The Canada Workers Benefit (CWB) is a tax credit that helps low-income workers and families in Canada afford everyday expenses like groceries, rent, and transportation. For 2025, the Canada Revenue Agency (CRA) has confirmed that eligible Canadians can receive up to $5,712 in total annual payments, including advance payments and a disability supplement. This article explains who qualifies, how much you can get, when payments are sent, and how to apply—all in simple words to make it easy to understand.
What is the Canada Workers Benefit?
The CWB is a refundable tax credit designed to support Canadians who work but earn a low income. It provides extra money to help cover rising costs and reduce financial stress. In 2025, the CRA has increased payments to match inflation, offering up to $1,428 per quarter for eligible individuals and families. The benefit also includes a disability supplement for those who qualify for the Disability Tax Credit (DTC), making it a lifeline for many.
Who is Eligible for the CWB in 2025?
To receive the CWB, you must meet certain requirements set by the CRA. Here’s a clear breakdown:
Eligibility Criteria
- Age: You must be at least 19 years old by December 31, 2025, or have a spouse, common-law partner, or dependent child.
- Residency: You need to live in Canada and be a Canadian citizen, permanent resident, or protected person.
- Income: Your working income must meet CRA’s low-income limits (see table below).
- Employment: You must earn income from a job or self-employment.
- Student Status: You cannot be a full-time student for more than 13 weeks in a year unless you support a dependent.
- Disability Supplement: You need an approved Disability Tax Credit (Form T2201) to get the extra disability amount.
Residents of Alberta, Quebec, or Nunavut may face slightly different income limits due to provincial rules.
How Much Can You Get from the CWB in 2025?
The CWB provides up to $5,712 annually, depending on your income, family status, and province. Payments are split into quarterly advance payments (up to 50% of the total) and a final amount after filing your taxes. Below is a table of the maximum payments and income limits for 2025.
Payment and Income Limits
| Category | Maximum Annual Payment | Income Threshold (Phase-Out Starts) | No Payment If Income Exceeds |
|---|---|---|---|
| Single Worker | $1,633 | $26,855 | $37,474 |
| Family (Couple or Single Parent) | $2,813 | $30,639 | $49,391 |
| Disability Supplement (Per Person) | $843 | Varies by province | Varies by province |
| Total (Family with Disability) | $5,712 | Varies by province | Varies by province |
- Singles: Up to $1,633 if your income is below $26,855. Payments decrease as income rises and stop at $37,474.
- Families: Couples or families can get up to $2,813 if income is under $30,639, with payments stopping at $49,391.
- Disability Supplement: An extra $843 per person, potentially totaling $5,712 for a family with two eligible disability supplements.
Use the CRA’s Child and Family Benefits Calculator to estimate your payment based on your situation.
When Are CWB Payments Sent in 2025?
The CWB offers advance payments, called the Advanced Canada Workers Benefit (ACWB), which provide up to 50% of your benefit in three quarterly payments. The remaining amount is paid after filing your 2025 tax return. Here are the key dates:
2025 Payment Schedule
- July 11, 2025: First advance payment for the 2025–2026 benefit year.
- October 10, 2025: Second advance payment.
- January 9, 2026: Third advance payment.
If a payment date falls on a weekend or holiday, expect the money a few days earlier. If you don’t receive your payment within 10 working days, contact the CRA at 1-800-959-8281.
How to Apply for the CWB in 2025
Applying for the CWB is simple and tied to your tax return. Follow these steps to ensure you get your payments:
Application Steps
- File Your Taxes: Submit your 2024 income tax return by November 1, 2025, to qualify for advance payments. Use certified tax software or a tax professional.
- Complete Schedule 6: This form, part of your tax return, calculates your CWB and disability supplement. Tax software fills it out automatically, or you can download it for paper filing.
- Apply for Disability Supplement: If eligible, ensure your Disability Tax Credit (Form T2201) is approved by the CRA.
- Set Up Direct Deposit: Register for direct deposit via CRA My Account for faster, secure payments.
- Keep Information Updated: Update your address, income, and family details in CRA My Account to avoid delays.
If you received the CWB in 2024, advance payments are automatic if you file your taxes on time. Check your payment status on CRA My Account or review your RC210 slip for details.
Tips to Maximize Your CWB Payments
To get the most from the CWB, consider these tips:
- File Taxes Early: Submit your 2024 tax return by November 1 to ensure advance payments start in July 2025.
- Check Disability Eligibility: Apply for the Disability Tax Credit if you or a family member have a qualifying condition.
- Use Direct Deposit: Sign up via CRA My Account for quicker payments.
- Monitor Your Account: Regularly check CRA My Account for payment updates and to avoid overpayment issues.
Why the CWB is Important in 2025
With costs for essentials like food and housing rising, the CWB provides critical support for low-income workers. The quarterly payments of up to $1,428 offer steady financial help, especially for part-time, seasonal, or gig workers. The potential $5,712 total, including the disability supplement, can make a big difference in managing daily expenses.
For more information, visit the CRA’s official website or call 1-800-959-8281.
Conclusion
The Canada Workers Benefit for 2025 offers up to $5,712 to help low-income workers and families cope with rising costs. With quarterly payments starting July 11, 2025, and a disability supplement, this tax credit provides reliable support. File your taxes on time, complete Schedule 6, and set up direct deposit to ensure you receive your benefits. By understanding eligibility and payment dates, you can plan your finances and reduce stress. Check CRA My Account regularly to stay updated and maximize your support.
Frequently Asked Questions (FAQ)
What is the Canada Workers Benefit?
The CWB is a tax credit that gives extra money to low-income workers and families to help with living costs.
How much can I get from the CWB in 2025?
Singles can get up to $1,633, families up to $2,813, and those with disabilities can receive an extra $843, totaling up to $5,712 for some.
When are CWB payments sent in 2025?
Advance payments are issued on July 11, October 10, 2025, and January 9, 2026.
Do I need to apply separately for advance payments?
No, if you file your taxes by November 1 and qualify, advance payments are sent automatically.
Can full-time students get the CWB?
Only if you support a dependent or were a part-time student for 13 weeks or less in 2025.
What if I receive more CWB than I’m entitled to?
Overpayments are adjusted when you file your 2025 taxes, and you may need to repay the difference.
