The Canada Child Benefit (CCB) is a government program that assists Canadian families with child-rearing expenses. It was launched in July 2016 to replace the Universal Child Care Benefit and is administered by the Canada Revenue Agency (CRA) (UCCB). The CCB pays tax-free monthly payments to qualifying parents with children under 18. The CCB may include the Child Disability Benefit (CDB), and it is payable in addition to any other provincial or local child benefits.
Who is eligible for the Canada Child Benefit (CCB)?
If you match all of the following conditions, you may be eligible for the CCB:
- For tax reasons, you are a Canadian resident.
- You have primary responsibility for the care and raising of a child under 18 years.
If you or your spouse or common-law partner meets the following criteria, you may be eligible for the CCB:
- Citizen or permanent resident of Canada
- A temporary resident who has spent the previous 18 months in Canada
- Protected individual
- An indigenous individual
Concerning Main Responsibility
If you are “mainly responsible” for raising your child, you should apply for the CCB, which entails being accountable for things like:
- Keeping track of the child’s daily activities
- Taking care of their basic requirements
- Taking care of any medical issues that arise
- Making childcare arrangements
Only one parent can apply for the CCB, and which parent uses it depends on your family’s circumstances.
CCB Payments Explained
You could get a maximum based on CCB payments in 2021:
- Each eligible child under the age of 6 receives $6,833 per year ($569.41 per month).
- Each qualifying child aged 6 to 17 receives $5,765 per year ($480.41 per month).
However, the amount you receive is determined by a variety of criteria, including whether your child lives with you full-time or part-time, your net family income, and the number of eligible children you have. To estimate your payments, use the government’s CCB calculator.
Payments are updated every July, which accounts for inflation and your family’s net income from the previous year. For example, if your income changes in 2021, your payments will adjust starting in July 2022. If your total benefit for the year is less than $240, you’ll receive it all at once in July.
How to Apply for the Canada Child Benefit (CCB) Online?
Any of the following occurrences should prompt you to apply for the CCB online.
- The birth of your child
- After a period of living abroad, your child comes to live with you.
- Get custody of a child, or your custody arrangements alter.
- You, your spouse, or your partner begin to meet the requirements and become eligible.
- Applying can be done when you register your baby’s birth with the province or territory, or later through your CRA online account. You can also print and fill out Form RC66, Canada Child Benefits Application, and submit it with any additional required papers and forms.
Your payments will begin 8 weeks after the government receives your online application or 11 weeks after you mail in a paper application. When your child reaches the age of 18, or your net family income reaches $120,000, the payments will stop.
Is my marital status important?
As a result, it’s critical to keep your marital status current and notify any changes to the CRA as soon as possible, as any changes could affect your benefit payments.
What is the maximum CCB (Canada Child Benefit) one can receive?
If you qualify for the CCB, you could receive up to $6,833 per year for each child. The CRA determines how much you get based on a variety of factors, including:
- The number of children you have at home
- The children’s ages
- The total income of your household
- The child disability benefits eligibility of your child or children
- The total income of your family (your net income of yourself and your spouse)
Tip: If all of your children are under 5, you can only get the maximum amount. You can get up to $5,765 per year for each child between 6 and 17. The CRA recalculates your payment amount in July, so slight differences between your June and July payments are usual.
When will my CCB (Canada Child Benefit) payments come?
Your benefit payments begin in July of the benefit year and continue for a year until June of the following year. If you apply each year and are approved for CCB, there will likely be no gaps in your payments.
The following is a list of CCB payment dates for 2022.
- January 20, 2022
- February 18, 2022
- March 18, 2022
- April 20, 2022
- May 20, 2022
- June 20, 2022
- July 20, 2022
- August 19, 2022
- September 20, 2022
- October 20, 2022
- November 18, 2022
- December 13, 2022
Where can I find my CCB information?
Logging into your CRA My Account gives you quick access to information about your CCB benefits and payments. You can also utilize the MyBenefits CRA app or sign up for CCB benefit email reminders.