The Canada child benefit is an extensive overarching program that provides aid to families in need throughout Canada. However, each province also has its own rules and regulations. Here is a breakdown of what the child benefit for each province is and how they differ from one area to the next. Regardless of the specifics of the child benefit in your province, you should bear in mind that the benefit is the same as receiving cash. You can use this to pay for food,clothing, and other amenities, but you can also invest it or even use it to pay for a short-term cash loan if you need to (learn how to get a loan with Canada Child Benefit).
Differences Between Canada Child Benefit and Other Services
The Canada child benefit is a program that was installed in the year 2016. Previously, Canadians could receive similar benefits through programs like the Canada Child Tax Benefit, the National Child Benefit Supplement, or the Universal Child Care Benefit. The new child benefit supplanted these programs, replacing them with a more straightforward application system. At the same time, different provinces still have different variations on this credit. When you apply for the child benefit, you may also find that you are eligible for one of the additional tax benefits for your province. These benefits are listed below and are available to anybody who is a Canadian citizen and whose children were born in Canada.
Alberta Child Benefit
The Alberta child benefit is governed by the same agency that handles the Canadian child benefit, although the funds paid to families are issued separately. In Alberta, families can receive an additional benefit of up to $1,128 for the first child and $564 for each additional child to a maximum of four children. However, the government adjusts the amount of the payments downward if the family’s net income exceeds $26,141.
British Columbia Early Childhood Tax Benefit
New parents or those who have just recently taken responsibility for a child under six can qualify for an additional tax benefit if they live in British Columbia. The exact amount of this benefit depends on the number of eligible children you have and the total adjusted family net income of the applicants. While the benefit is province-specific, the payment comes at the same time as the Canada child benefit, essentially providing residents of British Columbia with a supplement to this benefit.
New Brunswick Child Tax Benefit
Residents of New Brunswick can receive the New Brunswick working income supplement as an addition to the Canada child benefit. The government adds the money from this supplement to the Canada child benefit when making payments. The additional money can come out to as much as $20.83 per month per child, with the Canadian government reducing that amount for families whose adjusted net income exceeds $20,000 per year.
Newfoundland and Labrador Child Benefit
Newfoundland and Labrador provide an additional financial benefit on top of the Canada child care benefit that is paid at the same time as the latter. The benefit can be up to $33.16 per month for the first child, $35.16 per month for the second child, $37.83 per month for the third child, and $40.50 per month for every child thereafter. For children under one year old, you may also qualify for $60 per month under the mother baby nutrition supplement plan. These amounts get lower as your family’s adjusted net income exceeds $17,397.
Northwest Territories Child Benefit
The Northwest Territories provide an additional child benefit that is combined with the Canada child benefit in one monthly payment. For children under six, families with an adjusted net income of $30,000 or less can expect to receive an additional $67.91 for one child, $122.25 for two children, $166.42 for three children, $203.75 for four children, and $30.58 for every additional child. Higher income families can expect to receive less, based on their income. The benefit continues for children older than six, but the monthly amount is lower for children aged six to 17.
Nova Scotia Child Benefit
Like many other provinces, Nova Scotia adds additional funding to the existing Canada child benefit. This can include up to $52.08 per month for the first child, $68.75 per month for the second child, and $75.00 per month for each additional child. This benefit applies to families with an adjusted net income below $18,000. However, families with an adjusted income of $18,000 to $26,000 may still qualify for part of the benefit.
Nunavut Child Benefit
Residents of Canada’s newest territory can receive an additional benefit of up to $27.50 per month per child in addition to the standard Canada child benefit. Additionally, families with an earned income of more than $3,750 may qualify for the territorial workers’ supplement, which is also added to the Canada child benefit. This supplement comes to $22.91 per month for one child or $29.16 per month for two or more children. The adjusted net income threshold for these benefits is $20,921, after which you might only receive part of the benefit.
Ontario Child Benefit
Ontario combined an additional benefit for low- and mid-income families into the Canada child benefit. You can receive up to $116.91 extra per month per child if your family’s adjusted net income comes to less than $21,416. After that point, you may only receive part of the benefit. You apply for this benefit with your Canada child benefit, but may need to provide additional information to the Ontario Ministry of Children and Youth Services to receive the full benefit.
Yukon Child Benefit
Finally, Yukon provides an additional child benefit of up to $68.33 per month per child. As with most other provinces, this additional benefit is paid at the same time as the Canada child benefit. The adjusted net income limit for this benefit is $35,000 – the highest among the provinces listed here – after which you may receive only a partial benefit.
This listing does not include all provinces because not all provinces provide an extra benefit that runs through the Canada Revenue Agency. If your province is not listed here, check with your local government to see if regional programs might provide a benefit. The benefits listed here are extra cash in addition to the normal child benefit. This means that you can use this for anything from basic amenities to repaying old debt to seeking out short-term loans that can help you improve your financial situation.