Great news for low-income workers and families in Canada! The Canada Workers Benefit (CWB) is getting a major update in 2025, with higher payment amounts, quarterly payouts, and expanded support through the Advanced Canada Workers Benefit (ACWB).
If you’re struggling with rising living costs, this benefit could be a financial lifeline. Here’s a detailed look at everything you need to know about the 2025 Canada Workers Benefit, including eligibility, new payment amounts, important dates, and how to maximize your benefits.
What is the Canada Workers Benefit (CWB)?
The Canada Workers Benefit is a refundable tax credit designed to support low-income individuals and families who are actively earning. It includes:
- Basic Amount: Financial support for working individuals and families based on income.
- Disability Supplement: An additional payment for those approved for the Disability Tax Credit (DTC).
In 2025, up to 50% of your CWB entitlement will be distributed in advance through quarterly payments, based on your 2024 income tax return.
What’s New in 2025?
The 2025 Canada Workers Benefit brings significant changes, including increased maximum amounts and broader income thresholds to help more Canadians:
| Category | Maximum Benefit | Phase-Out Starts | Phase-Out Ends |
|---|---|---|---|
| Single (no children) | $1,633 | $26,855 | $37,474 |
| Families | $2,813 | $30,639 | $49,391 |
| Disability Supplement (Singles) | $843 | $37,740 | $38,759 |
| Disability Supplement (Families) | $843 | $49,389 | $50,722 |
Note: Quebec, Alberta, and Nunavut may have different payment calculations due to provincial-specific formulas.
Who Is Eligible?
Basic Amount Eligibility
You must:
- Be a Canadian resident all year.
- Be 19 or older by December 31, 2024, or live with a spouse/child.
- Earn at least $3,000 in working income in 2024.
Disability Supplement Eligibility
To receive the $843 supplement, you must:
- Have an approved Disability Tax Credit (Form T2201) on file with the CRA.
- Have an adjusted net income below:
- $37,740 for singles
- $49,389 for families
Who Is Not Eligible?
You are ineligible for the CWB if you:
- Were a full-time student for more than 13 weeks in 2024 (without a dependent).
- Were incarcerated for 90+ days in 2024.
- Are a non-taxpaying diplomat or their family member.
2025 Payment Schedule
The Advanced Canada Workers Benefit (ACWB) will be issued quarterly:
| Payment Date | Amount |
|---|---|
| July 11, 2025 | Up to 50% of eligible CWB |
| October 10, 2025 | Next quarterly installment |
| January 9, 2026 | Final advance payment |
If any of these dates fall on a weekend or holiday, payments will be issued on the previous business day.
How to Apply for the 2025 CWB
Applying is simple:
- File Your 2024 Taxes: Use certified tax software or file manually with Schedule 6 (Canada Workers Benefit).
- Disability Supplement: Ensure your Disability Tax Credit (Form T2201) is on record with the CRA.
- Advance Payments: No separate application is required for ACWB; if you received it in 2024, you’re automatically enrolled for 2025.
Only one spouse can claim the basic amount, but both can claim the disability supplement, if eligible.
What to Do If You Don’t Receive Your Payment?
If you don’t receive your expected July 11, 2025 payment:
- Check Eligibility: Reconfirm your income and residency status.
- Wait 10 Business Days: Delays are common with high volumes.
- Contact CRA: If the payment still hasn’t arrived, reach out to the Canada Revenue Agency.
Why This Matters: Inflation & Support for Working Canadians
With inflation and everyday expenses continuing to rise, the updated 2025 CWB provides critical financial relief for thousands of low-income workers and their families. Whether you’re covering rent, groceries, or transportation, the CWB ensures you’re not left behind.
Tips to Maximize Your Canada Workers Benefit
- File early to avoid delays.
- Keep your CRA account up to date with banking and contact info.
- Claim all eligible amounts, including the disability supplement if you qualify.
- Share this information with others who might benefit!
The 2025 Canada Workers Benefit is more than just a tax credit—it’s a powerful tool to help hardworking Canadians stay afloat during tough economic times. With new higher payments, advance disbursements, and expanded eligibility, now is the time to make sure you’re getting the support you deserve.
Whether you’re a single worker or part of a low-income family, don’t miss out on this essential benefit. File your taxes, check your CRA account, and mark your calendar for the July 11 payment!
FAQs
What are the 2025 Canada Workers Benefit amounts?
Singles can receive up to $1,633, families up to $2,813, and an additional $843 for eligible individuals under the Disability Supplement.
How do I get the Canada Workers Benefit?
File your 2024 income tax return and complete Schedule 6. The CRA will automatically calculate your entitlement and issue advance payments if eligible.
What if my payment is delayed?
Wait 10 business days after the scheduled date, then contact the CRA if the payment has not arrived.