Families in Ontario can expect three important benefit payments from the Canada Revenue Agency (CRA) in November 2025.
Below you’ll find the payment dates, who is eligible, and the potential amounts, so you can plan ahead confidently.
What’s being paid out in November 2025?
1) Ontario Trillium Benefit (OTB) — Monday, November 10, 2025
The OTB brings together the Ontario Sales Tax Credit (OSTC), Ontario Energy & Property Tax Credit (OEPTC) and Northern Ontario Energy Credit (NOEC) into one monthly payment.
If your 2024 tax return made you eligible, you’ll receive the November payment on Nov 10.
- OSTC maximum for 2025-26: up to $371 per adult or child (income-based).
- OEPTC & NOEC amounts vary by rent/property tax paid, region (including Northern Ontario), and family size.
- Monthly instalments rather than a lump sum unless you chose differently.
2) Canada Child Benefit (CCB) — Thursday, November 20, 2025
The CCB is a monthly tax-free payment aimed at families with children under 18. For benefit year July 2025–June 2026:
- Maximum for a child under 6: approx $7,997/year (~$666/month).
- Maximum for a child aged 6-17: approx $6,748/year (~$562/month).
Actual payments depend on family income (adjusted net income) and number/ages of children.
3) Child Disability Benefit (CDB) — Paid on November 20, 2025 (with the CCB)
If a child is eligible for the Disability Tax Credit (DTC), the CDB is a top-up payment. For July 2025–June 2026:
- Maximum CDB amount: approx $3,411/year (~$284/month).
- It is paid on the same date as your CCB so you don’t get two separate deposit dates.
Snapshot Table for November 2025 Payments (Ontario)
| Program | Eligible Recipients | Payment Date | Typical Max Amounts* |
|---|---|---|---|
| Ontario Trillium Benefit (OTB) | Ontario residents who qualified via 2024 tax return for OSTC/OEPTC/NOEC | Nov 10 2025 | OSTC: up to $371 adult/child annually; OEPTC/NOEC vary by rent/property tax/region |
| Canada Child Benefit (CCB) | Families with children under 18 with valid tax filings | Nov 20 2025 | Up to ~$7,997 per child <6; ~$6,748 per child 6–17 (annual) |
| Child Disability Benefit (CDB) | Families with children eligible for DTC | Nov 20 2025 | Up to ~$3,411/year (~$284/month) |
*Actual payment may be lower based on adjusted family net income (AFNI) and other eligibility criteria.
Why it matters
- These payments help families cover housing, energy, property tax, and child-care costs in Ontario.
- Knowing the exact dates means you can plan for November: for example, the OTB on the 10th, and the CCB/CDB together on the 20th.
- If you’re eligible but don’t receive the payment, it may mean your tax return or direct-deposit details need updating.
Action Steps to Ensure Smooth Payment
- File your 2024 tax return as soon as possible if you haven’t already—eligibility relies on it.
- Ensure your bank account information is up-to-date with the CRA (for direct deposit).
- If your child is eligible for the DTC, ensure that application is approved so you receive the CDB.
- For OTB, review your 2024 rent or property-tax records to confirm you met criteria for OEPTC/NOEC.
- Monitor your CRA account for any amount adjustments or notices in case your eligibility changes.
Ontario residents should prepare for three key benefit payments this November: the OTB on November 10, and the CCB plus CDB on November 20.
These payments are important sources of support for families dealing with the cost of living—from housing and energy to raising children.
By keeping your tax filings up to date and your banking info accurate, you’ll maximise the benefit and minimise any delays.
Remember: the amounts listed are maximums, and your actual payment may be lower if your income is higher or other eligibility conditions apply.
FAQs
Can I receive the OTB if I did not claim OSTC or OEPTC last year?
Only if you were eligible via your 2024 tax return for one of the component credits (OSTC, OEPTC, NOEC). If you didn’t apply, you may be missing out and should check your eligibility.
If my family’s income increased this year, will it affect the November CCB payment?
Yes. The CCB and CDB amounts are adjusted based on your adjusted family net income. If your income goes up above certain thresholds, your payment may be reduced.
What if I don’t receive my benefit payment on the expected date?
First check your CRA online account for any alerts or notices. Ensure your tax return was filed and your direct deposit information is correct. If everything is up to date, contact CRA to investigate.
