Canada November 2026 payment dates calendar with a Canadian flag

Canada November 2026 Payment Dates: OTB Lands Today, CPP and OAS on November 26

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Canada November 2026 payment dates are now in full swing, and the first one lands today. If you live in Ontario and get the Ontario Trillium Benefit, your November payment arrives today, Tuesday, November 10. The rest of the month follows a steady rhythm: the Canada Disability Benefit on November 19, the Canada Child Benefit on November 20, and the big pension day — CPP, Old Age Security and the Guaranteed Income Supplement together — on Thursday, November 26.

November is one of the busiest payment months of the year. Seven separate benefits land between today and November 30, and they come from two different payers: the Canada Revenue Agency handles the tax-credit style benefits, while Service Canada pays the pensions. That split is worth knowing, because if one deposit is missing, the office you call depends on which benefit it is.

Ontario Trillium Benefit lands today, November 10

The Ontario Trillium Benefit is a tax-free monthly payment the CRA sends on behalf of Ontario, and it bundles three credits into one deposit: the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit. You do not need to apply separately for the combined payment. Filing your tax return — and the ON-BEN form for the energy and property tax credits — is the application.

The energy and property tax credit alone is worth up to $1,488 a year if you are 65 or older, and up to $1,307 if you are 18 to 64. What you actually get depends on your rent or property tax and your income, so most people receive less than the maximum. Payments run monthly on the 10th, or the last working day before it when the 10th falls on a weekend or holiday. November 10 is a Tuesday, so the full amount lands on the day itself.

This payment belongs to the benefit year that runs July 2026 to June 2027, and it is calculated from your 2025 tax return. The last OTB payment of 2026 follows on December 10. If your deposit does not show up, the CRA asks you to wait 10 working days before calling the benefits line at 1-800-387-1193.

The pension day: CPP, OAS and GIS on November 26

Thursday, November 26 is the date most Canadian seniors will be watching. CPP, OAS and GIS are all paid the same day, on the third-to-last business day of the month. CPP and OAS may still show up as separate deposits in your account, which is normal.

The amounts in this round are the 2026 rates. The maximum CPP retirement pension at age 65 is $1,507.65 a month, though very few people receive the maximum — it takes a full career of maximum contributions. OAS for October to December 2026 is $762.50 a month for ages 65 to 74 and $838.75 for 75 and over, and the Guaranteed Income Supplement tops out at $1,138.90 a month for a single senior. GIS is income-tested, so the amount shrinks as other income rises.

One date to put in the diary now: December’s pension payment comes early, on December 22, because of the Christmas holidays. That is the last CPP and OAS payment of 2026. For what changes on the payroll side in January, including the CPP rate cut to 5.75 percent, see our CPP and EI 2027 guide.

Families: CCB on November 20, Alberta’s quarterly payment on November 27

The Canada Child Benefit lands on Friday, November 20. For the current benefit year, July 2026 to June 2027, the maximum is $8,157 a year — $679.75 a month — for each child under 6, and $6,883 a year — $573.58 a month — for each child aged 6 to 17. Those maximums go to families whose adjusted family net income is under $38,237, based on the 2025 tax return. Above that, the amount phases down.

Note the figure carefully if you have seen older guides. The $7,997 and $6,748 maximums were last year’s rates. The CRA indexed the CCB by 2 percent in July 2026, so the current numbers are higher. Our Canada Child Benefit 2026 guide explains who qualifies and how the phase-out works. December’s CCB payment also comes early, on December 11.

Alberta families get their quarterly Alberta Child and Family Benefit on Friday, November 27. The benefit has two parts: a base component worth up to $1,529 a year for one child, and a working component worth up to $782 for a family with employment income above $2,760. Together, a family with four or more children can receive up to $5,882 a year. The November payment is the last ACFB payment of 2026.

Canada Disability Benefit on November 19 — and two dates the calendar adds

The Canada Disability Benefit arrives on Thursday, November 19, its third-Thursday-of-the-month slot. The maximum is $204.20 a month for the July 2026 to June 2027 benefit year, and the amount is income-tested against your 2025 return. December’s payment, on December 17, will be the last one of the year.

Two smaller dates round out the month. Newfoundland and Labrador’s disability benefit lands on Wednesday, November 25, and the veteran disability pension is paid on Friday, November 27. Quebec runs on its own calendar: the Quebec Pension Plan is paid on Monday, November 30, the last working day of the month, by Retraite Québec rather than Service Canada.

What is not landing in November

There is no Groceries and Essentials Benefit payment in November or December. The next CGEB payment is confirmed for January 5, 2027 — up to $679 a year for singles. The Advance Canada Workers Benefit has also finished its 2026 run — its three payments were January 12, July 10 and October 9. And the Canada Carbon Rebate is closed for good; its last payments were in January and April 2025.

The 2027 payment calendar has not been published yet. The canada.ca calendar still lists only 2025 and 2026 dates, so the January dates you may see online — January 27 for CPP and OAS, January 20 for the CCB — are estimates based on the usual pattern, not official dates. Only the CGEB’s January 5 date is confirmed. Our Canada January 2027 hub separates what is confirmed from what is still a projection. Check the calendar again in December before planning January bills around an estimated date.

If a payment is late

Payments are issued on the dates listed, but they can take a few days to arrive, and mailed checks take longer than direct deposit. The government asks you to wait 5 to 10 business days before contacting the program. Direct deposit is the fastest fix for next month if you are still getting checks — you can set it up through your CRA or Service Canada account.

One warning that applies every month: the government will never text you about a benefit payment. Messages claiming a payment is at risk or asking you to click a link are scams. If you are unsure, check the date on canada.ca yourself rather than following a link in a message.

FAQ

When is the next CPP and OAS payment in November 2026?

Thursday, November 26, 2026. CPP, Old Age Security and the Guaranteed Income Supplement are all paid the same day. The December payment comes early, on December 22, 2026.

What benefit is paid today, November 10, 2026?

The Ontario Trillium Benefit. It is paid monthly on the 10th by the CRA on behalf of Ontario, and it combines the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit and the Ontario Sales Tax Credit into one tax-free deposit.

When is the Canada Child Benefit paid in November 2026?

Friday, November 20, 2026. The maximum for July 2026 to June 2027 is $679.75 a month per child under 6 and $573.58 a month per child aged 6 to 17, for families with adjusted family net income under $38,237.

When is the Canada Disability Benefit paid in November 2026?

Thursday, November 19, 2026. The maximum is $204.20 a month for the July 2026 to June 2027 benefit year. The next payment after that is December 17, the last CDB payment of 2026.

Are there any benefit payments in November for Quebec?

Yes. The Quebec Pension Plan is paid on Monday, November 30, 2026, the last working day of the month, by Retraite Québec. OAS and GIS still come from Service Canada on November 26 for Quebec residents.

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