There has been a widespread rumour about a $3,900 monthly payment issued by the Canada Revenue Agency (CRA) in 2025.
Let’s demystify this claim. In this article, we present the latest factual information on CRA-administered programs (such as Canada Child Benefit, GST/HST Credit, Advanced Canada Workers Benefit, and the Canada Disability Benefit), including eligibility, maximum amounts, payment dates, and the application process.
We clarify that no single CRA program provides $3,900 per month, but several benefits combined may approach substantial sums annually.
Debunking the $3,900 Monthly Payment Myth
Firstly, it’s essential to confirm: no official CRA or federal announcement indicates the existence of a $3,900 monthly payment for 2025.
That figure appears to arise from misinformation or exaggerations. The CRA manages a variety of income-support programs, but none individually or collectively guarantees that figure monthly.
Below, we examine each key program with exact figures and dates for 2025.
Overview of Key CRA & Federal Benefits
Canada Child Benefit (CCB)
- Maximum annual amount per child:
- Up to $6,748 for children aged 6–17
- Up to $7,997 for children aged 0–5
- That translates to as much as $562 to $667 per month per child, depending on age.
GST/HST Credit
- Maximum annual amounts:
- $520 for an individual
- $589 for a couple
- Plus $231 per child
- These credits are tax-free and disbursed quarterly.
Advanced Canada Workers Benefit (ACWB)
- For 2024 base year (advance payments in 2025), maximum basic benefit:
- $1,590 for single individuals
- The rest of the amount (if eligible) is paid after tax filing. Up to half may be issued in advance.
Canada Disability Benefit (CDB)
- Maximum benefit is $2,400 annually (i.e., $200 per month)—with inflation adjustments.
Payment Dates for Major Benefits (2025)
Here’s a clear table showing the expected disbursement schedule for selected CRA benefits throughout 2025:
| Benefit Program | Frequency | Scheduled 2025 Dates | Notes |
|---|---|---|---|
| Canada Child Benefit (CCB) | Monthly (on the 20th) | January–June: typically 20th of each month July 2025–June 2026: same schedule | Exact dates can vary slightly |
| GST/HST Credit | Quarterly | July 5, October 5, January 5, April 5 (estimated) | Payment on 5th of those months |
| Advanced Canada Workers Benefit (ACWB) | Advance on three dates | July 11, October 10, January 10 (approximate) | Remaining amount after tax return |
| Canada Disability Benefit | Monthly | July 2025–June 2026: monthly on a fixed date | Consult Service Canada details |
Eligibility Criteria – Who Qualifies?
- CCB: Based on number of children, age, and family net income. Lower income families receive higher amounts.
- GST/HST Credit: Determined by adjusted net income and number of dependents.
- ACWB: For individuals and families in working low-income situations. Eligibility and amount depend on income level.
- Canada Disability Benefit: Applicants must meet disability criteria and income thresholds.
Application Process & How to Apply
Applying for CCB, GST/HST Credit, ACWB
- File your annual tax return. CRA uses tax data to assess eligibility for all these programs.
- No separate application is generally needed for GST/HST credit or CCB if your tax return is complete and accurate.
- For ACWB, there is a portion issued in advance—it requires indicating eligibility on your tax return.
- Monitor CRA My Account or sign up for Direct Deposit to receive payments promptly.
Applying for Canada Disability Benefit
- Application involves contacting Service Canada (not CRA).
- Provide necessary documentation, including confirmation of disability and income-related information.
How Close Can You Get to $3,900?
Let’s calculate the maximum possible monthly amount assuming eligibility across programs, for a hypothetical family with young child(ren) and disability needs:
| Component | Monthly Maximum Estimate |
|---|---|
| Canada Child Benefit (age 0–5) | $667 per child |
| GST/HST Credit (incl. 1 child) | Approx. $190 (quarterly avg.) |
| Advanced Canada Workers Benefit | Estimated $130 (annual total prorated) |
| Canada Disability Benefit | $200 monthly |
| Total Monthly Estimate | Up to $1,187 per household |
Even combining multiple CRA-administered benefits, it remains well below the $3,900/month mark. Thus, any claim of such a figure from a single federal CRA payment is inaccurate or misleading.
In short, there is no CRA program offering $3,900 per month in 2025.
Instead, the CRA offers several distinct federal benefit programs—Canada Child Benefit, GST/HST Credit, Advanced Canada Workers Benefit, and the Canada Disability Benefit—each with its own eligibility requirements, payment schedule, and maximum amounts.
When combined, they may significantly support low-income families or individuals, but still amount to under $1,200 per month in most scenarios.
You can apply for these benefits simply by filing your tax return and, for disability-related support, contacting Service Canada.
Stay informed and accurate—this is your best defense against misleading claims.
Frequently Asked Questions
Is there really a $3,900 monthly CRA payment in 2025?
No. There is no single program that pays $3,900 monthly. That amount is a rumour, and many official benefits combined still fall significantly short of that total.
How do I qualify for CRA benefits like CCB or GST/HST credit?
You need to file your annual income tax return. CRA evaluates eligibility based on income, family situation, and other factors. Ensure your return is accurate and up to date.
When can I expect to receive the Canada Disability Benefit?
If you apply and are approved, you should begin receiving payments, at approximately $200 per month.