If you live in Ontario and have children under your care, you may qualify for help in raising them through the Ontario Child Benefit.
This post covers the benefit program, eligibility, how much you can receive as child benefit in Ontario, and the Ontario child benefit payment dates for eligible families.
Ontario Child Benefit Payment Dates 2021
The Ontario Child Benefit is paid monthly to eligible Ontario residents. The payments are combined into a single credit with the Canada Child Benefit (CCB).
So you can expect your benefit on the same dates as the CCB dates. Therefore, the Ontario Child Benefit Dates for 2021 are:
|Benefit Month||Ontario Child Benefit Payment Dates|
|January 2021||January 20, 2021|
|February 2021||February 19, 2021|
|March 2021||March 19, 2021|
|April 2021||April 20, 2021|
|May 2021||May 20, 2021|
|June 2021||June 18, 2021|
|July 2021||July 20, 2021|
|August 2021||August 20, 2021|
|September 2021||September 20, 2021|
|October 2021||October 20, 2021|
|November 2021||November 19, 2021|
|December 2021||December 13, 2021|
About Ontario Child Benefit
Ontario Child Benefit (OCB) is a CRA-administered and Ontario government funded program that helps families with the cost of raising their children.
It pays a monthly tax-free benefit to families with low to moderate income.
Who is eligible for Ontario Child Benefit?
The eligibility for Ontario Child Benefit is accessed based on 3 factors, namely residency, income and having children in your care.
Your marital status and your employment status are not considered and won’t affect how much you can receive.
Obviously, you must reside in Ontario and file your taxes as an Ontario resident
Children in care
OCB is meant to help with the cost of raising children. Therefore, having kids in your care is another key criteria used in assessing your eligibility and how much you can receive.
Family Net Income
OCB is income-tested and is available for low to medium income families. That means you’ll only receive the benefit if your family net income is below the threshold.
In summary, to be eligible for the Ontario Child Benefit, you must meet the following conditions:
- Be a resident of Ontario
- Have children in your care that are under 18 years old
- Have a family income below the set threshold
Ontario Child Benefit Rates: How much do you get for child benefit in Ontario?
Eligible families can receive up to $1,473.96 per child as Ontario Child Benefit for the July 2021 to June 2022 benefit period. That works out to be $122.83 per child below age 18.
To receive the maximum amount, your family net income must be below $22,504. Learn more about the OCB income thresholds below.
Income Threshold for OCB
There are 2 main income thresholds for Ontario Child Benefit.
The first income threshold is $22,504. Families with a net income of $22,504 and below will receive the maximum OCB rate of $122.83 per child each month.
Beyond this limit, the benefit starts reducing until it is fully clawed back when the family net income reaches $59,354.
The clawback rate for Ontario Child Benefit for the 2021/2022 period is 4%.
|Income Thresholds||Adjusted net income|
|Income to receive maximum OCB amount||$22,504|
|Income level when OCB is reduced to zero||$59,354|
Ontario Child Benefit Calculator
If your net income is $22,504, you’ll get the full monthly benefit and don’t need to use an Ontario Child Benefit Calculator.
Otherwise, here’s a simple step-by-step instruction you can follow to calculate the amount for the 2021/2022 period:
- Step 1: Get your adjusted family net income for the 2020 tax year
- Step 2: Subtract $22,504 from your net income to get the excess income that would be used to calculate the claw back amount
- Step 3: Multiply the result from step 2 by 4% to get the claw-back amount
- Step 4: Subtract the claw-back amount from $1,473.96 to get the OCB amount per child
- Step 5: Multiply the OCB amount gotten in Step 4 by the number of children in your care to know how much your total OCB will be.
The table below shows how much you can expect to receive as child benefit in Ontario based on different net income levels ranging from $25,000 to the maximum income level for OCB of about $59,000.
|4% Claw Back|
Hopefully, the table above will give you a rough estimate of how much you can receive.
How to apply for Ontario Child Benefit
Fortunately, there’s no separate application for Ontario Child Benefit (OCB). So there’s level paper work and documentation to deal with.
If you already receive Canada Child Benefit, you’ll be automatically enrolled for OCB if you’re eligible. And if you’re not receiving CCB, simply apply for the benefit to be assessed for Ontario Child Benefit.
The process is the same if you’ve just had a new baby or became responsible for a child in your care. New immigrants can also start receiving Ontario child benefit by sending an application for CCB to CRA.
If you moved to Ontario from another province, make sure you update your records with CRA as soon as possible to start receiving the Ontario child benefit.
The easiest way to do this is through the CRA My Account.
Ontario Child Benefit Increase 2021
OCB is indexed to inflation so there’ll be slight increases every year when the new benefit period starts (July 2021).
Unfortunately, the increases are generally small and immaterial even for families receiving the maximum OCB amounts.
For the July 2021 to June 2022 period, a family receiving the maximum amount will only get an extra $1.08 per month or less than $13 in a year.
However, the Ontario government introduced a number of extra one-off benefits to help families deal with the impact of COVID-19.
Some of these included the Ontario COVID-19 Child Benefit that paid between $400 and $500 per child to all families irrespective of the family net income.
Other Ontario Government Benefits
In addition to the Ontario Child Benefit, the Ontario government also offers several social assistance programs with varying eligibility conditions.
Some of the benefit programs include:
Ontario Trillium Benefit: is a CRA administered program. It is made up of 3 different credits that are combined and paid monthly to eligible residents. These include:
- Ontario energy and property tax credit
- Northern Ontario energy credit
- Ontario Sales tax credit
Ontario Works: helps those with financial need to cover their living expenses including food, shelter, clothing and health benefits.
Eligible residents can get up to $733 per month for their basic needs, in addition to other benefits. Learn more about Ontario Works, its eligibility, rates and payment dates in the post below.
Related Post: Ontario Works Payment Dates and Benefits
Ontario Disability Support Program: is a welfare program that provides income support and employment assistance for Ontario residents that meet the definition of persons with a disability.
Learn more: ODSP Benefits and Payment Dates
Ontario Senior homeowners’ property tax grant: provides a maximum grant of $500 in 2021 to seniors that own their own houses.
It is designed to offset the property taxes paid by seniors with low to moderate income levels.
Ontario Autism Program (OAP): helps families raising a child under 18 with an autism diagnosis from qualified professionals.
The program provides funding to cover eligible services and supports needed by eligible families.
Canada Child Benefit (CCB)
The Canada Child Benefit (CCB) is the federal government child support program available to all families with children aged 18 and below.
For the CCB benefit period starting July 2021, eligible families can receive up to:
- $6,833 for each child below 6 years old; or
- $5,765 for each child aged 6-17
CCB is a tax-free and paid monthly. Also it is income-tested so higher-income families will receive a partial benefit.
Learn more about the Canada Child Benefit and the payment dates.
Other Provincial Child Benefit Programs
Most of the other provinces and territories have their own funded Child benefit programs that are administered by CRA:
Some of the programs include:
Alberta Child and Family Benefit: a quarterly benefit to Albertans that was introduced in July 2020 to replace the Alberta Child benefit and the Alberta Family Employment Credit.
Payments are made in February, May, August, and November.
Learn more about Alberta Child and Family Benefit and payment dates
BC Child Opportunity benefit: was introduced in October 2020 to replace the BC early childhood tax benefit. The benefit is fully funded by the BC government, but it is administered by CRA and combined with CCB.
Eligible families can receive $1,600 for the first child, $1,000 for the second and $800 for each additional children in the family.
The benefit is income-tested and will gradually reduce once the net family income exceeds $25,000.
Other provincial child benefit programs are:
- New Brunswick child tax benefit
- Newfoundland and Labrador child benefit
- Northwest Territories child benefit
- Nova Scotia child benefit
- Nunavut child benefit
- Ontario child benefit
- Yukon child benefit
You don’t need to apply separately for any of these programs. CRA will assess your eligibility and combine the benefit with your CCB if you qualify.
Is Ontario Child Benefit (OCB) Taxable?
Like CCB, Ontario child benefit is a tax-free monthly benefit. Any amount received are not taxable and won’t have to be reported on your income tax returns when you file your taxes.
But to receive the benefit, you must have filed your taxes for the previous year in order for your eligibility to be determined.
Some FAQs: Ontario Child Benefit
You can receive up to a maximum OCB of $1,473.96 per child if your family net income is below $$22,504. The amount is gradually reduced once your income crosses the threshold.
Outside of the expected and normal inflation adjustment to the OCB amount for the period starting July 2021, there are no increases to the Ontario child benefit rates.
There is no separate application for Ontario child benefit. CRA will assess your eligibility when you apply for Canada Child benefit and pay your benefits monthly