Raising children in Canada comes with both joys and financial responsibilities. To support families, the Canada Revenue Agency (CRA) offers various parental benefits.
In 2025, these programs have been updated to better assist parents. This comprehensive guide provides detailed information on eligibility criteria, benefit amounts, and payment schedules for the year.
Canada Child Benefit (CCB)
The Canada Child Benefit (CCB) is a tax-free monthly payment designed to help families with children under 18 years of age.
Eligibility Criteria:
- Residency: Must be a Canadian resident for tax purposes.
- Primary Caregiver: Responsible for the care and upbringing of the child.
- Legal Status: Applicant or their spouse/common-law partner must be a Canadian citizen, permanent resident, protected person, or a temporary resident who has lived in Canada for the previous 18 months with a valid permit.
Benefit Amounts for 2025:
- Children under 6 years: Up to $7,787 annually (approximately $648.91 per month).
- Children aged 6 to 17: Up to $6,570 annually (approximately $547.50 per month).
The actual amount received depends on the family’s adjusted net income. Benefits start to reduce when the adjusted family net income exceeds $36,502.
Payment Dates for 2025:
CCB payments are issued on the following dates:
- January 20
- February 20
- March 20
- April 17
- May 20
- June 20
- July 18
- August 20
- September 19
- October 20
- November 20
- December 12
If a payment is not received on the expected date, it is advised to wait five business days before contacting the CRA.
How to Apply:
- Online: Through the CRA’s My Account portal.
- By Mail: Complete and send Form RC66, Canada Child Benefits Application.
Employment Insurance (EI) Maternity and Parental Benefits
The Employment Insurance (EI) program provides financial assistance to parents taking time off work due to pregnancy or to care for a newborn or newly adopted child.
EI Maternity Benefits:
- Eligibility: Available to individuals who are away from work because they are pregnant or have recently given birth.
- Benefit Amount: 55% of earnings, up to a maximum of $695 per week.
- Duration: Up to 15 weeks.
EI Parental Benefits:
- Eligibility: Available to parents (biological or adoptive) caring for a newborn or newly adopted child.
- Benefit Options:
- Standard Parental Benefits:
- Duration: Up to 40 weeks (one parent cannot receive more than 35 weeks).
- Benefit Amount: 55% of earnings, up to $695 per week.
- Extended Parental Benefits:
- Duration: Up to 69 weeks (one parent cannot receive more than 61 weeks).
- Benefit Amount: 33% of earnings, up to $417 per week.
- Standard Parental Benefits:
How to Apply:
- Online: Submit an application through the EI benefits section on the Government of Canada website.
Quebec Parental Insurance Plan (QPIP)
Residents of Quebec receive parental benefits through the Quebec Parental Insurance Plan (QPIP).
Benefits Include:
- Maternity Benefits: Up to 18 weeks at 70% of average weekly earnings.
- Paternity Benefits: Up to 5 weeks for fathers.
- Parental Benefits: Choice between several plans, offering up to 32 weeks of benefits.
How to Apply:
- Online: Through the QPIP website.
Summary of Parental Benefits for 2025
| Benefit Program | Eligibility | Maximum Amount | Payment Dates |
|---|---|---|---|
| Canada Child Benefit (CCB) | Parents/guardians of children under 18; must meet residency and status requirements. | $7,787 per child under 6; $6,570 per child aged 6 to 17 | 20th of each month (dates vary slightly) |
| EI Maternity Benefits | Birth mothers who have worked the required insurable hours. | Up to $695 per week | Up to 15 weeks; payments start after claim approval. |
| EI Parental Benefits | Parents (biological or adoptive) sharing the care of a newborn or newly adopted child; must have worked the required insurable hours. | Standard: Up to $695 per week for up to 40 weeks (one parent can receive up to 35 weeks); Extended: Up to $417 per week for up to 69 weeks (one parent can receive up to 61 weeks) | Payments start after claim approval; duration depends on chosen option (standard or extended). |
Staying informed about the Canada CRA parental benefits in 2025 is essential for families planning their finances.
Understanding the eligibility criteria, benefit amounts, and application processes ensures that parents receive the support they need during critical times.
FAQs
Who is eligible for the Canada Child Benefit (CCB) in 2025?
Canadian residents with children under 18 who meet legal status and income requirements.
How much can I receive from EI maternity benefits in 2025?
Up to $695 per week for a maximum of 15 weeks.
When will CCB payments be made in 2025?
On the 20th of each month, with some variations (e.g., April 17, December 12.