CanadaForEveryone
Federal Income Support Programs
Canada Workers Benefit (CWB)
A refundable tax credit designed to help low-income individuals and families. The CWB provides financial support to eligible working Canadians, encouraging participation in the workforce. It includes a basic amount and a disability supplement.
Learn MoreGST/HST Credit
A tax-free quarterly payment that helps individuals and families with low and modest incomes offset the Goods and Services Tax/Harmonized Sales Tax that they pay. Eligibility is automatically assessed when you file your income tax return.
Learn MoreCanada Housing Benefit (CHB)
A joint federal-provincial initiative aimed at making housing more affordable for Canadians. The CHB delivers direct financial support to those struggling with rent payments. Specific eligibility criteria vary by province.
Learn MoreCanada Child Benefit (CCB)
A tax-free monthly payment made to eligible families to help them with the cost of raising children under 18 years of age. It may include the child disability benefit and related provincial and territorial programs.
Learn MoreOld Age Security (OAS) + GIS
The Old Age Security (OAS) pension is a monthly payment available to most Canadians aged 65 and older. The Guaranteed Income Supplement (GIS) is an additional monthly payment for low-income OAS recipients.
Learn MoreProvincial & Local Support Programs
Provincial Income Support
Provinces like Ontario (Ontario Works), Alberta (Alberta Income Support), and British Columbia (BC Employment & Assistance) offer programs to help residents facing financial hardship. These programs provide financial assistance for basic needs and help with employment.
Ontario WorksAlberta Income Support
BC Employment & Assistance
Ontario Trillium Benefit
Combines the Ontario energy and property tax credit, the Northern Ontario energy credit, and the Ontario sales tax credit into one payment, helping low- to moderate-income residents with living expenses.
Learn MoreSocial Housing Programs
Provinces and municipalities offer subsidized housing options for low-income individuals and families, often managed by local housing corporations. These programs aim to provide safe and affordable housing.
Learn More (CMHC)Utility Bill Assistance
Many provinces and utility companies offer programs to help low-income households with their electricity, gas, and water bills. These can include grants, payment plans, or energy efficiency upgrades.
Learn More (Ontario)How to Apply & Eligibility
Basic Income Requirements
Eligibility for most programs is based on your adjusted family net income (AFNI). The income thresholds vary by program and are updated annually. Your most recent income tax return is crucial for determining your eligibility.
CRA Notice of Assessment (NOA)
Your NOA is a vital document from the Canada Revenue Agency. It confirms your income for the tax year and is often required as proof of income for benefit applications. Ensure you file your taxes annually to receive your NOA.
Application Methods
Applications can typically be made online through your My Account on the CRA website, Service Canada portal, or provincial government websites. Offline forms are also available, and Service Canada centres can offer in-person assistance.
Direct Deposit vs. Cheque
Direct deposit is the fastest and most secure way to receive your benefit payments. You can set it up through your online account with CRA or Service Canada. Cheque payments are also available but may take longer to arrive.
Documents You’ll Need
Social Insurance Number (SIN)
Your unique 9-digit number issued by Service Canada. Essential for all government benefits and employment in Canada.
Proof of Income
This can include your CRA Notice of Assessment (NOA), T4 slips, employment letters, or benefit statements. Demonstrates your financial situation.
Bank Information
Void cheque or direct deposit form for setting up direct deposit of your benefits. Ensures timely and secure payments.
Supporting Documents
Depending on the benefit: rental agreement (CHB), valid ID, child's birth certificate (CCB), or immigration documents (newcomers).
Frequently Asked Questions
What to Do If Denied / Delayed?
If your application is denied, carefully review the reason provided in the letter. You usually have a right to appeal. Gather any additional supporting documents and submit them according to the agency's instructions. For delayed payments, first check your online account (CRA My Account, Service Canada) for status updates, then contact the relevant agency directly. Always keep records of your communication.
How to Contest a Denial?
The process to dispute a denial varies by program. Generally, it involves submitting a request for reconsideration or an appeal to the agency that denied your application. Ensure you meet the deadline for appeals. Clearly explain why you believe the decision is incorrect and provide any new or overlooked information.
How to Reapply?
You can generally reapply for benefits if your circumstances change or if you've addressed the reasons for a previous denial. It's crucial to ensure all information is accurate and complete. If a previous issue was due to missing documents, ensure they are all included in your new application.
Whom to Call if Payment Not Received?
For federal benefits (like CCB, GST/HST Credit), contact the Canada Revenue Agency (CRA) at 1-800-959-8281. For Service Canada programs (like OAS), call Service Canada at 1-800-277-9914. For provincial benefits, consult your provincial government's official website for contact information.
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