Canadian workers with modest incomes are receiving renewed support in 2025 as the Canada Workers Benefit (CWB) continues to provide quarterly cash assistance. The program—one of the federal government’s most important financial relief measures—delivers up to \$730 in advance payments for eligible families and individuals this year, with the first deposits set for July 11, 2025.
Administered by the Canada Revenue Agency (CRA), the benefit helps reduce financial stress for low-income households while rewarding workforce participation. Combined with the Disability Supplement, the payments make the program one of the most accessible and valuable supports for Canadians working in lower-wage sectors.
With inflation still pressuring budgets, the Canada Workers Benefit is not just a tax credit—it’s a lifeline. This comprehensive report explains who qualifies, how much you can expect, and when payments will arrive.
What Is the Canada Workers Benefit?
The Canada Workers Benefit (CWB) is a refundable tax credit that provides extra income to Canadians with low or moderate earnings. Unlike deductions that reduce taxable income, the CWB puts money directly into workers’ pockets, even if they owe little or no tax.
It has two key parts:
- Basic Amount – for individuals and families who meet income thresholds.
- Disability Supplement – an added top-up for those approved for the Disability Tax Credit (DTC).
The program’s objective is simple: support low-income workers while encouraging continued participation in the labour market.
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Advance Payments – Cash Flow When You Need It
Instead of forcing workers to wait until tax season, the CRA distributes up to 50% of the total annual CWB in advance instalments. This system, known as the Advanced Canada Workers Benefit (ACWB), delivers payments three times during the year.
Key facts:
- Automatic – no separate application is required.
- Eligibility is based on your 2024 tax return.
- Direct deposits go out in July, October, and January.
For those who qualify for the Disability Supplement, that amount is also spread across advance payments.
Eligibility Criteria in 2025
To qualify for the CWB, you must meet certain requirements:
- Be a Canadian resident for the entire year.
- Be at least 19 years old by December 31, 2024, unless living with a spouse or child.
- Have earned working income and family net income below CRA thresholds.
Exclusions:
- Full-time students (more than 13 weeks), unless they have dependents.
- Individuals incarcerated for 90+ days.
- Certain non-residents exempt from Canadian tax (e.g., diplomats).
Income Limits for 2025
Your eligibility and the amount you receive depend on your income level.
| Category | Maximum Income to Qualify |
|---|---|
| Single | \$36,749 |
| Families | \$48,093 |
The benefit begins to phase out as your income rises.
The Disability Supplement
The Disability Supplement is an additional payment for those with long-term impairments recognized under the Disability Tax Credit (DTC).
Requirements:
- An approved Form T2201.
- Proof of eligibility for the DTC.
Even if your income is too high for the basic CWB, you may still qualify for the supplement. In 2025, the maximum supplement is \$821 annually.
Application Process – How to Get the Benefit
The process is simple and automatic.
- If you file taxes online, most software calculates eligibility.
- For paper returns, complete Schedule 6 and attach it to your return.
- Couples must coordinate claims:
- If one spouse qualifies for the DTC, they can claim both the base and the supplement.
- If both qualify, each fills Schedule 6, but only one can claim the basic benefit.
As long as taxes are filed before November 1, 2025, advance payments will be issued automatically.
Maximum Benefit Amounts for 2025
The CWB payout varies by income, family size, and province.
| Category | Max Benefit | Phase-Out Starts | Fully Phased Out |
|---|---|---|---|
| Single | \$1,590 | \$26,149 | \$36,749 |
| Families | \$2,739 | \$29,833 | \$48,093 |
| Disability Supplement | \$821 | \$36,748 (single) | Up to \$59,038 |
These figures apply nationwide, though Quebec, Alberta, and Nunavut use slightly different calculations.
July 2025 Payment – What to Expect
The first advance payment of 2025 will be issued on Friday, July 11, 2025.
Estimated amounts:
- Single individual: \$265.00
- Eligible family: \$456.50
- Disability top-up (per adult): \$136.83
- Max couple (base + disability): \$730.17
Provincial variations apply, and exact amounts depend on your reported income. Seniors, students with dependents, and individuals with disabilities may see higher totals.
Full Payment Schedule for 2025–26
The ACWB schedule for advance payments is as follows:
| Payment Number | Payment Date |
|---|---|
| 1st Payment | July 11, 2025 |
| 2nd Payment | October 10, 2025 |
| 3rd Payment | January 12, 2026 |
The remaining 50% of your entitlement will be included in your 2025 tax refund.
Is the Canada Workers Benefit Taxable?
The Canada Workers Benefit is non-taxable. Recipients keep every dollar, whether it comes as a refund or as advance payments.
This makes the CWB especially valuable, as it does not reduce eligibility for other benefits like:
- Canada Child Benefit (CCB).
- GST/HST Credit.
- Guaranteed Income Supplement (GIS).
Why the CWB Matters in 2025
With affordability challenges dominating Canadian households, the CWB provides a critical income top-up for those earning modest wages.
It ensures that:
- Work pays off by rewarding employment.
- Families have steady cash flow through quarterly payments.
- Individuals with disabilities receive added support.
- Canadians facing rising food, rent, and fuel costs have access to relief.
The 2025 enhancements underline its role as a cornerstone of Canada’s social safety net.
5 FAQs
Q1: How much is the Canada Workers Benefit in 2025?
Singles can receive up to \$1,590, families up to \$2,739, and those with disabilities may get an extra \$821.
Q2: When is the first payment for 2025?
The first advance payment will be issued on July 11, 2025.
Q3: Do I need to apply for the CWB?
No. The benefit is calculated automatically when you file your taxes.
Q4: Is the Canada Workers Benefit taxable?
No. The CWB is non-taxable, and payments don’t reduce other federal benefits.
Q5: How do couples claim the CWB?
Couples coordinate claims: if one spouse qualifies for the DTC, they may claim both the basic and the disability supplement.
