Additional amount of Canada Education Savings Grant - Eligibility
The additional amount of Canada Education Savings Grant (Additional amount of CESG) is available to children from low-income and middle-income families up to the end of the calendar year they reach the age of 17. There are, however, grant eligibility restrictions for children during the years when they are turning 16 and 17.
This grant is available as long as:
- the child is a resident of Canada;
- the child has a valid Social Insurance Number;
- the child is named in an RESP;
- contributions have been made in the RESP; and
- the Additional amount of CESG has been requested.
On the first $500 contributed into an RESP for an eligible child, the Additional amount of CESG could add:
- $100, if the adjusted income is $45,916 or less ($500 x 20% = $100); or
- $50, if the adjusted income is between $45,916 and $91,831 ($500 x 10% = $50).
Note: Children in care, such as those in foster care, automatically qualify for the yearly $100 amount.
Adjusted income limits are updated every year. This example is based on 2017 income levels.
To find out your adjusted income amount, consult your:
- Canada Child Benefit Notice;
- Goods and Services Tax Credit/Harmonized Sales Tax Credit Notice; or
- Notice of Assessment or Reassessment. (If you are married or in a common-law relationship, add the two net incomes for both you and your partner found on Line 236 of your assessments.) This information is also available through the Canada Revenue Agency “My Account” website.
If you are the primary caregiver, you can call the Canada Revenue Agency at 1-800-387-1193. For security reasons, you will be asked questions about your account before they will tell you your adjusted income. Make sure you have your tax or benefit statements on hand during the call.
A primary caregiver is the person who is in charge of a child’s care. That person also receives the Canada Child Benefit. In most cases, the mother is the primary caregiver.
If you opened an RESP and are not the primary caregiver, then you must ask him or her to complete their portion of the application form. If they don’t do this, the child cannot get the Additional amount of CESG.
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