Canadian families may soon receive a $648.91 payment under the Canada Child Benefit (CCB) program as part of the government’s annual indexation for 2025. This non-taxable monthly payment helps eligible families cover the cost of raising children under the age of 18. With inflation adjustments factored in, this mid-year payout is expected to benefit millions of parents nationwide. Here’s what to know about eligibility, payment dates, and how much your family could receive.
Who Is Eligible for the $648.91 Canada Child Benefit?
To qualify for the CCB, you must be a Canadian resident who is primarily responsible for the care of a child under 18. You must also have filed your 2023 income tax return, as eligibility is based on family net income. Permanent residents, protected persons, and certain temporary residents are also eligible under specific conditions. The benefit is recalculated every July, and the payment amount varies by income and number of children.
| Eligibility Requirement | Details |
|---|---|
| Residency | Must be a Canadian citizen or legal resident |
| Child Age | Under 18 years old |
| Tax Filing | 2023 return must be filed by both parents |
| Primary Caregiver | Must live with and be primarily responsible |
| Status | Includes permanent and protected persons |
How Much Will Families Receive?
The $648.91 figure represents an average monthly payment for families with one child, although exact amounts vary depending on your adjusted family net income. For 2025, the maximum annual CCB is expected to rise due to inflation, providing up to $7,786 per child under 6 and $6,570 for children aged 6 to 17. Lower-income families will receive closer to the maximum, while higher earners receive reduced amounts or may phase out entirely.
When Will the Payment Be Issued?
CCB payments are made monthly, and the new indexed amount for 2025 begins in July. Families can expect their first updated payment, potentially including the $648.91 amount, by July 19, 2025. Payments are made via direct deposit for those registered with the CRA, or by cheque for others. The July payment reflects the updated benefit calculation based on 2023 income, so it’s important to ensure both parents have filed their tax returns.
What to Do If You Haven’t Received It
If you are eligible but haven’t received your July payment by the expected date, log in to your CRA My Account to verify your payment status and banking information. Late tax filing or missing documents can delay your CCB. Make sure your child’s information is up to date and that your address and marital status are correct. You may also contact the CRA directly for support or clarification.
The $648.91 Canada Child Benefit for 2025 is a welcome relief for many families adjusting to the rising cost of living. With automatic qualification for eligible households, it ensures that Canadian children continue to receive support. If you meet the income and caregiving requirements, and your tax information is current, you can expect to see the updated payment land in your account starting July 19, 2025.
FAQ’s:
1. Is the $648.91 a one-time payment or monthly?
It is part of the monthly CCB and reflects the updated amount starting July 2025.
2. Do both parents need to file taxes?
Yes, both must file their 2023 tax returns to determine the household’s eligibility and payment amount.
3. Is the CCB taxable income?
No, the Canada Child Benefit is a non-taxable government benefit.
4. What if I recently had a baby?
You must update your child’s details with the CRA to start receiving CCB payments.
5. Can newcomers to Canada qualify?
Yes, if they meet residency and status requirements and file taxes accordingly.
