The Canada Child Benefit (CCB) continues to be a vital financial support system for Canadian families, offering tax-free monthly payments to assist with the costs of raising children under 18.
In 2025, eligible families can receive up to $7,787 per child under six years old and up to $6,570 for children aged six to 17.
Understanding the eligibility criteria, benefit amounts, and application process is essential for maximizing this benefit.
Eligibility Criteria
To qualify for the CCB in 2025, applicants must meet the following conditions:
- Residency: Must be a resident of Canada for tax purposes.
- Primary Caregiver: Must live with the child and be primarily responsible for their care and upbringing.
- Tax Filing: Both the applicant and their spouse or common-law partner must file annual income tax returns, as the benefit amount is calculated based on the adjusted family net income (AFNI).
Benefit Amounts
The CCB is income-tested, meaning the benefit amount decreases as the family’s AFNI increases. For the period of July 2024 to June 2025, the maximum annual benefits are:
- Children under 6 years: Up to $7,787 per child.
- Children aged 6 to 17 years: Up to $6,570 per child.
Families with an AFNI of $36,502 or less receive the maximum benefit. As income rises above this threshold, the benefit gradually decreases.
Application Process
Applying for the CCB can be done through several methods:
- Online: Through the Canada Revenue Agency’s (CRA) My Account portal.
- By Mail: Submitting a completed Form RC66, Canada Child Benefits Application.
It’s important to apply as soon as a child becomes eligible, such as after birth or upon moving to Canada, to ensure timely payments.
Payment Schedule
CCB payments are issued monthly. For 2025, the payment dates are as follows:
- January 20, 2025
- February 20, 2025
- March 20, 2025
- April 17, 2025
- May 20, 2025
- June 20, 2025
- July 18, 2025
- August 20, 2025
- September 19, 2025
- October 20, 2025
- November 20, 2025
- December 12, 2025
If a payment is not received on the expected date, it’s advised to wait five working days before contacting the CRA.
Child Disability Benefit (CDB)
Families caring for a child with a severe and prolonged impairment may be eligible for the Child Disability Benefit, an additional tax-free monthly payment. To qualify, the child must be eligible for the Disability Tax Credit.
Impact of Income on Benefits
The CCB is designed to provide more support to families with lower incomes. As the family’s AFNI increases above $36,502, the benefit amount is reduced through a phase-out mechanism. This ensures that assistance is targeted to those who need it most.
Recent Adjustments
In response to inflation and the rising cost of living, the CCB amounts are reviewed and adjusted annually. These adjustments ensure that the benefit maintains its value and continues to effectively support Canadian families.
| Age of Child | Maximum Annual Benefit | Phase-Out Threshold | Application Method | Payment Frequency |
|---|---|---|---|---|
| Under 6 years | Up to $7,787 | $36,502 | Online or by mail | Monthly |
| 6 to 17 years | Up to $6,570 | $36,502 | Online or by mail | Monthly |
| With Disability (CDB) | Additional amount | $36,502 | Online or by mail | Monthly |
The Canada Child Benefit continues to play a crucial role in supporting families across Canada, helping to alleviate the financial pressures of raising children.
By understanding the eligibility requirements, benefit amounts, and application procedures, families can ensure they receive the support they are entitled to.
FAQs
What is the Canada Child Benefit (CCB)?
The CCB is a tax-free monthly payment made to eligible families to help with the cost of raising children under 18 years of age.
How is the benefit amount determined?
The benefit amount is based on the number of children, their ages, and the family’s adjusted net income. Lower-income families receive higher benefits, with amounts decreasing as income rises.
How can I apply for the CCB?
Applications can be submitted online through the CRA’s My Account portal or by mailing a completed Form RC66 to the CRA.