If you’re expecting a baby or planning to grow your family in 2025, Canada CRA Parental Benefits offer vital financial support.
These benefits help new parents manage the expenses of childbirth, adoption, and early child-rearing through structured payments and income replacement programs.
Here’s everything new parents need to know about eligibility, payment amounts, application steps, and additional support options.
What Are CRA Parental Benefits in 2025?
The Canada Revenue Agency (CRA), in collaboration with Employment and Social Development Canada, provides multiple benefits for parents taking time off work to care for a child:
- Employment Insurance (EI) Maternity and Parental Benefits
- Canada Child Benefit (CCB)
These programs aim to ease the financial burden of early parenthood by replacing lost income and supporting the cost of raising a child.
Overview of Key CRA Parental Benefits (2025)
| Benefit | Eligibility | Amount (2025) | Payment Frequency |
|---|---|---|---|
| EI Maternity | Biological mothers with 600+ insurable hours | 55% of income, up to $695/week | Bi-weekly |
| EI Parental (Standard) | Parents of newborns/adopted children | 55% of income, up to $695/week | Bi-weekly |
| EI Parental (Extended) | Same as above | 33% of income, up to $417/week | Bi-weekly |
| Canada Child Benefit | Parents/guardians of children under 18 | Up to $7,787/year (under 6), $6,570/year (6–17) | Monthly |
EI Maternity and Parental Benefits Explained
Maternity Benefits
- Who qualifies: Only biological mothers
- Duration: Up to 15 weeks
- Amount: 55% of weekly earnings, up to $695/week
Parental Benefits
You can choose Standard or Extended parental leave. The option you choose is final for the duration of the benefit.
- Standard Benefits
- Duration: Up to 40 weeks shared between parents (max 35 weeks per parent)
- Amount: 55% of income, max $695/week
- Extended Benefits
- Duration: Up to 69 weeks shared (max 61 weeks per parent)
- Amount: 33% of income, max $417/week
Eligibility Requirements
- Must have worked 600 insurable hours in the past 52 weeks
- Have at least 40% reduction in weekly income due to parental leave
- Employment must be insurable
Canada Child Benefit (CCB): Monthly Tax-Free Support
The CCB is a tax-free monthly payment available to eligible families raising children under 18.
Eligibility
- Must live with and be the primary caregiver of the child
- Must be a Canadian resident for tax purposes
- Must file annual income taxes
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)
CCB 2025 Payment Dates
| Month | Payment Date |
|---|---|
| January | January 20 |
| February | February 20 |
| March | March 20 |
| April | April 17 |
| May | May 20 |
| June | June 20 |
| July | July 18 |
| August | August 20 |
| September | September 19 |
| October | October 20 |
| November | November 20 |
| December | December 12 |
How to Apply for CRA Parental Benefits in 2025
EI Maternity & Parental Benefits
- Visit Service Canada online
- Choose “Apply for EI Benefits”
- Provide details like SIN, banking info, employer history, and Record of Employment
- A decision is usually made within 28 days
- Payments are bi-weekly with a 1-week waiting period
Canada Child Benefit (CCB)
- Apply through your CRA My Account
- Submit Form RC66, or apply automatically via the Automated Benefits Application (ABA) at birth registration
Additional Support in 2025
- Quebec residents may access separate support under the Quebec Parental Insurance Plan (QPIP)
- Some employers offer top-up plans that supplement EI benefits, bringing total compensation to 70–90% of normal earnings
The Canada CRA Parental Benefits in 2025 offer substantial support for families welcoming a new child. With up to $7,787 annually per child, plus up to $695 per week in maternity and parental leave, these benefits are critical for financial stability during early parenthood.
By understanding the options, eligibility, and application process, parents can confidently access the support they deserve.
FAQs
Can both parents receive CRA parental benefits at the same time?
Yes, both parents can share benefits, but they must stay within the combined maximum weeks allowed (40 for standard, 69 for extended).
What happens if I apply for EI late?
Late applications may result in reduced payments. Apply immediately after stopping work to ensure full benefit access.
Are parental benefits taxed in Canada?
Yes, EI maternity and parental benefits are taxable and may affect your income tax return.