

  • January 10

  • July 11

  • October 10

Low-income workers who filed their tax return and meet the CRA’s eligibility criteria.

  • February 27

  • May 27

  • August 27

  • November 27

Families living in Alberta with children under 18 and household income within provincial thresholds.

  • January 30

  • February 27

  • March 28

  • April 29

  • May 29

  • June 27

  • July 30

  • August 28

  • September 26

  • October 30

  • November 27

  • December 23

Veterans with service-related injuries or illnesses. In some cases, eligible survivors may also receive payments.

Apply online through Canada.ca or contact the relevant government agency for each benefit.

Yes. Most benefits are paid via direct deposit. Make sure your banking information is up to date to avoid delays.

Wait a few business days. If it still doesn’t show up, contact the agency responsible to check your status.

Absolutely! MB Tax Solutions offers personalized advice to ensure you get the maximum refund and access every credit and benefit available to you.

Need help? Talk to our team now via WhatsApp.

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Complete Guide to the 2025 Tax Season in Canada: What You Need to Know

Tax season in Canada is a crucial time for taxpayers, self-employed individuals, and investors. Understanding the tax rules and best practices can make all the difference in avoiding penalties and maximizing refunds. In this comprehensive guide, we cover the main topics affecting taxpayers in 2025 in detail.

Deadlines for Filing Income Tax Returns

Tax filing deadlines in Canada must be followed to avoid fines and interest. For the year 2025, the expected deadlines are:

  • Individuals: April 30, 2025.

  • Self-employed individuals: June 15, 2025 (but any taxes owed must be paid by April 30).

  • Businesses: Depending on the fiscal year, but generally six months after the end of the fiscal period (any taxes owed must be paid three months after the end of the fiscal period).

Filing late may result in penalties of up to 5% of the balance owed, plus an additional 1% per month for each month late. In addition, the CRA may charge compound interest on amounts owed, making delays a costly option for taxpayers.

Tax Obligations for Self-Employed Individuals

Self-employed individuals have different tax obligations compared to regular employees. In addition to reporting all income received, various business expenses can be deducted, such as:

  • Office rent or home office expenses: For those working from home, a portion of rent, mortgage, electricity, and internet expenses may be deductible.

  • Equipment and supplies: Computers, software, office furniture, and other necessary materials for work are deductible.

  • Vehicle expenses: If a vehicle is used for business purposes, a portion of fuel, maintenance, and insurance costs may be deducted.

  • Insurance and professional fees: Insurance plans and fees paid to professional associations can also be included as tax deductions.

Keeping detailed and organized records of all expenses is essential to avoid issues with the CRA and to maximize tax benefits.

Documents Required for Filing

To ensure that your tax return is accurate and complete, you need to gather the following documents:

T4: For employees who received salaries.

T5: For those who earned investment income.

T2202: For students wishing to deduct educational expenses.

Proof of medical and dental expenses.

Charitable donation receipts.

Bank and brokerage statements for investments.

Having all these documents organized in advance makes the filing process easier and reduces the chance of errors.

Tax Implications for Temporary Residents and New Immigrants

Temporary residents and new immigrants to Canada may have questions about their tax obligations. Some important rules include:

  • Even if you arrived recently, you must report worldwide income if considered a tax resident.

  • Depending on your country of origin, tax treaties may reduce or eliminate double taxation.

  • Tax credits may be available to help reduce the tax owed in the first year of residency.

Understanding specific rules can help avoid surprises and ensure proper compliance.

Taxation of Investments and Capital Gains

Investors should be aware of capital gains taxation rules, which include:

  • Only 50% of the profit from asset sales is taxable.

  • Investments in stocks, funds, and cryptocurrencies must be properly reported.

  • Capital losses can be used to offset future gains, reducing tax liability.

Proper tax planning can minimize the tax impact on investments.

Available Benefits and Tax Credits

The Canadian government offers several benefits and tax credits, such as:

  • Canada Child Benefit (CCB): For families with children.

  • GST/HST Credit: To assist low-income individuals.

  • Medical expense credits: For those with high health-related expenses.

  • Tuition Tax Credit: For post-secondary students.

Knowing and applying for these credits can make a big difference in your tax burden.

Tax Obligations for Foreign Citizens Residing in Canada

Foreign citizens residing in Canada must report their worldwide income and may benefit from international tax treaties. To avoid complications, consulting a tax professional is recommended.

Tax Law Updates and Impact on Returns

In 2025, some of the main updates include:

  • The TFSA contribution limit remains at $7,000, allowing tax-free savings.

  • Adjustments to personal income tax brackets, with a 2.7% increase to reflect inflation:

  • Up to $53,359: 15%

  • $53,360 to $106,717: 20.5%

  • $106,718 to $165,430: 26%

  • Above $235,675: 33%

  • Changes to cryptocurrency taxation rules requiring more transparency in declaring these assets.

Staying updated on these changes ensures compliance and potential savings on taxes.

Tax season in Canada can be complex, but with proper preparation, you can avoid issues and maximize your return. For personalized assistance, contact MB Tax Solutions and ensure your tax return is filed correctly!

Frequently Asked Questions (FAQ)

The deadline for individuals to file income taxes is April 30, 2025. For self-employed individuals, the return can be filed by June 15, 2025, but any taxes owed must be paid by April 30 to avoid interest.

All tax residents of Canada who earned income—through employment, self-employment, investments, or other sources—must file a return. New immigrants and temporary residents may also have tax obligations, depending on their situation.

Self-employed individuals can deduct expenses such as:

Office rent or home office costs.

Work-related equipment and supplies.

Vehicle expenses for business use.

Professional fees and job-related insurance.

Key documents include:

T4: For employees.

T5: For investment income.

T2202: For students wishing to deduct educational expenses.

Receipts for medical and dental expenses.

Charity donation receipts.

Bank statements and investment reports.

Only 50% of capital gains are taxable in Canada. If an investor sells an asset at a profit, half of that amount is added to taxable income and subject to standard tax rates.

Canada Child Benefit (CCB): For families with children.

GST/HST Credit: For low-income individuals and families.

Medical expense tax credits.

Tuition Tax Credit: For post-secondary students.

Yes. Foreign tax residents in Canada must report their worldwide income. However, international tax treaties may help avoid double taxation.

The TFSA limit remains at $7,000.

Income tax brackets were adjusted to reflect inflation:

Up to $53,359: 15%

$53,360 to $106,717: 20.5%

$106,718 to $165,430: 26%

Above $235,675: 33%

New reporting requirements for cryptocurrency investments.

Missing the filing deadline may result in a penalty of 5% of taxes owed, plus 1% for each month of delay. Compound interest may also apply to outstanding balances.

MB Tax Solutions offers full support to ensure your return is filed correctly and with the maximum tax benefits. For personalized assistance, visit the MB Tax Solutions website.

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