Are you a parent or guardian in Canada? The Canada Child Benefit (CCB) can provide some financial relief for raising kids under 18. In November 2024, eligible families can expect up to $648.91 for children under six, or less depending on the child’s age and household income. Here’s everything you need to know, from eligibility requirements to payment dates and how to apply.
Eligibility Requirements
To qualify for the CCB, you need to meet the following conditions:
- Primary Caregiver: You must live with the child and be the primary caregiver.
- Canadian Residency: You must reside in Canada for tax purposes.
- Children’s Age: The benefit amount of $648.91 is specifically for children under six. However, if your child is older, you may receive a lesser amount based on the child’s age and family income.
- Income Requirement: Families with lower net household income receive higher benefits. As your income increases, the benefit decreases gradually.
Monthly Payment Date for November 2024
The Canada Revenue Agency (CRA) issues CCB payments monthly, usually around the 20th. For November 2024, payments are set to be disbursed on November 20. Here’s a look at the monthly payment schedule for upcoming months:
| Month | Payment Date |
|---|---|
| September | 20, 2024 |
| October | 18, 2024 |
| November | 20, 2024 |
| December | 13, 2024 |
Payments are directly deposited into your bank account or mailed as a cheque, depending on your preference.
How to Apply for the $648.91 Canada Child Benefit
If you’re a new parent or have recently moved to Canada, applying for the CCB is simple. Here’s a step-by-step guide:
- Online Application: Access your CRA My Account online. You’ll find an option to apply for CCB directly through the portal.
- Paper Application: Complete Form RC66 if you’re unable to apply online. This form is available on the CRA website, and you can submit it to a local tax office.
- Birth Registration: If your child is born in Canada, registering their birth with your province’s vital statistics agency usually automatically initiates the CCB application.
Remember to file your taxes each year to continue receiving the CCB without interruption. Even if your income is low, tax filing is required to verify eligibility.
Understanding the Benefit Amount
The CCB amount isn’t the same for everyone. Your specific benefit depends on:
- The number of children in your care,
- Their ages (with more for children under six),
- Your family’s net income from the previous year.
The benefit decreases incrementally as your household income increases. You can use the CRA’s CCB calculator to estimate your monthly benefit.
FAQs
- Who qualifies for the Canada Child Benefit?
Any Canadian resident who is the primary caregiver of a child under 18 may qualify. Eligibility is influenced by factors such as income, number of children, and the child’s age. - When will I receive the CCB payment in November 2024?
The CCB payment for November 2024 will be issued on November 20, 2024. - How do I apply if my child was born outside Canada?
Complete the RC66 form and submit it with necessary documents, such as your child’s birth certificate or proof of residency, to your local tax office.
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