The Canada Child Benefit (CCB) is a significant tax-free financial support program aimed at helping families with the costs associated with raising children.
For the 2025 benefit year, Canadian families with children under 18 years of age can receive up to $7,787 per child under the age of 6, and up to $6,570 per child between 6 and 17 years old.
This article outlines who is eligible for the benefit, how to claim it, and everything you need to know to ensure you receive the full amount.
Who Is Eligible for the Canada Child Benefit?
To qualify for the Canada Child Benefit, applicants must meet the following criteria:
- Residency: You must be a Canadian resident for tax purposes.
- Age: You must be at least 19 years old before the payment date.
- Primary Caregiver: You must be the primary caregiver of a child under 18 years of age.
- Income: The amount of the CCB is income-tested, meaning the payment is reduced as your Adjusted Family Net Income (AFNI) increases.
Income Thresholds for 2025
- Single individuals: Eligible if your adjusted family net income is below $54,704.
- Couples: The combined family income must be below $72,244 to receive the full benefit.
- Children with disabilities: Additional amounts may be available if your child qualifies for the Disability Tax Credit.
How Much Will You Receive?
The amount you receive from the Canada Child Benefit depends on several factors, including your income and the age of your child. For the 2025 benefit year, the maximum amounts are:
| Child’s Age | Maximum Annual Benefit | Monthly Benefit |
|---|---|---|
| Under 6 years | $7,787 | $648.91 |
| 6 to 17 years | $6,570 | $547.50 |
Income-based Reductions:
- The benefit amount will gradually decrease as your income rises. For families with incomes over $36,502, the benefit starts to reduce, and for incomes above $79,087, it is gradually phased out.
- Additional Child Benefits: Families with more than one child will receive an additional amount for each child under 18. The first child receives up to $649 per month, and each subsequent child may add a slightly lower amount depending on family income.
How to Apply for the Canada Child Benefit
To apply for the Canada Child Benefit, you can follow these methods:
Online Application (CRA’s My Account)
- Log into your CRA My Account.
- Navigate to the “Apply for child benefits” section and follow the steps to apply.
Automated Benefits Application (ABA)
- If you are a new parent, you can apply through the Automated Benefits Application system during the birth registration process.
- Simply complete your child’s birth registration form through your province’s vital statistics office, and consent to share your information with the CRA.
Mail Application
- Complete the RC66 form, which is the official Canada Child Benefits Application form.
- Submit the completed form along with necessary documents such as proof of your child’s birth.
Processing Time
Once your application is submitted, it may take up to 11 weeks to process. Ensure that your tax return is filed for the CRA to assess your eligibility and determine the amount you will receive.
Payment Schedule
The Canada Child Benefit is paid out monthly, with the next payment scheduled for April 17, 2025. Payments are typically deposited directly into your bank account, though cheques are issued to those without direct deposit.
If the 17th falls on a weekend or holiday, the CRA will issue the payment on the following business day.
Additional Benefits
In addition to the CCB, families with children with disabilities may be eligible for the Child Disability Benefit. This is an additional tax-free monthly payment to help families with the extra costs of raising a child with a disability.
- The Child Disability Benefit provides up to $3,322 annually per eligible child, and the benefit is paid alongside the Canada Child Benefit.
The Canada Child Benefit is an invaluable support for families, designed to help ease the financial burdens of raising children.
By understanding the eligibility requirements, how much you can receive, and the application process, you can ensure you receive the maximum benefit for your family. Apply early, keep your tax returns up to date, and look out for the next payment on April 17, 2025.
FAQs
How do I know if I qualify for the Canada Child Benefit?
To qualify, you must be a Canadian resident, have children under 18 years old, and your income must be within the eligibility limits. You can apply online, by mail, or during your child’s birth registration.
Can I apply for the Canada Child Benefit if I don’t file taxes?
Yes, but it is highly recommended that you file your taxes each year, even if you have no income. The CRA uses your tax return to calculate the benefit amount you are eligible for.
Will the Canada Child Benefit affect my other government payments?
No, the Canada Child Benefit is separate from other government benefits, such as social assistance or employment insurance. It does not affect those payments.