Imagine your paycheck just isn’t stretching like it used to. Rent, groceries, medicines—everything feels more expensive. To help out, Canada is giving a one-time tax-free payment of $2,200 on October 29, 2025, to help people cope with rising costs.
This isn’t a permanent program, but for many, it offers a helpful short-term boost. Let’s break down who gets it automatically, who must apply, and how to make sure you don’t miss out.
What the $2,200 Payment Is All About
The $2,200 payment is a one-time, targeted amount designed to help people with daily costs—like rent, groceries, medicine, and bills. It’s fully tax-free, and it won’t reduce your other benefits. This is not a monthly or yearly benefit—it’s a special extra to ease pressure from high inflation.
Who Will Get It Automatically
If you already receive certain federal benefits, you’ll get this payment automatically, without applying:
- Old Age Security (OAS) – Service Canada
- Guaranteed Income Supplement (GIS) – Service Canada
- Canada Pension Plan Disability (CPP-D) – Service Canada
If your name is on those lists, the $2,200 will arrive via direct deposit or a cheque on October 29, 2025.
Who Needs to Apply
If you’re a low-income Canadian but not getting OAS, GIS, or CPP-D, you can still get the $2,200—but only if you apply by September 30, 2025.
To qualify, your income must be:
- Single person: less than $35,000 gross per year
- Couples or households: combined income less than $45,000 gross per year
You can apply online via CRA My Account or send an application by paper mail to Service Canada. Make sure your banking details are up to date with the CRA so the payment goes smoothly.
Payment Date and Method
Here’s how and when you’ll receive the money:
| Payment Type | Date / Timing |
|---|---|
| Direct deposit | October 29, 2025 |
| Mailed cheque | 5–10 business days after October 29 |
Direct deposit is quickest and safest, but you can choose a cheque if that’s better for you.
How You Can Use the Money
There’s no rule book about how to spend it, but the point is clear: it’s meant to help with essentials, such as:
- Rent or mortgage
- Utility bills
- Groceries and household items
- Prescription medication
- Transportation (like buses, taxis, fuel)
This $2,200 one-time payment from the federal government is a valuable help for people feeling the strain of rising costs. If you already get OAS, GIS, or CPP-D, the money comes automatically—no action needed.
Others can apply if their income is below the limits, but the deadline is September 30, 2025, so don’t delay. The funds arrive on October 29, 2025, most quickly through direct deposit. You can use it freely on essentials—rent, groceries, bills, medicine, and more.
This payment is tax-free and does not affect your other benefits, offering real support when inflation is pressing in. Be sure to check your banking info and apply early if needed, and remember, no fees or tricks—only help from the government.
FAQs
Will this payment affect my other benefits like GIS?
No, it’s completely separate. You keep getting your GIS, OAS, CPP-D, and this doesn’t count as income. It’s also tax-free.
I get CPP retirement, not CPP-D. Do I still qualify?
You’re not automatic. CPP retirement alone doesn’t qualify. But if your income is low enough, you can apply by September 30, 2025.
I missed the September 30 deadline. Now what?
I’m sorry—but this $2,200 one-time program won’t accept late applications. You’ll need to wait for another relief program in the future.