Canadian families continue to benefit from the Canada Child Benefit (CCB) in 2025, with enhanced financial assistance including the $445 Canada Family Benefit for eligible households.
As the cost of living continues to impact daily life, this tax-free monthly payment remains one of the most vital supports available for families raising children under 18.
Here’s everything you need to know about the 2025 CCB structure, the additional $445 support, and payment dates.
Overview of the $445 Canada Family Benefit
The $445 Canada Family Benefit is not a separate program, but an additional supplement provided to low-income families through the CCB.
It helps eligible households further manage essential expenses like food, housing, clothing, school supplies, and childcare.
Summary
Key Information | Details |
---|---|
Monthly Benefit Amount | Up to $6,997/year per child under 6 |
Up to $5,903/year per child aged 6–17 | |
Family Benefit | $445 – Extra support for qualifying low-income families |
Eligibility | Based on income, residency, and child’s age |
Payment Dates | 20th of every month (or next business day) |
Disability Supplement | Available for eligible children with disabilities |
Application Requirement | Must file taxes annually and register for CCB |
Administered By | Canada Revenue Agency (CRA) |
What Is the Canada Child Benefit (CCB)?
The Canada Child Benefit (CCB) is a monthly, tax-free payment administered by the CRA to help parents with the cost of raising children under the age of 18. It is income-tested, meaning the amount decreases as family income increases.
The CCB was introduced in 2016 to replace previous programs and has since been a key tool in combating child poverty.
Who Is Eligible?
To qualify for the Canada Child Benefit in 2025, you must meet the following criteria:
- Residency: You must reside in Canada and be a tax resident.
- Primary Caregiver: You must be the main person responsible for the child’s care.
- Child’s Age: The child must be under 18 years old.
- Tax Filing: You and your spouse/partner must file an annual tax return.
- Income: Lower-income households (under $32,000) may qualify for full benefits including the $445 supplement. Households earning over $150,000 may see a reduction or phase-out.
CCB Payment Amounts for 2025
Benefit Breakdown
Child’s Age | Max Annual Benefit | Monthly Equivalent |
---|---|---|
Under 6 | $6,997 | Approx. $583 |
Ages 6 to 17 | $5,903 | Approx. $492 |
Families eligible for the $445 Canada Family Benefit will see this amount included in their monthly CCB, depending on income, number of children, and disability eligibility.
Disability Supplement
Families with children who qualify for the Disability Tax Credit will receive additional monthly payments. This is designed to help cover the extra costs of caring for a child with disabilities.
2025 Canada Child Benefit Payment Dates
The CCB is paid on the 20th of each month, or the next business day if the 20th falls on a weekend or holiday.
Payment Dates for 2025
Month | Payment Date |
---|---|
January | January 22 |
February | February 20 |
March | March 20 |
April | April 20 |
May | May 20 |
June | June 20 |
July | July 20 |
August | August 20 |
September | September 20 |
October | October 20 |
November | November 20 |
December | December 20 |
To avoid delays, families are encouraged to sign up for direct deposit through their CRA My Account.
How to Apply and Stay Eligible
- Register for the CCB
- Use your CRA My Account
- Or apply through provincial birth registration
- File Taxes On Time
- Annual tax returns are mandatory to determine your benefit.
- Keep Your Information Up to Date
- Report changes in marital status, number of children, banking info, or address.
- Shared Custody
- Each parent may receive 50% of the benefit if custody is split.
How to Use the CCB Wisely
Here are smart financial strategies for making the most of your Canada Family Benefit:
- Cover monthly essentials like daycare, groceries, or school supplies
- Start an RESP or TFSA for your child’s education or savings
- Reduce debt by applying funds toward credit card balances
- Build an emergency fund to handle unexpected expenses
These small steps can make a big impact on long-term financial security.
Appeals and Disputes
If you believe your CCB or $445 family benefit is incorrect:
- Check your CRA My Account and review Notices of Assessment
- Contact CRA directly to correct or update your information
- Submit an appeal through CRA’s dispute resolution process if needed
The $445 Canada Family Benefit Payment in 2025 provides timely relief for lower-income families. Combined with the Canada Child Benefit, it strengthens household budgets and ensures Canadian children grow up with essential financial support.
Stay informed, file your taxes on time, and use the benefit wisely.
FAQs
Who qualifies for the $445 Canada Family Benefit in 2025?
Families who meet the low-income threshold and are eligible for CCB may receive the $445 supplement automatically.
When are payments made in 2025?
CCB payments are made monthly on the 20th. If the 20th falls on a weekend or holiday, payment arrives the next business day.
How do I apply for the Canada Child Benefit?
Apply through CRA My Account or via your province’s birth registration system. You must file taxes yearly to remain eligible.