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The Ontario Trillium Benefit (OTB) is a monthly payment you get from the province of Ontario. It helps low-to-moderate income households in Ontario pay for energy costs and assorted taxes. It is not a personal loan but you do have to apply to get the benefit.

With the cost of life being tough for many individuals, the OTB was introduced to provide relief for energy, property taxes, and sales tax. 

Here is everything to know about the Ontario Trillium Benefit and the OTB payment dates.

Ontario Trillium Benefit Summary – Key Points You Should Know 

  • The OTB is a refundable credit for Ontario residents to help offset certain living costs. 
  • The OTB payments are made on the 10th of each month. 
  • The OTB is made of up three different programs: Northern Ontario Energy Credit (NOEC), Ontario Energy and Property Tax Credit (OEPTC), and Ontario Sales Tax Credit (OSTC).

What Is The Ontario Trillium Benefit (OTB)?

The OTB is a refundable tax credit designed to provide financial relief for low-to-moderate-income Ontarians. It aims to offset some of the living costs homeowners face, such as utility bills and property taxes. The benefit is a combination of the following three credits:

Northern Ontario Energy Credit (NOEC)

The Northern Ontario Energy Credit is a tax-free payment that assists Northern Ontarians with the high energy costs they contend with living in the north.

Ontario Energy and Property Tax Credit (OEPTC)

The Ontario Energy and Property Tax Credit is a tax-free payment that helps Ontario residents cover their property taxes and the sales tax on their energy costs.

Ontario Sales Tax Credit (OSTC)

The Ontario Sales Tax Credit is a tax-free payment designed to offset a portion of the sales tax Ontarians pay for goods and services.

When Are The Ontario Trillium Benefit Payments Issued

The OTB payments are on the 10th of each month. Payments start from July to June of next year. So if you file your income tax by the due date (April 30th), you can start receiving your Trillium payments by July. Do note, that if the 10th of the month falls on a weekend or statutory holiday, the OTB payment is issued on the last working day before the 10th.

Ontario Trillium Benefit Payment Dates 2024

January 10, 2024
February 09, 2024
March 08, 2024
April 10, 2024
May 10, 2024
June 10, 2024
July 10, 2024
August 09, 2024
September 10, 2024
October 10, 2024
November 08, 2024
December 10, 2024

You will receive the OTB monthly payments if your benefit is more than $360, but you also have the option to receive one lump-sum payment at the end of the OTB payment period. If your payment is less than $360, you’ll be paid the entire amount in July.

You can opt for a lump sum payment instead of 12 monthly Ontario Trillium Benefit payments.

The Ontario Trillium Benefit (OTB) Payment Eligibility Requirements

To qualify for the OTB, you need to be eligible to receive at least one of these three credits.

Northern Ontario Energy Credit Eligibility Requirements

To be eligible for this credit, you must be a resident of Northern Ontario and fall into at least one of the following categories:

  • At least 18 years of age
  • Have or previously had a spouse or partner
  • A parent who lives with or has lived with their child

Also, you must have paid for either:

  • Property taxes or rent on your primary residence
  • Occupancy costs while living in a long-term care facility
  • Home energy costs while living on a reserve. 

Ontario Energy and Property Tax Credit Eligibility Requirements

To be eligible for this credit, you must fall into at least one of the following categories:

  • At least 18 years of age
  • Have or previously had a spouse or partner
  • A parent who lives with or has lived with their child

Also, you must have paid for either:

  • Property taxes or rent on your primary residence
  • Occupancy costs while living in a nursing home
  • Home energy costs while living on a reserve.

You also qualify if you lived in a post-secondary school residence in the previous year.

Ontario Sales Tax Credit Eligibility Requirements

To be eligible for this credit, you must fall into at least one of the following categories:

  • At least 19 years of age
  • Married, previously married, or in a common-law relationship
  • A parent who lives with or has lived with their child

Does your child or spouse have a disability? Then you should check out the disability tax credit.

Check out the payment dates for the Ontario Disability Support Program (ODSP).

How Much Can You Receive With the Ontario Trillium Benefit?

The amount of OTB you receive will depend on your age, income, family size, residence, and how much you pay in rent or property tax. Below is an overview of what you can expect to get based on the three credits that constitute the OTB.

Northern Ontario Energy Credit (NOEC)

If you’re single, the maximum payment you’re entitled to is $180. If you have a family, the maximum payment is $277.

Ontario Energy and Property Tax Credit (OEPTC)

You could receive a maximum OEPTC payment of:

  • $1,248 if you’re between 18 and 64 years old
  • $1,421 if you’re over 65 years old
  • $277 if you live on a reserve or in a long-term care facility
  • $25 if you’re a student living in a post-secondary school residence

Ontario Sales Tax Credit (OSTC)

The maximum OSTC payment you can get is $360. This amount is for every adult and child in your household.

Do you qualify for the Ontario Child Benefit (OCB) as a parent in Ontario?

Maximum Ontario Trillium Benefit Payment Amount Annually

Northern Ontario Energy Credit (NOEC)– $180: If you’re a single individual-
– $277: If you have a family
Ontario Energy and Property Tax Credit (OEPTC)– $1,248: If you’re between 18 and 64 years old
– $1,421: If you’re over 65 years old
– $277: If you live on a reserve or in a long-term care facility
– $25: If you’re a student living in a post-secondary school residence
Ontario Sales Tax Credit (OSTC)– $360: For each child and adult in the household

Have you received payments with the name Canada PRO?

How Do You Apply For The OTB?

To qualify for the OTB, you must file your income tax return and benefit return. Beware, if you file late, your OTB payments may be delayed.

  • NOEC And OEPTC – To be considered for the NOEC and OEPTC, you must complete Form ON-BEN and submit it together with your tax return.
  • OSTC – There is no document to fill out to receive OSTC payments; the CRA will evaluate the details from your tax return to decide whether you’re eligible or not.

Once you’re approved for OTB payments, you must reapply each year when you file your tax return to continue receiving them. You’re not guaranteed the same monthly payments during each OTB period. The CRA will make adjustments to your payments based on changes in your family’s net income, age, place of residence, and other factors.

Even if you didn’t earn an income during the tax year, you should still file your taxes. You may be considered for additional benefits such as the OTB. If you don’t file, you won’t qualify for anything.

Final Thoughts

If you’re an Ontarian, you’re fully aware of how hard it can be to maintain a basic standard of living. Hence, anything that can relieve the financial pressure is helpful. If you’re a low-income earner, applying for the OTB during tax season is a no-brainer, as it will supply you with some extra income with no strings attached.

Ontario Trillium Benefit FAQs

Is the OTB taxable?

No, OTB payments are not taxable. That means you’re not required to include them in your taxable income.

If I’m married, will we both receive the OTB?

The OTB amount you’re eligible for is assigned based on the combined income of you and your spouse, and the credit will only be issued to one individual. If your spouse has already applied for the OTB, there’s no need for you to do so as well.

How will I receive my OTB payments?

If you’ve registered for direct deposit, you will receive your payments via direct deposit. If not, you’ll receive a cheque by mail. On your bank statement, your OTB payment may show up with the acronym ‘FPT’ in the title.

Can I receive my OTB payments in one lump sum?

Generally, you will receive your OTB payments in one lump sum if your annual OTB payment is less than $360. This typically will be paid out in July. If your OTB payment is more than $360, you can still get your OTB payment in one lump sum by opting to receive your benefit at the end of the benefit year. To do this, simply tick the box 61060 under the section “Choice for delayed single OTB payment” on the ON‑BEN form.

What’s the minimum OTB payment you can receive?

The minimum amount you can qualify for is $2. However, if you qualify for $2 or less you won’t receive anything. If you qualify for any amount above $2 but less than $10, you will simply receive a payment of $10.
Mark Gregorski avatar on Loans Canada
Mark Gregorski

Mark is a writer who specializes in writing content for companies in the financial services industry. He has written articles about personal finance, mortgages, and real estate and is passionate about educating people on how to make smart financial decisions. Mark graduated from the Northern Alberta Institute of Technology with a degree in finance and has more than ten years' experience as an accountant. Outside of writing, he enjoys playing poker, going to the gym, composing music, and learning about digital marketing.

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