Government Benefits

Canadian Government Benefits

Plain-language guides to major federal benefit programs — who qualifies, what the income thresholds are, and how to apply. Every dollar amount and threshold on these pages is date-stamped: government benefit figures re-index annually.

Canada Disability Benefit (CDB)

DTC required

Monthly, non-taxable financial support for working-age Canadians with disabilities. Maximum $200/month ($2,400/year) for the July 2025 – June 2026 benefit year.

Who: Canadians aged 18–64 with an approved Disability Tax Credit (DTC)

Income cap: $23,000 (single) / $32,500 (couple) for full benefit — as of 2026-07

Income-tested · Non-taxable · Annual index

Canadian Dental Care Plan (CDCP)

All ages

Federal dental coverage for eligible Canadians without private dental insurance. Now open to all ages. Administered by Sun Life; providers bill Sun Life directly.

Who: Canadians with no private dental insurance and family income under $90,000

Income cap: Under $90,000 adjusted family net income — as of 2026-07

No private insurance required · Annual renewal

More benefits coming

Future guides will cover GST/HST Credit, Canada Child Benefit (CCB), Old Age Security (OAS), Guaranteed Income Supplement (GIS), and the First Home Savings Account (FHSA).

Need the Disability Tax Credit (DTC) first?

The DTC is the mandatory gateway to the Canada Disability Benefit. If you don't have an approved DTC yet, start there.

Disability Tax Credit guide →

Last verified: July 2026 · Benefit figures change annually — verify at canada.ca before applying.