In addition to the Canada Child Benefit (CCB), eligible families in British Columbia receive the monthly tax-free B.C. Child Opportunity Benefit (BCCOB).
Both the CCB and BCCOB are administered by the Canada Revenue Agency and both are paid in one single monthly payment.
Other child-related benefits applicable to residents of British Columbia are:
- Affordable Child Care Benefit
- Families with Children Tax Deferment Program, and
- Climate Action Tax Credit
B.C. Child Opportunity Benefit
Formerly known as the B.C. Early Childhood Tax Benefit, the B.C. Child Opportunity Benefit is a tax-free monthly payment provided to parents with children under 18 years of age.
Families with a net income of $25,275 or less receive the maximum amount per child and the income threshold for calculating B.C. Child Opportunity Benefits is indexed to inflation. Income thresholds are readjusted every July.
The current payment period runs from July 2021 to June 2022.
How Much B.C. Child Opportunity Benefit Will You Get?
The maximum B.C. Child Opportunity Benefit payable per child per year is as follows:
- 1st Child: $1,600 ($133.33/month)
- 2nd Child: $1,000 ($83.33/month)
- Each subsequent child under 18: $800 ($66.67/month)
A family with a net income of $25,275 or less receives the maximum amounts. For example, if you have two children who are younger than 18 and your family’s net income is $25,275, you receive a total of $2,600 per year.
If your family’s net income is between $25,275 and $80,880, your total child benefit is reduced by 4% of the portion over $25,275 until it reaches:
- 1st Child: $700/year ($58.33/month)
- 2nd Child: $680/year ($56.67/month)
- Each subsequent child under 18: $660/year ($55/month)
For example, if your family’s net income is $60,000 and you have two children under 18, you will receive a maximum benefit of $1,380 per year (i.e. $700 + $680).
For net income exceeding $80,880, your total benefit is reduced by 4% of the amount over $80,880 until it reaches $0.
The image below shows how your child benefits vary with your family net income for 1 to 4 children.
If your income is $25,275 or less, the table below shows what you receive based on the number of children (applicable from July 2021 to June 2022):
|Number of Children||B.C. Child Benefit/month||B.C. Child Benefit/year|
You can use this B.C. Child Opportunity Calculator to estimate your benefit amount.
How to Apply For The B.C. Child Opportunity Benefit
The B.C. Child Opportunity Benefit is administered by the CRA on behalf of the B.C. provincial government.
If you have applied for the Canada Child Benefit, your eligibility for the BCCOB is automatically assessed at the same time and a separate application is not required.
If you have not applied for the Canada Child Benefit, you can either apply when you register your newborn or through your CRA My Account.
You can also complete the Canada Child Benefits Application (Form RC66) and mail it to your local CRA office.
Related: B.C. Tax Brackets and Rates.
B.C. Child Benefit Dates 2022
This benefit is paid on the same date as the Canada Child Benefit. For 2022, the payment dates are:
- January 20, 2022
- February 18, 2022
- March 18, 2022
- April 20, 2022
- May 20, 2022
- June 20, 2022
- July 20, 2022
- August 19, 2022
- September 20, 2022
- October 20, 2022
- November 18, 2022
- December 13, 2022
For questions about your benefits, contact the CRA at 1-800-387-1193.
Affordable Child Care Benefit
The Affordable Child Care Benefit is a monthly benefit that helps eligible families with child care costs. It was previously known as the Child Care Subsidy.
To be eligible, you must meet the following requirements:
- You must reside in B.C., and be a Canadian citizen or permanent resident of Canada
- You must have an eligible reason for needing childcare e.g. employment, schooling, medical condition, etc.
- You must have a family income of $111,000 or less
How much will you receive?
The amount of child care benefit or subsidy you receive is dependent on the number of children, the type of childcare they are in, whether they have special needs, and your household income.
For example, if your child has special needs, they may qualify for an extra $150 per month for child care.
A maximum benefit applies for each type of childcare. For example, for children under 19 months, the maximum monthly funding based on the type of childcare provided is:
- Group child care (licensed): $1,250
- Family child care (licensed): $1,000
- Registered but unlicensed care: $600
- Unregistered and unlicensed care: $438
- In child’s own home care: up to $394
The funding provided is reduced as the child grows older.
You may qualify for the maximum funding if your income is $45,000 or less, and partial funding if your family income is between $45,000 and $111,000.
You can also estimate how much you are eligible for using this calculator.
For a complete list of rates for the Affordable Child Care Benefit, click here.
How to Apply
You can apply for this benefit online, or submit an application by mail to Child Care Service Centre, P O Box 9953 Stn Prov Govt Victoria BC V8W 9R3.
You can also fax your application to 1-877-544-0699.
You will need to provide a completed child care arrangement form (CF2798), spousal information, personal details for each child including a government-issued ID, and reasons for needing child care.
You should apply for funding before the end of the month in which you need child care.
Families with Children Tax Deferment Program
This program offers eligible families a low-interest loan to defer property taxes on their principal residence.
To qualify for the loan, you must:
- Be a Canadian citizen or permanent resident
- Be a registered owner of the property
- Have resided in B.C. for at least 1 year
- Be financially supporting an eligible child
- Have a minimum of 15% equity in the property’s assessed value
You must also be paying property taxes to a municipality or the province and not have unpaid bills.
To apply, submit your application to eTaxBC here.
The interest rate for the Families with Children Program is 2.45% (simple interest).
Climate Action Tax Credit
The B.C. Climate Action Tax Credit (BCCATC) is a non-taxable payment made to eligible B.C. residents to help them offset the carbon taxes they pay.
Similar to the other benefits administered by the CRA, the payment period for the BCCATC runs from July to June. Payment is issued quarterly and combined with the GST or HST credit.
To be eligible for this tax credit, you must:
- Be a resident of B.C., and
- Be 19 years of age or older, or
- Have a spouse or common-law partner, or
- Be a parent and live with your child
How much will you receive?
The maximum credit for the July 2021 to June 2022 payment is:
- Individual: $174 ($43.50 per quarter)
- Spouse or common-law partner: $174 ($43.50/quarter)
- Child: $51 per child ($12.75/quarter). The credit is $174 for the first child in a single-parent family
The credit you receive is reduced by 2% of your adjusted family income over the threshold amount until it reaches $0.
The income threshold amounts are:
|Adjusted family net income threshold amount||Reduced credit if adjusted family net income is between||Adjusted net income where credit is reduced to zero|
|Single||$35,748||$36,142 – $44,842||$44,842 +|
|Married or common-law with no children||$42,165||$42,165 – $59,565||$59,565 +|
|Married or common-law with 1 child||$42,165||$42,165 – $62,115||$62,115 +|
|Married or common-law with 2 children||$42,165||$42,165 – $64,665||$64,665 +|
|Married or common-law with 3 children||$42,165||$42,165 – $67,215||$67,215 +|
|Single parent with 1 child||$42,165||$42,165 – $59,565||$59,565 +|
|Single parent with 2 children||$42,165||$42,165- $62,115||$62,115 +|
|Single parent with 3 children||$42,165||$42,165 – $64,665||$64,665 +|
Effective July 2022, the maximum annual climate action tax credit payment will increase to $193.50 for adult individuals and $56.50 per child.
B.C. Child Benefits FAQ
How much is the child benefit in BC?
The BC Child Opportunity Benefit provides up to $1,600 for the first child, $1,000 for the second child, and $800 for each additional child per year.
What is considered low income in BC?
For the purposes of the BC Child Opportunity Benefit, a net family income of $25,275 or lower qualifies you for the maximum benefit. For the Affordable Child Care Benefit, you may qualify for full funding if your family income is $45,000 or lower.
How much is child care subsidy in BC?
You could get up to $1,250 per month under the Affordable Child Care Benefit, previously referred to as the Child Care Subsidy.
How much is the Canada Child Benefit?
The federal CCB pays up to $569.41 per month for children under 6 years of age and up to $480.41 per month for children aged 6-17. You qualify for the maximum amounts if your adjusted family net income is less than $32,028.
Have questions about child benefits in B.C.? Leave them in the comments.