December $648 Canada Child Benefit Payment 2024: The Canada Child Benefit (CCB) is a lifeline for millions of families across Canada, offering financial support to ease the cost of raising children. For December 2024, families may receive up to $648 per child under six years of age, depending on their income. If you are wondering about your eligibility, payment dates, and how this benefit works, this comprehensive guide has you covered.
Understanding the Canada Child Benefit is crucial, whether you are a parent or caregiver looking for financial help. In this article, we break down the eligibility criteria, payment schedules, and essential information to ensure you receive the CCB without missing a beat.
December $648 Canada Child Benefit Payment 2024
| Details | Information |
|---|---|
| Payment Date (December 2024) | December 13, 2024 |
| Monthly Benefit Amount | Up to $648 for children under 6; $547 for ages 6-17 |
| Eligibility | Canadian residents, parents of children under 18, filed annual tax returns |
| Annual Income Threshold | Gradual reduction begins after $36,502 annual family net income (AFNI) |
| How to Apply | Online via CRA My Account or mail Form RC66 |
| Official Resource | Canada Child Benefit (CRA) |
The Canada Child Benefit provides crucial financial support to families across Canada. For December 2024, eligible families can receive up to $648 per child under six, helping to ease expenses during the holiday season. To ensure you receive the benefit, make sure you meet the eligibility criteria, file your taxes annually, and have your information updated with the CRA.
Additionally, families may qualify for related benefits, such as the Child Disability Benefit (CDB) or provincial programs, to further support child-rearing costs. If you haven’t applied for the CCB yet, follow the steps outlined here to secure your payments.
What is the Canada Child Benefit (CCB)?
The Canada Child Benefit (CCB) is a tax-free monthly payment provided by the Government of Canada. It is designed to help families cover the costs of raising children under the age of 18. The CCB is managed and distributed by the Canada Revenue Agency (CRA).
The benefit amount varies depending on your adjusted family net income (AFNI) and the number and ages of your children. Families with lower incomes receive the highest payments, while those with higher incomes see gradual reductions.
December 2024 CCB Payment Date
If you are expecting a Canada Child Benefit payment in December 2024, mark your calendars. The CRA has scheduled the December payment for December 13, 2024. This payment ensures families receive their funds just before the holiday season, helping parents manage increased expenses during this time.
Payments are made via direct deposit or mailed cheques, depending on the payment method you selected.
Canada Child Benefit Eligibility Criteria
To qualify for the Canada Child Benefit, you must meet the following conditions:
1. Primary Caregiver
You must be primarily responsible for the care and upbringing of the child. This includes:
- Ensuring the child’s daily needs are met (feeding, clothing, and housing).
- Overseeing their activities and care.
2. Child’s Age
The child must be under 18 years old.
3. Canadian Residency
You (and your spouse or common-law partner) must be residents of Canada for tax purposes.
4. Tax Returns
Both you and your spouse/common-law partner must file annual income tax returns. The CRA uses this information to calculate your benefit amount based on your adjusted family net income (AFNI).
5. Legal Status in Canada
You or your spouse/common-law partner must be:
- A Canadian citizen,
- A permanent resident,
- A protected person (refugee status), or
- A temporary resident who has lived in Canada for the previous 18 months with a valid permit.
How Much Can You Receive from $648 Canada Child Benefit
The CCB payment amount depends on your family income and the number of children. Here are the maximum annual amounts for the July 2024 – June 2025 payment period:
- Children under 6 years old: Up to $7,787 annually (about $648.91 per month).
- Children aged 6 to 17 years: Up to $6,570 annually (about $547.50 per month).
Example Calculation:
If you have two children under six and your family income is below $36,502, you would receive:
- $648.91 x 2 = $1,297.82 per month.
As your income increases above $36,502, your payments gradually decrease. The reduction is calculated based on your adjusted family net income and the number of children.
Additional Benefits Linked to CCB
Along with the CCB, families may qualify for additional benefits depending on their situation:
1. Child Disability Benefit (CDB)
If your child has a severe and prolonged disability, you may be eligible for the Child Disability Benefit (CDB). This benefit provides up to $3,173 per year (about $264.41 per month) for families caring for a child under 18 with disabilities.
2. Provincial and Territorial Benefits
Some provinces and territories offer their own child benefit programs, such as:
- Ontario Child Benefit
- Quebec Family Allowance
- BC Family Benefit
These benefits are paid in addition to the federal CCB.
3. GST/HST Credit
Eligible families with low or modest incomes may also receive the GST/HST Credit to offset sales taxes.
How to Apply for the $648 Canada Child Benefit
If you are a new parent or have recently moved to Canada, here are the steps to apply for the CCB:
1. Apply Online
- Log in to your CRA My Account.
- Select “Apply for child benefits.”
- Follow the on-screen instructions and provide required details.
2. At Birth Registration
When you register your child’s birth in your province or territory, you can consent to have your information shared with the CRA for CCB application.
3. Apply by Mail
- Complete Form RC66 (Canada Child Benefits Application).
- Mail it to your local tax services office.
Payment Methods
The CRA issues CCB payments in two ways:
- Direct Deposit: This is the fastest and most secure method. Payments are deposited directly into your bank account.
- Cheque: If you prefer, the CRA can mail a cheque to your registered address.
To set up direct deposit, log in to your CRA My Account or use your bank’s online services to link your account.
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FAQs about December $648 Canada Child Benefit Payment 2024
1. How often are CCB payments made?
CCB payments are made monthly, usually on the 20th of each month. However, for December 2024, the payment will be made earlier on December 13, 2024.
2. Can I receive the CCB if I’m a temporary resident?
Yes, if you have lived in Canada for the previous 18 months and hold a valid permit in the 19th month, you may be eligible.
3. What happens if my income changes during the year?
The CRA recalculates CCB payments every July based on the previous year’s tax return. If your income changes, it will affect your payments in the next benefit period.
4. Are there additional benefits for families with children with disabilities?
Yes, the Child Disability Benefit (CDB) provides up to $3,173 annually for families with eligible children.
5. What if I missed applying for the CCB?
You can apply retroactively for up to three years. Submit your application as soon as possible.
