As the cost of living continues to rise across Canada, the CRA Parental Benefits remain a critical support system for parents welcoming a new child in 2025. These benefits offer a financial cushion during one of life’s most demanding and transformative times—helping families navigate the early stages of parenting with peace of mind.
Whether you’re expecting a baby or recently adopted a child, this comprehensive guide will explain everything you need to know about CRA Parental Benefits, including eligibility, payment amounts, application steps, and key April 2025 dates.
What Are CRA Parental Benefits?
CRA Parental Benefits refer to a combination of federal financial support programs that help parents manage their income while caring for a newborn or adopted child. These include:
- Employment Insurance (EI) Maternity and Parental Leave Benefits — administered by Service Canada
- Canada Child Benefit (CCB) — administered by the Canada Revenue Agency (CRA)
Together, these benefits provide weekly and monthly payments to eligible parents, helping reduce the financial pressure of time away from work and child-rearing costs.
Types of CRA Parental Benefits in 2025
| Benefit Type | Eligibility | Max Benefit (2025) | Payment Frequency |
|---|---|---|---|
| EI Maternity | Biological mothers with 600 insurable hours | Up to $695/week for 15 weeks | Weekly |
| EI Parental – Standard | Either parent with 600 insurable hours | Up to $695/week for 35 weeks (shared max: 40) | Weekly |
| EI Parental – Extended | Same as above | Up to $417/week for 61 weeks (shared max: 69) | Weekly |
| CCB (Canada Child Benefit) | Parents of children under 18, income-tested | $7,787/year (under 6), $6,570/year (6–17) | Monthly |
EI Maternity and Parental Leave Benefits
These benefits provide temporary income replacement for Canadians who are unable to work due to pregnancy, childbirth, or caring for a new child. To qualify:
- You must work in insurable employment.
- You need at least 600 hours worked in the past 52 weeks.
- You must have a reduction in weekly earnings of at least 40%.
Maternity Benefits (only for biological mothers):
- Duration: 15 weeks
- Can begin up to 12 weeks before due date
- Payment: 55% of average weekly income (max $695/week)
Parental Benefits (Standard vs. Extended):
- Standard: Up to 35 weeks per parent, capped at 40 weeks total (only one parent may claim 35 weeks max). Paid at 55% of earnings (max $695/week).
- Extended: Up to 61 weeks per parent, capped at 69 weeks total. Paid at 33% of earnings (max $417/week). Offers longer leave but lower weekly payments.
Note: You must choose between standard or extended benefits when applying. This choice is irreversible once the claim is approved.
How to Apply for EI Maternity and Parental Benefits
- Apply online at the Service Canada website.
- Submit your Record of Employment (ROE) from your employer.
- Indicate the date of birth or expected due date of the child.
- Select either standard or extended parental benefit.
- Await confirmation — payments typically begin within 28 days.
For self-employed parents, enrollment in the EI special benefits program for at least 12 months is required, along with minimum income thresholds.
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Canada Child Benefit (CCB) – CRA’s Monthly Family Support
The Canada Child Benefit (CCB) is a tax-free monthly payment that helps eligible families with the cost of raising children under 18 years old. It is considered one of the most generous child benefit programs globally.
Eligibility Criteria:
- Must live with and be primarily responsible for a child under 18
- Be a Canadian resident for tax purposes
- Be a citizen, permanent resident, or protected person
- Both parents must file a tax return annually
CCB Payment Amounts (July 2024 – June 2025):
- Children under 6: Up to $7,787/year (~$648.91/month)
- Children 6–17: Up to $6,570/year (~$547.50/month)
These payments are income-tested. Families earning more than $36,500 annually will see gradual reductions in benefit amounts.
April 2025 CCB Payment Date:
- Next payment: April 17, 2025
- Remaining dates for 2025: May 20, June 20, July 18, August 20, September 19, October 20, November 20, December 12
How to Apply for Canada Child Benefit
You can apply in any of the following ways:
- Online: Through your CRA My Account
- By Mail: Using CRA Form RC66
- Automatically: By registering your child’s birth in your province (opt-in system)
Tips for Parents in 2025
- Start tracking your work hours early to meet the 600-hour EI requirement.
- Compare standard vs. extended parental benefit options based on your income and time needs.
- Apply for benefits as soon as you stop working to avoid delays.
- Sign up for direct deposit to get payments faster.
- Notify CRA and Service Canada if your address or marital status changes.
CRA Parental Benefits FAQs
Can I switch from standard to extended parental benefits later?
No. Once selected and approved, your choice of parental benefit type cannot be changed.
What if I don’t file my taxes?
Both parents must file tax returns every year to remain eligible for the CCB. Failure to do so can delay or suspend payments.
Do I need to apply separately for EI and CCB?
Yes. EI maternity/parental benefits and the CCB are separate programs with different application processes.
Conclusion
The CRA Parental Benefits system is designed to ease the financial strain on families during the first months or years of a child’s life. With generous maternity and parental leave options and monthly CCB payments, Canadian parents are well-supported — provided they meet the requirements and apply on time. Whether you’re planning ahead or preparing to welcome your child soon, now is the time to get informed and apply for the support you deserve.