Missed Years of RESP Grants? The $7,200 Catch-Up Math
You can catch up on missed CESG room, but only $1,000 of grant per year. The good news: because grant room accrues for 18 years and the lifetime cap is $7,200, you can start as late as the year your child turns 10 and still collect every dollar.
Canada Child Benefit Recalculation: What Families Earning Under $38,237 Receive This Fall
The July 2026 CCB recalculation locks in your payments through June 2027. Families with 2025 income under $38,237 get the full $8,157 per child under 6 and $6,883 per child aged 6 to 17 — here are the exact amounts, fall payment dates, and what triggers another recalculation.
OAS Clawback Canada 2026: Income Thresholds and How to Avoid It
OAS recovery tax starts at $95,323 of net world income in 2026 and claws back 15 cents on every dollar above it. Here's exactly how the thresholds work, which income counts, and the legal levers that actually reduce your clawback.
CPP at 60 vs 70 Canada 2026: When Should You Start Taking CPP?
Starting CPP at 60 means a permanent 36% cut; waiting to 70 means a permanent 42% boost. See the real math on the January 2026 maximum and average payments, and how to pick the right age for your situation.
How EI Waiting Period Works in Canada: The 1-Week Rule
The EI waiting period is normally 1 unpaid week—but it's currently waived for tariff-impacted workers through October 10, 2026. See exactly when your first payment arrives and how much to expect.
September 2026 Benefit Payments Canada: Complete Calendar
CCB, OAS, CPP, GIS and Canada Disability Benefit payments all land September 17. OAS pays $751.97, or $827.17 at 75+, and there is no GST/HST credit deposit.
How to Apply for EI in Canada: Step-by-Step Guide
Apply for EI within 4 weeks of your last day. The maximum benefit is $729 a week on $68,900 of insurable earnings. Documents, timelines and mistakes to avoid.
EI Denied in Canada? Your Next 4 Income Options
Appeal an EI denial within 30 days through the Social Security Tribunal. The CWB pays families up to $2,869 in 2026, plus provincial help and RRSP/TFSA options.
OAS 2026: How Much You’ll Get (October Update), Clawback & How to Maximize It
OAS 2026 payments: $751.97 a month for July to September, rising to $762.50 in October, plus the clawback thresholds, deferral math and GIS rules.
Guaranteed Income Supplement 2026: Eligibility, Application, and the RRSP Trap
GIS pays up to ~$1,123/month tax-free (updated for the July 2026 increase) on top of your $751.97 OAS — approximately $1,875/month combined, or $22,500/year tax-free. Online via MSCA (4-6 weeks) vs. paper form ISP-3025 (6-10 weeks). Critical planning insight: TFSA withdrawals don't count against GIS, but RRSP/RRIF withdrawals do. Also updated: the GST credit was replaced by the CGEB in July 2026.