The Canada Child benefit (CCB) is a government monthly assistance program designed to eradicate child poverty and assist Canadian families with the cost of raising children under the age of 18.
The Canada Child benefit (CCB) was previously called the Child Tax Benefit until recently when the Canada Child Tax Benefit (CCTB) and the Universal Child Tax Benefit (UCCB) were merged and enhanced to offer more benefits to families with modest family income.
The CCB has been a very helpful initiative in Canada, and even temporary residents can be eligible for the Canada Child Benefit if they fulfill certain eligibility criteria.
Stay with me on this page to learn more about the Canada Child Benefit, its eligibility requirements, payment dates, amounts, and more.
Without skipping a beat let’s look at the CCB payment dates aka child tax benefit dates for 2022.
CBB Payment Dates 2022
The Canadian Revenue Agency will pay the CCB payments to eligible families on the following CCB payment dates:
CCB Payment Dates
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
You may also receive the CCB payments in one lump-sum payment if your annual CCB amount is below $240. If you do not receive the CCB benefits on the scheduled Canada Child Benefit dates, wait for 5 business days, and contact CRA using the Canada Child Benefit phone number.
What is The Canada Child Benefit?
The Canada Child Benefit (CCB) is a tax-free monthly payment made to eligible families to eradicate child poverty and help them with the costs of raising children under 18 years of age.
The Canada Child Benefit came into being when the Canada Child Tax Benefit ceased to exist in 2016.
If you are eligible, you will receive the CCB payment each month, and you won’t need to pay tax on it nor include it on your income tax and benefit return.
How Much CCB Will You Receive?
The Canada Child Benefit amount you will receive depends on several factors, such as the number of eligible children you have, your marital status, whether your child lives with you full or part-time, and your Adjusted Family Net Income (AFNI).
Each July, your payments are recalculated to account for inflation, and any changes in your AFNI. AFNI is determined by calculating your total family income, subtracting a number of tax credits from this amount, and then dividing it by the number of family members living in your household.
If there is no change in your AFNI, then the amount you receive this July will be the same as last July: nice and easy! For example, in the event of a change in your income level for the year 2021, it will show up in your payments beginning in July of the year 2022.
For July 2021 to June 2022 payment period, you could receive a maximum of:
- $6,833 per year ($569.41 per month) for each eligible child under the age of 6
- $5,765 per year ($480.41 per month) for each eligible child aged 6 to 17
Also, you can use the CRA’s Canada Child Benefit calculator to get an idea of what your payments might be. That way, you can spend less time worrying about money and more time doing what you love.
With the CCB calculator, you just enter some basic information about your kids and your family situation, and the calculator tells you exactly how much CCB to expect each month.
In the end, you may receive lower or higher CCB payments based on those factors. However, it’s important to remember that your CCB payments will reduce as the adjusted net income of your family increases.
This is so because the CCB aims at helping families with modest incomes in Canada. So the more you shift away from the low-medium income bracket, the less the CCB favors you.
If you didn’t receive your CCB payment 5 working days after the scheduled dates, you should contact the CRA.
Furthermore, inform the CRA about any changes in your situation. Your payments may stop if you refuse to do so.
CCB Increase 2022
The CCB is increased annually to keep up with the rising inflation index and offset the high costs of raising children in Canada.
For the first half of 2022, families with children less than six years old got an increase from $6,765 to $6,833 annually. On the other hand, families with children between 6 to 17 years got an increase from $5,708 to $5,765 annually.
CCB Young Child Supplement 2021 (Canada Child Benefit Extra Payment 2021)
The CCB Young Child Supplement (CCBYCS) is also a part of the federal government’s child tax benefits increase in 2021.
Due to the rising inflation index caused by the impact of the COVID-19 pandemic on low-medium-income Canadian families, the federal government earmarked about $2 billion in May 2020 for the Child Tax Benefit increase in 2021 leading to a $300 CCB increase for each eligible child.
With the (CCBYCS), Canadian families with less than $120,000 net income received up to $1,200 for each child below the age of six. Accordingly, each eligible child received up to $300 four times in 2021.
However, high-income families got $600 in CCBYCS which amounts to a $150 payment per eligible child four times in 2021.
The CCBYCS doesn’t require an application. Once you’re a CCB beneficiary and filed your 2019 and 2020 tax returns, you will receive it.
Furthermore, CCBYCS is non-taxable, and this increase went a long way in helping many Canadian families offset the increasing cost of raising their children during those hard and uncertain times.
The CCBYCS was paid out on the following dates:
- May 28, 2021
- July 30, 2021
- October 29, 2021
As you can see, the CCBYCS differs from the CCB payment dates. So be ready to receive the payments differently.
Canada Child Benefit Eligibility Requirements
You could be eligible to receive the Canada Child Benefit if you meet all the following criteria:
1. You’re a resident of Canada for tax purposes (including Canadian citizens, permanent residents, temporary residents who have lived in Canada for the previous 18 months, a protected person, an indigenous person)
2. You live with a child under 18 years of age
3. You have primary responsibility for the child’s care and upbringing: You may qualify for the CCB if you’re considered “primarily responsible” for raising your child. That means being responsible for things like:
- Supervising the child’s everyday activities
- Taking care of their daily needs
- Taking care of any medical needs
- Arranging childcare
Only 1 parent can apply for the CCB, and which parent does rest on your own family situation.
What Happens If I Share Custody? If you have a custody arrangement, this could have an effect on your childcare benefits. This will depend on things such as who has primary responsibility, and if your child’s time is shared mostly with you, mostly with the other parent, or shared equally.
How to Apply for Canada Child Benefit?
You should apply for the CCB as soon as any of these events occur:
- Your baby is born
- Your child starts to live with you after a period of living elsewhere
- Your custody arrangements change, or you are granted custody of a child
- You or your spouse or partner start to meet the criteria and become eligible
You can apply at the same time you register the birth of your baby with the province or territory, or afterward using your CRA online account. You can also download and complete Form RC66, Canada Child Benefits Application, and return this by mail along with any additional documents and forms necessary.
1. Birth Registration: When you have a newborn child, you can apply for the CCB upon registering them in your province or territory. Often, this is handled at a birthing center or hospital. But if you’re a British Columbia, Ontario, Alberta, or Quebec resident, you can register online.
During your childbirth registration, you will be required to provide your social insurance number (SIN) and consent for your information to get to the CRA. Else, you have to apply for the CCB through other means.
2. Your CRA My Account: This option is suitable for those that didn’t apply for the CCB during their children’s birth registrations. If you’re one of them, you need to follow these steps to apply for the CCB:
- Visit your CRA My Account
- Navigate to “Apply for child benefits.”
- Confirm that your contact information is accurate.
- Provide the name, gender, place, and date of birth of your child.
- Ensure all your information is correct before submitting your application.
3. Mail: If you didn’t apply for the CCB through your childbirth registration or your “CRA My Account,” you could do so through the mail. Here are the steps you need to follow when applying for the CCB through mail:
- Complete the Form RC66, Canada Child Benefits Application, and sign.
- Attacked any required documents.
- Send it to your tax center.
Your payments will start within 8 weeks of the government receiving your online application, or within 11 weeks of sending a paper application through the mail. The payments will stop when your child turns 18 years old, or when your net family income passes the threshold of $120,000.
Child Benefits Programs By Province
The Canada Child Benefit (CCB) payment may also consist of provincial or territorial benefits programs, which implies that you are not limited to one benefit under the CCB but several benefits once you’re qualified.
Receiving the CCB payment with additional provincial/territorial programs means more than the average CCB payment.
Here are some provincial/territorial programs administered together with the CCB:
- NBCTB – New Brunswick Child tax benefit
- NSCB – Nova Scotia child benefit
- NLCB – Newfoundland and Labrador child benefit
- NCB – Nunavut child benefit
- NTCB – Northwest Territories child benefit
- OCB – Ontario child benefit
- BCECTB – BC early childhood tax benefit
- YCB – Yukon child benefit
These provincial or territorial programs do not require an application and based on your residency, your qualification will be determined by the CRA upon applying for the CCB.
The Alberta Child and Family Benefit (ACFB) is administered separately from the CCB, and the province of Saskatchewan has no child benefit program as of 2022.
Furthermore, your CCB payment may include a child disability benefit if your child qualifies for the disability tax credit.
Accordingly, each of your children that are eligible for the disability tax credit may receive $242.91 monthly from July 2021 to June 2022.
What to Do With the CCB Payment?
The truth is, it’s up to you to decide how to spend the CCB payment. Thankfully, CCB is non-taxable, so you’ve more flexibility in spending it.
However, you can be smart in spending your CCB benefit by investing it wisely into things that will bring a long-lasting return.
For example, you can invest in one of the best RESP plans in Canada. With a registered education savings plan (RESP), you can have your children’s secondary school savings growing tax-free in addition to government grants.
This singular money move of saving towards their education can help secure the future of your child, and this selfless act will give them a headstart; giving them an education without a trail of student loans.
From stocks, bonds, and ETFs to GICs – RESPs got you covered. However, before investing in any security, ensure that it aligns with your risk tolerance and investment objective.
When Should I Notify CRA of CCB Situation Changes
In the event of a change in your situation, let the CRA know as soon as possible. Your payments may stop if you don’t inform the CRA. Examples of these changes include:
1. Personal Information Changes
- Address change
- Marital status change
- Start direct deposit or change bank account
- Residency status change
- Notice shows outdated personal information
- Leaving an abusive or violent situation
- Reporting a death
2. Child and Custody Changes
- Shared custody
- Temporary custody change
- A child starts to live with you
- A child is no longer in your care
Final Thoughts on the Children’s Benefits Canada
If you have children under 18, you may qualify to receive the CCB. As long as all necessary criteria are fulfilled, then you can apply.
Also, endeavor to look into other government benefits and programs that might help you with the cost of raising children.
Do not forget to file your tax return on time every year. This is important if you wish to continue getting your Canada Child Benefit and related provincial and territorial payments. If you have a spouse or common-law partner, their yearly tax returns need to be filed promptly, too.
Understandably, CCB calculations can be a bit hard to grasp. This is why the Government of Canada has a CCB calculator on the Internet that can help you calculate how much CCB you will receive monthly. So, don’t be discouraged by all the figures and decimals. Anybody can sort out their numbers, you just need to follow the right steps.
If you have questions about government rebates, tax credits, or any other family benefits, get in touch with an advisor to make sure you claim everything you can.
FAQs on Children’s Benefits Canada
What was the Canada Child Benefit Called Before?
It was called the Canada Child Tax Benefit. It was ended in 2016 and replaced by the Canada Child Benefit (CCB), a tax-free payment targeting low- and middle-income families.
What Is the Canada Revenue Agency?
Canada Revenue Agency (CRA) is a federal agency that receives taxes and administers tax laws for the Canadian government, as well as for many of Canada’s provinces and territories. The Canada Revenue Agency, also known as Agence du revenu du Canada, is also in charge of a range of social and economic benefit and incentive programs via the tax system, alongside international trade legislation.
What Other Children’s Benefits Do We Have in Canada?
Canada has the affordable childcare benefit of British Columbia and the Ontario baby bonus you can also get.