As February 2026 begins, many Ontario residents will receive scheduled benefit payments administered by the Canada Revenue Agency (CRA) and Service Canada.

The three primary payments expected this month are:

• Ontario Trillium Benefit (OTB) – February 10, 2026
• Canada Child Benefit (CCB) – February 20, 2026
• Canada Pension Plan (CPP) and Old Age Security (OAS) – February 25, 2026

While eligibility varies by program, understanding the payment schedule and requirements can help households plan their monthly finances more effectively.

1. Ontario Trillium Benefit (OTB) — February 10, 2026

What the OTB Covers

The Ontario Trillium Benefit combines three provincial credits into one monthly payment:

• Ontario Sales Tax Credit
• Ontario Energy and Property Tax Credit
• Northern Ontario Energy Credit

It helps offset costs related to sales tax, rent, property taxes and energy bills.

Who Qualifies?

To receive OTB, you generally must:

• Be an Ontario resident
• File your latest tax return
• Have paid rent, property tax or energy costs in Ontario

Amounts depend on household income, family size and housing costs reported on your 2024 tax return.

Payment Timing

• Deposit Date: February 10, 2026
• Direct deposit recipients receive funds the same day
• Mailed cheques may take several business days

2. Canada Child Benefit (CCB) — February 20, 2026

Why the CCB Matters

The CCB provides tax-free monthly payments to families with children under 18. It helps cover everyday costs such as:

• Food and clothing
• Childcare expenses
• School supplies
• Extracurricular activities

How Eligibility Is Determined

The February 2026 payment is based on:

• Adjusted family net income from your 2024 tax return
• Number of children
• Age of children
• Eligibility for disability supplements

Lower-income families typically receive higher monthly amounts.

Payment Date

• Deposit Date: February 20, 2026
• Direct deposit is fastest
• Cheques may arrive a few days later

3. CPP and OAS — February 25, 2026

Canada Pension Plan (CPP)

CPP provides retirement income based on lifetime contributions. It also includes disability and survivor benefits.

Old Age Security (OAS)

OAS provides monthly payments to seniors aged 65 and older, based primarily on residency. Some recipients also qualify for the Guaranteed Income Supplement (GIS) if income is low.

Payment Date

• Deposit Date: February 25, 2026
• Applies to both CPP and OAS
• Direct deposit recommended to avoid delays

Combined retirement benefits may form a significant portion of monthly income for Ontario seniors.

How to Ensure You Receive Payments on Time

1. File Your Taxes

Most CRA-administered benefits rely on your most recent tax return. Filing ensures:

• Accurate benefit calculation
• Continued eligibility
• No interruption in payments

2. Set Up Direct Deposit

Direct deposit:

• Reduces delays
• Ensures secure payment delivery
• Speeds up access to funds

You can update banking details through CRA My Account.

3. Keep Personal Information Updated

Report changes to:

• Address
• Marital status
• Number of dependents
• Banking information

Outdated records are a common reason for payment disruptions.

4. Monitor CRA My Account

CRA My Account allows you to:

• View scheduled payments
• Confirm benefit amounts
• Track payment history
• Update personal details

Checking your account regularly helps prevent surprises.

Why These February Payments Matter

With rising costs for housing, groceries and utilities, scheduled benefits provide important financial stability for:

• Families with children
• Low-income households
• Seniors on fixed incomes

Although not everyone qualifies for every payment, those who do may rely on these funds for essential monthly expenses.

Frequently Asked Questions

When is the Ontario Trillium Benefit paid in February 2026?

February 10, 2026.

When will the Canada Child Benefit arrive?

February 20, 2026.

When are CPP and OAS paid?

Both are scheduled for February 25, 2026.

Do I need to apply each month?

No. Once approved, payments continue automatically as long as eligibility remains.

What if I haven’t filed my taxes?

Benefits may be delayed or suspended until your return is filed.

Is direct deposit required?

No, but it is the fastest and most secure payment method.