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Canadian benefit guides

Plain-language explainers for federal and provincial programs: who qualifies, current amounts, when they pay and how to apply. Each guide links to the official source and shows when it was last checked.

Start from what's happening in your life

Having a babyA new baby opens up several federal and provincial benefits, most of which start from one application. Doing…Turning 65At 65 you become eligible for Old Age Security and possibly the Guaranteed Income Supplement, and several…Losing your jobIf you lose your job, Employment Insurance is usually the first step, but your lower income may also qualify…Living with a disabilityMany disability supports depend on first getting the Disability Tax Credit approved. From there you can access…After a deathWhen someone dies, survivors may be entitled to one-time and ongoing payments, and some benefits must be…New to CanadaNewcomers can get several benefits soon after arrival, but most require a tax filing record. Getting a SIN and…Separation or divorceA separation changes your family income for benefit purposes, which can increase what you receive. You must…Going to schoolStudents can get federal and provincial grants and loans, plus tax credits once they file. Savings in an RESP…

Federal programs

Housing

  • Home Accessibility Tax Credit (HATC)This credit lowers your tax when you renovate a home to make it safer or easier to use for a senior or a person with a…
  • Home Buyers' Plan (HBP)The Home Buyers' Plan lets you borrow from your RRSP, tax-free, to buy or build your first home. You must pay the money…

Provincial programs

British Columbia all programs we check

  • Rental Assistance ProgramRAP gives monthly rent help to low-income working families in B.C. renting in the private market. BC Housing administers…
  • Shelter Aid For Elderly RentersSAFER gives monthly cash help with rent to B.C. renters aged 60 or older with low to moderate incomes. BC Housing runs…

Manitoba all programs we check

Quebec all programs we check

Which of these could you get?

Answer a few anonymous questions and our AI checks federal, provincial and local programs for your household — with estimated amounts and how to apply. No name, SIN or address needed.

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BenefitCanada is independent and not affiliated with any government. This guide summarizes official sources in plain language; rules and amounts change, so always confirm on the official page before applying.