InfoCapsule: Primary caregiver (PCG)

Disclaimer: RESP promoters

The information contained on this page is technical in nature and is intended for Registered Education Savings Plan (RESP) and Canada Education Savings Program promoters. For general information, visit the RESP section.

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5. Primary caregiver (PCG)

A primary caregiver (PCG) is the person primarily responsible for the care and upbringing of a child. A PCG can be an individual or a public entity. Information on the PCG or their cohabiting spouse or common-law partner is required to request the additional amount of Canada Education Savings Grant (Additional CESG) and the Canada Learning Bond (CLB).

Individual PCG

The person eligible to receive the Canada child benefit (CCB) payment for the child as defined under the Income Tax Act.

Shared custody

Since July 1, 2011, 1 child can be in the care of 2 individual PCG in the same month of a given year. Only 1 of the 2 PCGs’ information can be sent per transaction to the Canada Education Savings Program system.

Note: To request the Additional CESG and the CLB, the individual PCG, their cohabiting spouse or common-law partner must provide their Social Insurance Number (SIN).

Public PCG

A child care department, agency, institution or organization eligible to receive payments under the Children’s Special Allowances Act, for the child, for at least 1 month of the benefit year.

Note: To request the Additional CESG and the CLB, the public PCG must provide their Business Number (BN).

General information

Employment and Social Development Canada (ESDC) communicates with the Canada Revenue Agency (CRA) to verify the child’s eligibility, using the PCG’s information.

Additional CESG and CLB amounts can only be paid if all beneficiaries of the RESP are siblings.

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