BENEFITS
What the government offers, and who can get it
Benefits sit across three levels of government, each with its own site and its own name for the same idea, and no index crosses them. Here they are sorted by who they are for, each linking to the official page.
For Children4
- How to Apply for EI Maternity and Parental BenefitsThe Government of Canada provides financial assistance to people who are away from work due to pregnancy, recent birth, or caring for a newborn or newly adopted child. This article summarizes eligibility, amounts, options, and application points based on official sources.
- 🏔OSAP: Ontario Student Assistance ProgramOSAP is Ontario's student assistance program offering loans and grants. This article summarizes official information on eligibility, application steps, and repayment, with links to official sources.
- Canada Learning Bond (CLB): Free Government Money for Your Child's EducationThe Canada Learning Bond (CLB) is a government benefit for low-income families to help save for a child's education, even without personal contributions. Learn the basics and how to apply.
- How to Apply for the Child Disability Benefit (CDB)The Child Disability Benefit (CDB) is a tax-free monthly payment for families caring for a child under 18 with a severe and prolonged impairment. Eligible families receiving the Canada Child Benefit (CCB) with a child approved for the Disability Tax Credit (DTC) get it automatically.
For Adults7
- 🏔Ontario Trillium Benefit (OTB): The Three-in-One PaymentThe Ontario Trillium Benefit (OTB) is a tax-free payment from the Ontario government that combines three credits to help low-to-moderate income residents with energy costs and taxes.
- Canada Caregiver Credit: Tax Relief for Supporting FamilyThe Canada caregiver credit is a non-refundable tax credit that helps taxpayers who support a spouse or dependant with a mental or physical infirmity. This article covers eligibility, claim amounts, required documents, and how to claim.
- Registered Disability Savings Plan (RDSP): The One with the Highest Government MatchingThe RDSP is a savings plan for individuals approved for the Disability Tax Credit (DTC) to save for long-term financial security. The government contributes through grants and bonds, but contributions are not tax-deductible. This article summarizes official rules with links.
- How to Apply for the Canada Disability Benefit (CDB)The Canada Disability Benefit (CDB) provides direct financial support to persons with disabilities aged 18 to 64. Eligibility starts June 2025, payments begin July 2025. Payments start the month after approval, with possible back payments up to 24 months.
- 🏔Ontario Disability Support Program (ODSP): Eligibility, Monthly Amounts, and Relationship with Federal Disability BenefitsODSP is Ontario's income support and health benefits program for people with disabilities. This article summarizes eligibility, amounts, and application process based on official sources, noting that the Canada Disability Benefit does not affect ODSP eligibility.
- 🏔Ontario Works Financial Assistance Application GuideLearn about Ontario Works, a program in Ontario that provides financial assistance for food, housing, and health benefits. This guide covers eligibility, application steps, and official sources.
- Disability Tax Credit (DTC): A Benefit Many MissThe Disability Tax Credit (DTC) is a non-refundable tax credit from the Government of Canada for persons with severe and prolonged impairments or their supporting family members, reducing income tax payable. This article explains what it is and how to apply.
For Seniors4
- Home Accessibility Tax Credit for SeniorsThe federal Home Accessibility Tax Credit (HATC) helps cover costs of renovations that make a home safer and more accessible. This article explains eligibility, eligible expenses, credit amount, and how to claim.
- How to Apply for CPP Disability BenefitsThe Canada Pension Plan disability benefit is a monthly payment for Canadians aged 18 to 65 who cannot work due to disability. This article summarizes official eligibility, amounts, and application steps.
- After a Loved One Dies: CPP Death Benefit and Survivor's BenefitsThe Canada Pension Plan (CPP) death benefit is a one-time payment to the estate or eligible individuals on behalf of a deceased contributor. This article explains eligibility, amount, application steps, and official sources.
- Allowance: A Benefit for Spouses Aged 60-64The Allowance is a monthly tax-free benefit for Canadians aged 60-64 with low income whose spouse is eligible for GIS. Learn about eligibility and application timing.
🍁 federal · 🏔 provincial · 📍 municipal. Amounts and eligibility change, and we do not assess your case — check the official link at the foot of each guide.
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