The Canada Workers Benefit (CWB) is a tax credit designed to help low-income workers and families in Canada. For 2025, the Canada Revenue Agency (CRA) has updated the CWB with higher payments to keep up with rising living costs. This article explains who qualifies, how much you can get, when payments arrive, and how to apply—all in simple terms to make it easy to understand.
What is the Canada Workers Benefit?
The Canada Workers Benefit is a refundable tax credit that supports Canadians who work but earn a low income. It’s meant to ease financial stress by providing extra cash for essentials like groceries, rent, and bills. The CWB has two parts: a basic amount for all eligible workers and a disability supplement for those who qualify for the Disability Tax Credit (DTC).
In 2025, the CRA has increased the maximum payment amounts and adjusted income limits to account for inflation. This means more Canadians may qualify, and payments could be higher than last year.
Who Qualifies for the CWB in 2025?
To get the CWB, you need to meet specific requirements. Here’s a breakdown of the eligibility criteria:
Eligibility Requirements
- Residency: You must live in Canada and be a Canadian citizen, permanent resident, or protected person.
- Age: You need to be at least 19 years old by December 31, 2025, or have a spouse, common-law partner, or dependent child.
- Income: Your adjusted net income must be below certain thresholds (see the table below).
- Work Status: You must earn income from a job or self-employment.
- Student Status: If you’re a full-time student for more than 13 weeks in a year, you may not qualify unless you have an eligible dependent.
- Disability Supplement: To get the extra disability amount, you must be approved for the Disability Tax Credit (Form T2201).
If you live in Alberta, Quebec, or Nunavut, payment amounts and income limits may differ slightly due to provincial rules.
How Much Can You Get from the CWB in 2025?
The CWB payments for the 2025–2026 benefit year (July 2025 to June 2026) have increased due to a 2.7% inflation adjustment. The amount you receive depends on your income, family status, and province. Below is a table showing the maximum annual payments and income thresholds for 2025.
| 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 |
- Singles: If your income is below $26,855, you can get up to $1,633 per year. Payments decrease as income rises and stop at $37,474.
- Families: Couples or single parents with an income under $30,639 can receive up to $2,813. Payments stop if income exceeds $49,391.
- Disability Supplement: Eligible individuals or families can get an extra $843, depending on income and province.
You can use the CRA’s online Benefits Calculator to estimate your payment based on your situation.
When Are the CWB Payments Issued in 2025?
The CWB offers advance payments, meaning you can get up to 50% of your benefit in three quarterly payments throughout the year, with the rest paid after filing your taxes. Here are the key payment dates for 2025:
2025 CWB 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. The final amount is calculated when you file your 2025 tax return, and any remaining balance is paid as a tax refund.
How to Apply for the CWB
Applying for the CWB is straightforward. You don’t need a separate application for advance payments if you qualify. Follow these steps:
- File Your Taxes: Submit your 2024 income tax return by November 1, 2025, using certified tax software or a tax professional.
- Complete Schedule 6: This form (Canada Workers Benefit) is part of your tax return. It tells the CRA you want to claim the CWB.
- Disability Supplement: If you’re applying for the disability amount, ensure your Disability Tax Credit (Form T2201) is approved by the CRA.
- Keep Information Updated: Make sure your address and banking details are current in your CRA My Account to avoid payment delays.
If you qualify, advance payments are automatically sent if your tax return is filed on time. Check your eligibility and payment amount using the CRA’s Benefits Calculator.
Tips to Maximize Your CWB Payments
To get the most out of the CWB, keep these tips in mind:
- File Taxes Early: Submit your 2024 tax return before the deadline to ensure timely advance payments.
- Update Your CRA Profile: Log in to CRA My Account to confirm your personal and banking details are correct.
- Check Disability Eligibility: If you or a family member have a disability, apply for the Disability Tax Credit to access the supplement.
- Use the CRA Calculator: Estimate your payment to plan your finances better.
Why the CWB Matters in 2025
With rising costs for essentials like food and housing, the CWB provides critical support for low-income workers. The 2025 increase ensures the benefit keeps pace with inflation, helping Canadians afford daily expenses. Whether you’re a single worker or supporting a family, this tax credit can make a real difference.
For the latest details, visit the Canada Revenue Agency website or contact the CRA directly if you have questions about your eligibility or payments.
Conclusion
The Canada Workers Benefit for 2025 is a valuable resource for low-income workers and families, offering increased payments to help with rising costs. By understanding the eligibility rules, payment amounts, and key dates, you can make the most of this financial support. File your taxes on time, keep your CRA account updated, and use the Benefits Calculator to estimate your payments. The CWB is designed to ease financial stress, so take advantage of it to improve your financial well-being.
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.
Do I need to apply separately for advance CWB payments?
No, if you file your taxes by November 1 and qualify, advance payments are sent automatically.
How much can a single person get from the CWB in 2025?
A single person can get up to $1,633 per year if their income is below $26,855. Payments decrease as income rises.
When will I get my CWB payments in 2025?
Payments are scheduled for July 11, October 10, 2025, and January 9, 2026. The final amount comes with your tax refund.
Can I get the disability supplement?
Yes, if you’re approved for the Disability Tax Credit, you can get an extra $843, depending on your income.
Is the CWB taxable?
No, the CWB is a refundable tax credit, so it’s not taxed and may even reduce your taxes or give you a refund.