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.
GST Rebate on New Homes 2026: First-Time Buyer Rules
Bill C-4 received Royal Assent March 12, 2026 — up to $50,000 federal GST rebate on new homes under $1M, retroactive to agreements signed on or after May 27, 2025. Critical addition: Ontario's new provincial HST rebate (announced Oct 2025) stacks on top, potentially reaching $130,000 combined on a $1M home. Complete eligibility rules, the spouse/separation nuance most guides miss, and step-by-step application guide.
How EI Benefits Are Calculated in Canada
EI pays 55% of average weekly insurable earnings, capped at $729 a week on $68,900. Worked examples show $660 and $729 weekly, plus the 1.63% premium rate.
How Is CPP Calculated in 2026? Formula, Maximum & Why Most Get Less
How CPP is calculated in 2026: the formula, dropout rules, CPP2, the $1,507.65 maximum, and how starting at 60, 65 or 70 changes your monthly payment.
How the Canada Child Benefit Is Calculated
July 2026-June 2027 CCB payments use your 2025 tax return. Maximums are $8,157 per child under 6 and $6,883 for ages 6-17, and RRSP contributions can raise it.
July 2026 Benefit Increases: Exact CCB, OAS & CGEB Amounts
july-2026-benefit-increases-canada-ccb-oas-cgeb Excerpt: CCB max: $8,157/child under 6 (July 2026). OAS: $751.97/month 65-74, $827.17 for 75+ (1.2% Q3 increase, July 29). CGEB = 25% more than old GST credit permanently until 2031. Deferring OAS to 70 = $1,022.68/month (not $989 — that uses the outdated Q2 rate). Payment dates: CGEB July 5, CCB ~July 18-21, OAS July 29.
Free Heat Pumps & Home Retrofit Grants in Canada 2026: What’s Still Open and Who Qualifies
Which Canadian home retrofit and heat pump programs are still open in late 2026, who qualifies for no-cost CGHAP upgrades, and what replaced Greener Homes.
OAS Deferral to 70: Is the Extra $200/Month Worth It?
OAS at 65: $743.05/month. OAS at 70: $1,010.55/month (+36%). Break-even age: ~84. OAS clawback starts at $95,323 in 2026. GIS income test: ~$22,500. Complete deferral calculator with tables and the 1% who actually delay.
5 CRA Payments Coming in June 2026—Are You Missing One?
5 CRA payments in June 2026: GST top-up (June 5), OTB (June 10), Disability Benefit (June 18), CCB (June 19), CPP/OAS (June 26). Seniors get up to $2,325.01. Full checklist to confirm you're missing nothing.
4 Benefits Canadian Seniors Miss Every Year
Government benefits Canadian seniors miss 2026: GIS up to $1,086.88/month (single), Allowance $1,409.72, Survivor Allowance $1,680/month. Plus CPP $1,507.65, OAS $743.05. How to apply + 11 months retroactive.