Ottawa, January 31, 2026 — As February 2026 begins, millions of Ontario residents are set to receive up to three Canada Revenue Agency (CRA) benefit payments during the month. These scheduled payments play a critical role in helping families, low to moderate income households, and seniors manage rising living costs.
One of the three benefits has already increased as of January 2026, while the other two are moving toward mid-2026 recalculations and indexed increases. However, not everyone will receive all three payments, and actual amounts can vary significantly depending on income, household size, age, and tax filing history.
This guide provides a complete breakdown of all CRA benefit payments coming in February 2026 for Ontario residents, including eligibility rules, payment dates, maximum amounts, upcoming increases, and how income changes can affect what you receive.
Ontario residents may receive payments from the following programs in February 2026:
| Benefit Program | Payment Date (February 2026) | Who It Supports |
|---|---|---|
| Canada Child Benefit (CCB) | February 20, 2026 | Families with children under 18 |
| Ontario Trillium Benefit (OTB) | February 10, 2026 | Low to moderate income Ontario residents |
| CPP and OAS | February 25, 2026 | Seniors and retirees |
Each program operates under different rules and calculation methods, which is why it is possible to receive one benefit but not the others.
The Canada Child Benefit (CCB) is one of the most important monthly income supports for families in Ontario. It is a tax-free payment designed to help with the cost of raising children under the age of 18.
In high cost provinces like Ontario, where housing, food, transportation, and childcare consume a large portion of household income, the CCB often provides the most reliable monthly financial relief.
To receive the CCB, you must generally meet all of the following conditions:
In shared custody arrangements where a child lives between 40 percent and 60 percent of the time with each parent, the CRA typically splits the benefit equally between both eligible caregivers.
Temporary residents may also qualify for the CCB if they meet specific criteria, including:
The CRA may request additional documentation from newcomers or temporary residents. Delays usually occur due to missing paperwork rather than ineligibility.
February 2026 falls within the July 2025 to June 2026 benefit year, meaning the following maximum amounts apply:
| Child Age | Annual Maximum | Monthly Maximum |
|---|---|---|
| Under 6 years | $7,997 | $666.41 |
| Ages 6 to 17 | $6,748 | $562.33 |
These maximum amounts are income tested, so families with higher adjusted family net income receive reduced payments.
Families with children eligible for the Disability Tax Credit may receive the Child Disability Benefit, which adds up to:
| Benefit | Maximum Annual Amount |
|---|---|
| Child Disability Benefit | $3,411 per child |
This amount is added automatically once eligibility is approved.
The February 2026 CCB payment date is February 20, 2026.
Full CCB payment schedule for 2026:
| Month | Payment Date |
|---|---|
| February | February 20 |
| March | March 20 |
| April | April 20 |
| May | May 20 |
| June | June 19 |
| July | July 20 |
| August | August 20 |
| September | September 18 |
| October | October 20 |
| November | November 20 |
| December | December 11 |
Direct deposit remains the fastest and most reliable way to receive payments.
CCB payments are recalculated every July based on:
For July 2026 to June 2027, maximum payments are expected to increase by approximately 2 percent.
| Child Age | Expected Annual Max | Approx Monthly |
|---|---|---|
| Under 6 years | $8,157 | $679 |
| Ages 6 to 17 | $6,883 | $573 |
Income thresholds for benefit reduction will also increase, helping offset inflation driven income growth.
The Ontario Trillium Benefit (OTB) is a monthly payment that combines three provincial credits into one deposit, administered by the CRA.
It helps Ontario residents offset costs related to sales tax, housing, and energy expenses.
The OTB includes:
You may qualify for one, two, or all three credits, with the CRA combining them into a single monthly payment.
To qualify, you must generally:
Temporary residents may qualify if they are considered residents for tax purposes and lived in Ontario on December 31.
February 2026 payments fall under the July 2025 to June 2026 benefit cycle.
| Category | Maximum Annual Amount |
|---|---|
| Eligible adult | $371 |
| Eligible child | $371 |
| Household Type | Maximum Amount |
|---|---|
| Non-seniors | Up to $1,283 |
| Seniors | Up to $1,461 |
| Household Type | Maximum Amount |
|---|---|
| Single individual | $185 |
| Families and couples | $285 |
The February 2026 OTB payment date is February 10, 2026.
OTB is typically paid on the 10th of each month, adjusted if it falls on a weekend or holiday.
For the July 2026 to June 2027 cycle, maximum credits increase as follows:
| Credit | New Maximum |
|---|---|
| Ontario Sales Tax Credit | $378 per adult or child |
| OEPTC non-seniors | Up to $1,307 |
| OEPTC seniors | Up to $1,488 |
| Northern Ontario Energy Credit | Up to $290 |
Actual payment changes depend heavily on your 2025 income.
Seniors in Ontario rely on Canada Pension Plan (CPP) and Old Age Security (OAS) payments as stable monthly income.
While not income tested in the same way as family benefits, these programs follow strict eligibility rules.
CPP eligibility requires:
As of January 2026, the maximum CPP retirement pension at age 65 is:
| Benefit | Monthly Maximum |
|---|---|
| CPP Retirement Pension | $1,507.65 |
Most recipients receive less than the maximum.
OAS eligibility is based on age and years of residence in Canada.
| Age Group | Monthly Maximum |
|---|---|
| Ages 65 to 74 | $742.31 |
| Ages 75 and over | $816.54 |
Higher income seniors may face partial repayment through the OAS recovery tax.
The February 2026 CPP and OAS payment date is February 25, 2026.
| Month | Payment Date |
|---|---|
| February | February 25 |
| March | March 27 |
| April | April 28 |
| May | May 27 |
| June | June 26 |
| July | July 29 |
| August | August 27 |
| September | September 25 |
| October | October 28 |
| November | November 26 |
| December | December 22 |
February 2026 is a key month for CRA benefit payments in Ontario. Families, working households, and seniors may receive up to three separate deposits that help offset everyday costs.
With July 2026 recalculations approaching, staying current with tax filings, updating family information, and understanding payment schedules remain the best ways to avoid surprises and protect your benefits.
