Settling into a new country can be challenging—but Canada offers meaningful support for newcomers from day one. Whether you’re a permanent resident, protected person, or temporary resident (such as a student or worker), there are numerous federal benefits and credits designed to ease your transition and help your family thrive.

In June 2025, the Canada Revenue Agency (CRA) made it even easier for newcomers to access these benefits through a user-friendly online system.

Who Is Considered a Newcomer?

For benefit eligibility, CRA defines a newcomer as someone in their first year as a Canadian resident for income tax purposes, including:

• Permanent residents
• Protected persons (refugees)
• Temporary residents (students, workers, permit holders)

As soon as you become a tax resident, you’re eligible to apply for federal benefits—often even before your first tax return is filed

Key Federal Benefits Available to Newcomers

1. Canada Child Benefit (CCB)

A tax-free monthly payment to support families with children under 18.

• Eligibility: You (or your spouse/common-law partner) must be a permanent resident, protected person, or a temporary resident who has lived in Canada for 18 months and holds a valid permit in the 19th month.
• New for 2025–2026: Maximum annual benefit will increase to $7,997 for children under 6, and $6,748 for those aged 6–17

2. GST/HST Credit

A quarterly, tax-free payment helping offset GST/HST costs for low- and modest-income individuals and families.

• Use Form RC151 to apply early.
• For 2025:
  • Up to $519/year for single individuals
  • Up to $680/year for couples
  • Additional $179 per child under 19

3. Canada Carbon Rebate (CCR)

Free quarterly payments to offset federal carbon pricing. Though the last payment was issued in April 2025, eligible newcomers may still apply for retroactive payments.

4. Canada Workers Benefit (CWB)

A refundable tax credit helping low-income workers boost their earnings. It is claimed automatically when you file your tax return.

5. Provincial and Territorial Add‑Ons

Many provinces offer extra benefits—such as the Ontario Trillium Benefit or the BC Child Opportunity Benefit—that are automatically considered when you apply for federal benefits or file your taxes.

For further information don’t hesitate to get in touch with Unity Financial Services at 438 701 3770