Canadian families have a new reason to celebrate in 2025. With rising costs of living—from groceries to rent to childcare—the federal government has introduced a powerful new tool in its family support system: the Canada Family Benefit (CFB). Paying up to $445 per child each month, the CFB complements existing programs like the Canada Child Benefit (CCB) and the Canada Carbon Rebate (CCR).
In this guide, we break down how these benefits work together, who qualifies, and how to make sure you’re getting every dollar you’re entitled to.
Overview: Three Government Benefits That Can Boost Your 2025 Income
Families can now access a layered system of support designed to cushion the impact of inflation and rising costs. These programs include:
| Benefit | Monthly/Yearly Amount | Key Details |
|---|---|---|
| CFB | Up to $445/month or $5,340/year | Launched January 2025, automatic for most CCB recipients |
| CCB | $648.91/month (under 6) | |
| $547.50/month (ages 6–17) | Paid monthly on the 20th, adjusted for income | |
| CCR | Varies by province | Paid January 15 and April 22, file taxes by April 2, 2025 |
Together, these benefits can provide thousands of tax-free dollars per child each year.
What Is the Canada Family Benefit (CFB)?
The Canada Family Benefit is a new monthly payment introduced in 2025 to help families cope with the rising cost of raising children. It’s income-tested and works in addition to the Canada Child Benefit—not instead of it.
Key Features:
- Up to $445 per month, per household
- Automatically paid if you’re already receiving CCB
- Tax-free and non-reducing of other federal benefits
- Paid monthly through CRA My Account or direct deposit
Who Is Eligible for the CFB?
You likely qualify for the CFB if:
- You are a Canadian resident
- You are responsible for a child under 18
- You have filed your 2024 tax return
- You are already enrolled in the CCB
How to Apply:
No separate application is needed if you’re already receiving the Canada Child Benefit. If not, apply through:
- CRA My Account, or
- Mail Form RC66 to the CRA
Make sure your tax return is current and your CRA account is up to date to avoid delays.
Canada Child Benefit (CCB): Still a Major Source of Support
The CCB remains one of Canada’s most robust family programs, delivering monthly, tax-free payments that scale with income and the number of children.
2025 CCB Rates:
- $648.91/month for children under 6
- $547.50/month for children aged 6 to 17
Your 2024 income tax return determines your eligibility and amount for 2025. The CCB is paid on the 20th of each month, or the next business day if it falls on a weekend or holiday.
How to Apply:
- During birth registration at the hospital (fastest)
- Through your CRA My Account
- By submitting Form RC66 by mail
Processing by mail can take up to 11 weeks, so apply early if you’re new to the system.
Canada Carbon Rebate (CCR): A Small but Helpful Boost
The Canada Carbon Rebate offsets the cost of federal carbon pricing—especially helpful for households with heating and transportation expenses.
CCR Payment Dates in 2025:
- January 15, 2025
- April 22, 2025
- File your 2024 taxes by April 2, 2025 to receive both payments
Amounts vary by province, household size, and rural supplement eligibility.
Additional Supports for Children with Disabilities
If your child qualifies under the Disability Tax Credit (DTC), you may be eligible for up to $276.83/month in additional support—on top of CCB and CFB.
How to Apply:
- File Form T2201
- Have your child’s medical provider complete the required sections
- Submit via CRA My Account or by mail
Once approved, the disability supplement is automatically added to your monthly CCB and CFB totals.
Other Benefits to Consider
Canada Workers Benefit (CWB):
- Up to $2,450/year for low-income workers and single parents
- Based on income and work status
Provincial Supplements:
- Ontario Child Benefit
- BC Family Benefit
These are often automatically included in your CCB payments if eligible—no separate application required.
Avoiding Common Mistakes
Mistakes can delay payments or reduce eligibility. Keep these points in mind:
- Wrong marital status? Update with CRA immediately
- Shared custody? Both parents must file tax returns
- Moved provinces? Update your address for accurate benefit calculation
- Missed CRA letters? Check your CRA My Account weekly
- New to Canada? File taxes and provide:
- Social Insurance Number (SIN)
- Proof of birth
- Proof of Canadian residency
CRA offers multilingual services to support newcomers through the process.
Steps to Maximize Your Family Benefits
Follow this checklist to ensure you receive the full value of all programs:
- File your 2024 tax return by April 2, 2025
- Apply for CCB at birth or via CRA portal
- Enroll in CFB automatically or apply using Form RC66
- Submit Form T2201 if your child has a disability
- Set up direct deposit through CRA
- Track all payments via CRA My Account
- Report any family status changes immediately
- Use CRA’s benefit calculators to estimate future payments
FAQs
Q1. How much is the CFB per month in 2025?
Up to $445 per child, depending on income.
Q2. Do I need to apply for the CFB separately?
No—CFB is automatic if you already receive CCB.
Q3. What’s the deadline to qualify for the CCR?
File your 2024 taxes by April 2, 2025 to receive both payments.
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Q4. What are the CCB rates in 2025?
- $648.91/month for children under 6
- $547.50/month for children 6–17
Q5. Can newcomers receive these benefits?
Yes—if they file taxes and provide proof of residency and birth.
