Canadian Tax and
Financial Information
Child and Family Benefits

Ads keep this website free for you. does not research or endorse any product or service appearing in ads on this site.  Before making a major financial decision you  should consult a qualified professional.

Looking for US tax information?

Need an accounting, tax or financial advisor? Look in our Directory.  Use above search box to easily find your topic!   Stay Connected with!

What's New
Personal Tax
Sales Taxes
Free in 30!
Financial Planning
Real Estate
Stocks Bonds etc.
British Columbia
Atlantic Provinces
Federal Budget
Provincial Budgets
Statistics etc.
Site Map
Advertise With Us
Contact Us/About Us
Links & Resources

Financial Planning  ->  Save Money  ->  Government Benefits  ->  Canada -> Child and Family Benefits

Child and Family Benefit Programs Provided by Governments

On July 1, 2016, the UCCB and CCTB were replaced with the new Canada Child Benefit (CCB) providing monthly tax-free benefits that are tied to income.  This was as per the Federal 2016 Budget.

The federal and provincial governments have benefit programs which provide additional income for families, and for low-income individuals.  These programs include the following benefits.

Canada Child Benefit (CCB) and Child Disability Benefit (CDB)

Income Tax Act s. 122.6 - 122.63

The CCB, a tax-free monthly payment, provides a maximum benefit of $6,400* per child under 6 and $5,400* per child aged 6 through 17.  The benefit is reduced when adjusted family net income is over $30,000*.  There are different % rates of reduction depending on the number of children, and when adjusted family net income exceeds $65,000 the % rates of reduction change.  Entitlement to the CCB for the July 2018 to June 2019 benefit year is based on adjusted family net income for the 2017 taxation year.  The CCB will provide an additional Child Disability Benefit (CDB) amount of up to $2,730* per child eligible for the disability tax credit.  The reduction of this additional amount based on income will be made in the same manner as the reduction to the CCTB.  The additional amount will be included in the CCB payments made to eligible families.

* Indexation:  As per the Federal 2018 Budget, the Canada Child Benefit amounts are indexed starting July 2018.  The indexation uses the same factor as is used to index the personal income tax brackets, so for July 2018 the amounts will be increased by 1.5%.

For a family with 2 children under 6 and adjusted family net income of up to $30,000, the CCB would be $12,800 per year for July 2017 to June 2018.  For adjusted family net income of $65,000*, the CCB is reduced from $12,800 (2 x $6,400) to $8,075.  The benefit is reduced to zero at adjusted family net income of approximately $107,050.

Budget 2016 also proposed to allow a taxpayer to request retroactive payments of the CCB, CCTB or UCCB, with a 10 year time limit, as in the Taxpayer Relief Provisions, but in a slightly different manner.  A retroactive payment request will be able to be made in respect of a month on or before the day that is 10 years after the beginning of that month, effective for requests made after June 2016.

See the CCB Calculator on the budget website to find out how much you will receive.

See Canada Revenue Agency's (CRA) Canada Child Benefit for more information.

CRA Resources:

    - Child and Family Benefits

    - Child disability benefit (CDB) - tax-free benefit for families who care for a child under age 18 who is eligible for the disability amount.

    - How to apply for child and family benefits when registering the birth of your newborn with the Automated Benefits Application

    - Online Child and Family Benefits Calculator to determine your eligibility for these programs.

For more government benefits and resources, federal and provincial/territorial, see our Government Benefits page.

Universal Child Care Benefit (UCCB) - no longer in effect

 - taxable monthly payment, expanded and increased retroactive to Jan 1, 2015, replaced with Canada Child Benefit effective July 1, 2016.

Canada Child Tax Benefit (CCTB) - no longer in effect

The CCTB was a tax-free monthly payment made to eligible families to help them with the cost of raising children under age 18, and was replaced by the Canada Child Benefit (see above) effective July 1, 2016.

It appears that there was some confusion over the elimination of the Child Tax Credit for 2015, with some people thinking that the Canada Child Tax Benefit was being eliminated.  This was not the case.  The Child Tax Credit was a non-refundable tax credit claimed on the tax return, and its elimination was proposed by the October 2014 Federal Tax Update in conjunction with the increase in the UCCB.

Revised: February 07, 2019


Copyright © 2002 Boat Harbour Investments Ltd. All Rights Reserved.  See Reproduction of information from

Facebook  | Twitter  |  Google + |  Monthly Newsletter Sign-up  What’s New E-mail Notification RSS News Feed
The information on this site is not intended to be a substitute for professional advice.  Each person's situation differs, and a professional advisor can assist you in using the information on this web site to your best advantage. 
Please see our legal disclaimer regarding the use of information on our site, and our Privacy Policy regarding information that may be collected from visitors to our site.