For immigrants and newcomers to Canada, understanding and accessing federal benefits is one of the most important factors of integration. Fortunately, recent improvements by the Canadian government have made it very easier for newcomers to access these essential services.
What Are Federal Benefits in Canada?
Federal benefits are government programs and services funded and managed by the federal government of Canada. These programs are designed to provide financial support, social services, and essential assistance to residents, including newcomers, low-income families, seniors, children, and unemployed individuals.
Some Key Federal Benefits Include:
- Canada Child Benefit (CCB): Monthly tax-free payments to families with children under 18.
- GST/HST Credit: Quarterly payments to cancel sales taxes for low and modest-income individuals.
- Employment Insurance (EI): Temporary financial help if you lose your job or go on parental leave.
- Old Age Security (OAS): Monthly pension for seniors over 65.
- Canada Pension Plan (CPP): Retirement and disability income support.
- Canada Workers Benefit (CWB): Refundable tax credit for low-income workers.
What Was the Previous Process Before?
Previously, the process to access federal benefits was complex and fragmented, often requiring multiple in-person visits, a variety of paper documentation, and long wait times. Newcomers unfamiliar with Canada’s administrative systems faced the following barriers:
- Lack of awareness about benefit eligibility
- Difficulty accessing SIN and CRA accounts
- Multiple-step verification processes
- Paper-based delays
These hurdles often led to eligible newcomers missing out on vital financial support during their initial months in Canada, a time when they needed it most.
What Has Changed Now?
Recognizing these challenges, the Canadian government has introduced streamlined procedures to help newcomers access federal benefits faster and more easily. Here’s what’s new:
1. Simplified Digital Access:
- Newcomers can now use Welcome to Canada portals to register for benefits soon after arrival.
- CRA has enhanced its My Account system for easier navigation.
2. Integrated Onboarding at Ports of Entry:
- Immigration, Refugees and Citizenship Canada (IRCC) is now partnering with the CRA to automatically trigger benefit eligibility when newcomers get their Permanent Residency (PR).
3. Multilingual Support:
- Websites and support materials are now offered in multiple languages, including Hindi, Punjabi, Tamil, and more.
4. Collaboration with Settlement Agencies:
- Newcomer support centers now assist with one-on-one benefit application help, especially for vulnerable immigrants or refugees.
Why Is This Change Beneficial for Indian Newcomers?
Indians represent one of the largest immigrant groups in Canada, with thousands moving each year for education, employment, or family reunification. These changes make a significant impact on the Indian community for several reasons:
- Faster Financial Relief: Indian families can now access benefits like the Canada Child Benefit much earlier, helping cover essential expenses.
- Less Bureaucratic Stress: Reduced paperwork means newcomers can focus more on settling down and finding work.
- Language & Cultural Support: Access to Hindi, Punjabi, and Tamil resources makes the process more comfortable.
- Stronger Integration: Early access to federal services supports smoother integration into Canadian society.
How to Access These Benefits?
To access these federal benefits, newcomers must go through a few essential steps:
- Obtain a Social Insurance Number (SIN): This is a nine-digit number that allows you to work and access government programs.
- File Your Taxes Annually: Many benefits are income-tested and are automatically calculated through your tax return.
- Register with the Canada Revenue Agency (CRA): CRA handles most federal benefit applications.
- Open a Canadian Bank Account: For direct deposit of payments.
- Apply Online or by Paper Forms: You can apply for benefits through the CRA’s secure portal or using printed forms.
How Can Unimoni Help Indian Migrants and Newcomers to Canada?
At Unimoni, we understand the emotional and financial journey of every Indian family moving abroad. Whether you’re planning your relocation or have just landed in Canada, Unimoni is your trusted partner in easing the process.
1. International Money Transfers – Fast & Reliable
Send money to Canada from India for tuition, living expenses, migration or family support with real-time exchange rates and low fees.
2. GIC Account Assistance
For Indian students moving to Canada, Unimoni helps set up GIC accounts—a secure financial investment that is part of the financial proof required for their study permit application.
3. Travel & Forex Solutions
Get forex cards, foreign exchange, and travel insurance customized for Indian migrants heading to Canada.
4. Visa & Documentation Services
Unimoni helps you navigate the complex visa, insurance, and document attestation processes before you leave India.
