Are you a parent or caregiver of a child with a disability? Navigating the financial aspects of caregiving can be challenging, but the Child Disability Benefit (CDB) is a vital resource designed to provide crucial support. In this post, we'll break down everything you need to know about the CDB.
I wanted to mention that all the information in this article is based on information from the Government of Canada’s website in February 2025.
Disclaimer: This blog post is for informational purposes only and is not intended as legal or financial advice. Please consult with a qualified professional for personalized guidance regarding your specific situation.
What is the Child Disability Benefit (CDB)?
The CDB is a tax-free monthly payment aimed at helping families caring for a child under 18 with a severe and prolonged impairment in physical or mental functions. It's designed to offset the additional costs associated with raising a child with disabilities.
Eligibility Requirements: Connecting the Dots
To be eligible for the CDB, you must first be eligible for the Canada Child Benefit (CCB). Secondly, your child must be eligible for the Disability Tax Credit (DTC). If your child is already approved for the DTC and you're receiving the CCB, you don't need to apply separately for the CDB; it will be automatically provided.
A child is eligible for the DTC when a medical practitioner certifies, using Form T2201, that the child has a severe and prolonged impairment, and the Canada Revenue Agency (CRA) approves the form.
Understanding the Payment Amounts
Your CDB payments are calculated based on the number of eligible children and your adjusted family net income (AFNI). Every July, your CDB payments are recalculated based on your AFNI from the previous year's tax return.
For the period of July 2024 to June 2025, you could receive up to $3,322 annually, or $276.83 per month, for each child eligible for the DTC. The benefit starts to be reduced when your AFNI exceeds $79,087.
You can use the child and family benefits calculator on the CRA website to estimate your benefit amount.
Ensuring Continued Benefits
To continue receiving the CDB, you must remain eligible for the CCB, and your child must remain eligible for the DTC. It's crucial to file your taxes on time every year, even if you have no income, as the CRA uses this information to calculate your benefits. If you have a spouse or common-law partner, they also need to file their taxes on time.
Keep your personal information updated with the CRA to ensure you're receiving the correct benefit amounts.
Support in Abusive Situations
If you're leaving an abusive or violent situation, you can still receive benefits without putting yourself or your family at risk. Visit the CRA website for more information on getting benefits in these situations.
A Vital Resource for Families
The CDB is a crucial support for families caring for children with disabilities. Understanding the eligibility requirements and how the benefit is calculated can help you access this valuable resource.
For more information about other tax credits and financial resources, check out.