The Canada Child Benefit (CCB) is a monthly tax-free benefit that is paid to families with children under age 18.
This cash payment is designed to help parents and guardians offset some of the costs of raising minor children in Canada.
The CCB is one of many social programs that are in place to reduce poverty, with others including the GST/HST credit and several provincial child benefits and assistance payments.
In this article, I cover the Canada Child Benefit payment dates for 2023, CCB amounts, eligibility requirements, increases, and how to apply.
Canada Child Benefit payment Dates in 2023
Canada Child Benefit (CCB) is paid monthly, usually around the third week.
CCB payment dates in 2023 are:
|Canada Child Benefit Month||Canada Child Benefit Dates 2023|
|January||January 20, 2023|
|February||February 20, 2023|
|March||March 20, 2023|
|April||April 20, 2023|
|May||May 19, 2023|
|June||June 20, 2023|
|July||July 20, 2023|
|August||August 18, 2023|
|September||September 20, 2023|
|October||October 20, 2023|
|November||November 20, 2023|
|December||December 13, 2023|
If you have signed up for direct deposits, your CCB payment is deposited in your bank account on these dates.
If you haven’t set up direct deposit payments, a cheque is sent to you via mail.
In a scenario where your total CCB amount for the year is less than $240, the government pays it as a lump sum in July.
Here is the Canada Child Benefit Amount in 2023
How much Canada Child Benefit you receive is dependent on several factors, including the number of eligible children in your care, their age, your marital status, and the adjusted family net income you reported on your last year’s tax return.
The maximum CCB monthly payment for the July 2023 to June 2024 payment periods are:
|Age of Child||Maximum Monthly CCB||Maximum Annual CCB|
|Under 6 years of age||$619.75||$7,437|
|Age 6 to 17||$522.91||$6,275|
As your income increases, the CCB you get decreases due to a clawback of CCB benefits starting at an adjusted family net income above $34,863.
Canada Child Benefit (CCB) Explained
The CCB was previously known as the Canada Child Tax Benefit. It is a monthly payment sent to eligible families where there is at least one child who is under 18 years of age.
Families that have a child who is eligible for the disability tax credit may qualify for a Child Disability Benefit (CDB), and this payment is included in the CCB amount they receive.
The CCB payment you get may also include provincial and territorial program benefits such as:
- Alberta child and family benefit (ACFB)
- British Columbia child opportunity benefit
- New Brunswick child tax benefit (NBCTB)
- Ontario child benefit
- Newfoundland and Labrador child benefit
- Northwest Territories child benefit
- Nova Scotia child benefit
- Nunavut child benefit
- Yukon child benefit
Eligibility for the Canada Child Benefit
To be eligible for the CCB, you must be “primarily responsible” for the care and upbringing of a child who is under 18 years of age.
You must also be a Canadian resident for tax purposes and be either a:
- Canadian citizen
- Permanent resident
- Protected person
- Temporary resident who has lived in Canada during the last 18 months and has a valid permit
- Indigenous person
Canada Child Benefit Clawback
A family with a net income under $34,863 gets the maximum CCB amount for all their children.
For example, if your family’s net income is $31,000 and you have two children under age 6, you will receive a total of $14,874 ($7,437 x 2) per year.
When your family’s net income falls between $34,863 and $75,537, you receive a reduced CCB amount as follows:
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|Number of Children||Family net income greater than $34,863 and up to $75,537||Family net income greater than $75,537|
|1 child||7% of income greater than $34,863||$2,847 + 3.2% of income greater than $75,537|
|2 children||13.5% of income greater than $34,863||$5,491 + 5.7% of income greater than $75,537|
|3 children||19% of income greater than $34,863||$7,728 + 8% of income greater than $75,537|
|4 children or more||23% of income greater than $34,863||$9,355 + 9.5% of income greater than $75,537|
Let’s see an example of how CCB calculation works.
A family with a combined net income of $90,000 and 2 kids both under 6 years of age will receive:
- The maximum annual CCB is $14,874 (i.e. $7,437 x 2).
- There is a 13.5% phase-out rate for income between $34,863 and $75,537: ($40,674 x 13.5%) = $5,490.99.
- There is a 5.7% phase-out rate for income between $75,537 and $90,000: ($14,463 x 5.7%) = $824.39.
- The total reduction amount: ($5,490.99 + $824.39) = $6,315.38
Total CCB received = maximum annual CCB – reduction amount
- Total CCB = ($14,874 – $6,315.38)
- Total CCB received = $8,558.62 or $713.22 per month.
You can play around with this Canada Child Benefit calculator to estimate your benefits in 2023.
CCB payments and amounts are updated every July based on your last tax return.
For example, for the July 2023 to June 2024 payment periods, your net income from 2022 is used.
For the July 2024 to June 2025 payment periods, your 2023 tax return is used.
How To Apply for the Canada Child Benefit
You can apply for the CCB right after your child is born using one of three methods:
1. Through Birth Registration
Apply for the CCB when registering the birth of your child in your province or territory. This is often completed at the hospital.
Each province has its own birth registration package you must complete. Ensure you provide your social insurance number and consent so that relevant information can be shared with the CRA.
2. Apply Online
It is easy to apply for child benefits online through CRA My Account. This platform also supports the submission of documents online.
3. Through the Mail
CCB applications can be completed by filling out Form RC66 and mailing it to the nearest tax centre.
New immigrants in Canada need to complete Schedule RC66SCH and Form RC66 to apply for Canada Child Benefits.
If you have questions regarding the application process, you can contact the CRA’s Canada child benefit phone number at 1-800-387-1193.
If you live in Nunavut, Northwest Territories, or Yukon, the CCB phone number is 1-866-426-1527.
CCB Increases in 2023
The CCB is increased annually to keep up with inflation.
In July 2023, the CCB increased to reflect the inflation rate over the last year.
The maximum annual CCB benefit for a child under 6 increased to $7,437. For children aged 6-17, the maximum annual benefit is now $6,275 per child.
This increase extends until the current payment cycle ends in June 2024.
Is CCB Taxable?
The Canada Child Benefit is a tax-free payment which means it is not included in your taxable income.
It is also not reported on your income and benefits tax return.
While CCB payments are tax-free, you should always file your tax return every year, even if you have no income to report.
The CRA automatically assesses your eligibility for CCB by looking at your tax return for the previous year.
Child Disability Benefit Payment Dates
The Child Disability Benefit (CDB) is paid to families that are caring for a minor child who has a “severe and prolonged impairment in physical or mental functions”.
The maximum CDB amount for the July 2023 to June 2024 period is $264.41 per month or $3,173 per year. When your family net income exceeds $75,537, CDB payments are reduced.
The Child Disability Benefit Dates for 2023 occur on the same dates as CCB as follows:
- January 20, 2023
- February 20, 2023
- March 20, 2023
- April 20, 2023
- May 19, 2023
- June 20, 2023
- July 20, 2023
- August 18, 2023
- September 20, 2023
- October 20, 2023
- November 20, 2023
- December 13, 2023
Child Tax Benefit Payment Dates FAQs
How much is the Canada Child Benefit?
The CCB amount in 2023 is $619.75 per month for children under 6, and $522.91 per month for children between ages 6 and 17.
Is the child tax benefit going up in 2023?
Yes, the CCB has increased to $7,437 and $6,275 per year for kids under 6 and those between 6 and 17 years, respectively.
What is the maximum child disability benefit in 2023?
The maximum Child Disability benefit from July 2023 to June 2024 is $3,173 per year or $264.41 per month.