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Quick summary: Every year, the Canadian government leaves billions of dollars in unclaimed benefits on the table. The 9 programs below are available to most Canadian households — but fewer than half of eligible families actually claim them. The list is ordered by retention priority: start with the GST credit (the program most people came looking for) and work your way to the end, where the highest-value programs live.
📑 What’s in this guide (jump to any page)
- Page 1 — Benefits You Probably Already Qualify For (GST credit, workers benefit, grocery support)
- Page 2 — Benefits for Seniors and Working Households (OAS, GIS, carbon rebate)
- Page 3 — Benefits Most Families Miss After a Death (CPP death benefit, survivor’s pension)
- Page 4 — How to Cover What the Government Doesn’t (final expense insurance)
Up to $5,000
is available to most Canadian families — see page 3
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This article is for informational purposes only and does not constitute financial, tax, or legal advice. Benefit amounts, eligibility criteria, and program rules change frequently. Always verify current conditions with the relevant government agency (Service Canada, CRA, or provincial) before making any decision. Some links in this article are affiliate or partner links — we may receive a commission if you apply through them, at no extra cost to you.