While the federal Canada Child Benefit (CCB) provides a vital foundation, provincial and territorial child benefits can significantly enhance a family’s financial support. These programs vary widely—not just in name, but in how much support they offer, who qualifies, and how payments are structured. For families considering a move or new immigrants deciding where to settle, understanding these differences can be invaluable.
Ontario: Ontario Child Benefit (OCB)
Ontario offers the Ontario Child Benefit (OCB), designed for low- to moderate-income families. Eligible families can receive up to $1,607 per child annually. The benefit is integrated with the CCB, so no separate application is required—eligibility is assessed through tax returns.
British Columbia: BC Family Benefit
British Columbia’s BC Family Benefit provides monthly payments to families with children under 18. In 2025, families may receive up to $1,750 per child under six and $1,500 for older children, depending on income. Families with a net income below $27,000 typically receive the maximum amount.
Alberta: Alberta Child and Family Benefit (ACFB)
Alberta’s ACFB supports lower-income families with or without employment income. In 2025, a family with one child can receive up to $1,410 annually, increasing with more children. Payments are made quarterly and are not taxable.
Québec: Family Allowance Program
Québec operates its own Family Allowance, separate from the federal system. Payments are made quarterly and can reach up to $2,800 per child annually, based on income and family size. Additional supplements may apply for single parents or families with more than one child.
Manitoba, Saskatchewan, and Others
Other provinces also offer child-related credits or programs, though often at lower amounts. For instance, Manitoba’s Child Benefit Supplement and Saskatchewan’s Child Benefit both target low-income families but have more modest payout levels compared to provinces like Québec or BC.
Key Takeaways
- Provincial benefits are income-tested and typically administered alongside the CCB
- Québec offers the highest standalone provincial benefit
- British Columbia and Alberta provide generous top-ups, especially for lower-income families
- Families do not usually need to apply separately—tax filing is the primary requirement
Choosing where to raise a family in Canada isn’t just about climate and culture—it can also be about financial support. By understanding the range of provincial benefits, families can make more informed decisions and better plan for their children’s future.
