In a major effort to support families with children, the Canadian Government is rolling out the Canada Family Benefit (CFB) starting in 2025.
This new income-tested initiative provides up to $445 per month for eligible families with children under 18. The program is designed to help offset rising living costs and ensure children have access to essential resources like nutrition, education, and healthcare.
Unlike universal programs, the CFB is targeted at low- to middle-income households, ensuring assistance reaches those who need it most. Payments will be distributed monthly through the Canada Revenue Agency (CRA).
Key Details of the 2025 Canada Family Benefit
| Aspect | Details |
|---|---|
| Program Name | Canada Family Benefit (CFB) |
| Monthly Payment | Up to $445 per child |
| Start Date | May 20,2025 |
| Payment Frequency | Monthly (on the 20th) |
| Eligibility Age | Children under 18 |
| Application Portal | CRA’s My Account or paper application |
| Linked to | Canada Child Benefit (CCB) |
| Payment Method | Direct deposit or mailed cheque |
Eligibility Requirements for the Canada Family Benefit
To receive the CFB, families must meet the following eligibility criteria:
1. Canadian Residency
Applicants must be legal residents of Canada and must have resided in the country for at least 183 days within the past year.
2. Dependent Children
The family must have at least one child under the age of 18 who relies on them for financial support.
3. Income-Based Support
The CFB is income-tested:
- Families with lower incomes receive the full $445 per month.
- Higher-income families may receive reduced payments or be ineligible.
4. Tax Filing Requirement
The 2024 income tax return must be filed with the CRA. Benefit calculations are based on the most recent tax return.
5. Canada Child Benefit (CCB) Enrollment
To receive CFB payments, families must already be enrolled in the Canada Child Benefit (CCB) program.
How to Apply for the Canada Family Benefit
The application process is simple but requires completing a few key steps:
Step 1: File 2024 Income Tax Return
Regardless of income, families must file taxes to determine eligibility.
Step 2: Apply or Confirm Enrollment in CCB
If not already receiving the CCB, families should:
- Apply online via the CRA My Account portal.
- Or submit a paper application form.
Step 3: Update Household Information
Report any changes in:
- Marital status
- Income level
- Number of dependents
This ensures accurate benefit calculation.
Step 4: Set Up Direct Deposit
For faster payment, families should register for direct deposit via their CRA account.
CFB 2025 Payment Schedule
Payments will be made on the 20th of each month, starting 2025. If the 20th falls on a weekend or public holiday, payments will be processed on the next business day.
| Month | Payment Date |
|---|---|
| April 2025 | April 20 |
| May 2025 | May 20 |
| June 2025 | June 20 |
| July 2025 | July 20 |
| August 2025 | August 20 |
| September 2025 | September 20 |
| October 2025 | October 20 |
| November 2025 | November 20 |
| December 2025 | December 20 |
Comparison with Other Family Benefits
| Program | Eligibility | Monthly Amount | Payment Type |
|---|---|---|---|
| Canada Family Benefit (CFB) | Income-based | Up to $445 | Monthly |
| Canada Child Benefit (CCB) | Income-based | Varies | Monthly |
| Universal Child Care Benefit (UCCB) | Discontinued | N/A | N/A |
Unlike the UCCB, which was flat-rate for all families, the CFB targets families most in need.
The $445 Canada Family Benefit is a powerful new tool in the government’s effort to ease financial stress on families and ensure children receive the resources they need to thrive.
Starting in 2025, this monthly payment will offer crucial support to low- and middle-income households with children under 18. By meeting eligibility criteria, staying current with tax filings, and enrolling in the CCB, families can secure this essential benefit and build a stronger future.
FAQs
Do I need to apply separately for the CFB if I already receive the CCB?
No, if you’re already enrolled in the CCB and meet the income criteria, you will be automatically considered for the CFB.
What happens if I miss the tax filing deadline?
Failure to file your 2024 tax return may result in delayed or denied payments under the CFB program.
Can both parents receive the benefit?
The CFB is typically issued to the primary caregiver, similar to the CCB process.