The Canada Workers Benefit (CWB) continues to be a cornerstone of federal support for low-income earners. In 2025, eligible Canadians can receive up to $1,428 per quarter, amounting to a maximum annual benefit of $5,712.
This meaningful financial boost offers regular, predictable support during periods of economic uncertainty and rising living expenses.
What Is the Canada Workers Benefit (CWB)?
The CWB is a refundable tax credit designed to encourage work and combat poverty. It supports:
- Low-income individuals
- Working families
- People eligible for the Disability Tax Credit (DTC)
Unlike typical tax credits processed yearly, CWB is distributed quarterly, offering regular financial relief.
2025 Payment Schedule
| Quarter | Estimated Payment Date | Maximum Quarterly Amount |
|---|---|---|
| Q1 | January 15, 2025 | $1,428 |
| Q2 | April 15, 2025 | $1,428 |
| Q3 | July 15, 2025 | $1,428 |
| Q4 | October 15, 2025 | $1,428 |
| Total | — | $5,712 |
These quarterly payments help ensure steady cash flow for households managing fluctuating income or rising costs.
Who Qualifies for the CWB?
To receive the maximum benefit, you must meet the following criteria:
- Be at least 19 years old by December 31, 2024
- Have earned income (minimum around $3,000 annually)
- Reside in Canada all year
- File your 2024 tax return by November 1, 2025
- Adjusted net income thresholds apply
| Household Type | Maximum 2024 Income |
|---|---|
| Single individual | Up to $33,000 |
| Family (with children) | Up to $50,000 |
| Disability supplement | Available to all qualifying applicants |
Those eligible for the Disability Tax Credit can receive an additional supplement, increasing potential payments above the base amount.
Why Quarterly Payments Matter
Breaking the benefit into quarters provides:
- Steady support for budgeting
- Relief during peak expenses like rent or heating bills
- A transparent and timely benefit structure
- A work incentive: retaining CWB eligibility while earning
For many in gig, part-time, or small business work, this consistent support reduces reliance on high-interest loans or credit cards.
How to Apply and Receive Payments
- File your 2024 income tax return, including CWB claim
- Opt in for quarterly payments (check the appropriate box)
- Verify direct deposit information with CRA
- Ensure Schedule 6 is completed
- Claim Disability Tax Credit if applicable
- File taxes before November 1, 2025, for maximum installments
The CRA will reconcile payments after reviewing your tax return. Overpayments are adjusted during tax filing.
Important Reminders Before Filing
- Filing early ensures full benefit payments
- Ensure your CRA My Account profile is current
- If your income or marital status changes, report this promptly
- Missed filings or deadline can result in lost installments
- Partial year eligibility affects payment amounts
Benefits of the 2025 CWB Rollout
- Up to $5,712/year provides substantial financial relief
- Quarterly support helps with utility and grocery costs
- Encourages continued workforce participation
- Disability support ensures equity
- Helps low-income families cope with inflation
workers and families. The quarterly payments of up to $1,428 provide a buffer against economic instability and rising costs. To maximize your benefit:
- File your 2024 taxes early
- Opt-in for installments
- Keep CRA records up to date
If eligible, this benefit could significantly impact your family’s year-round financial stability. Don’t overlook this opportunity—check your eligibility and plan accordingly.
FAQs
Can I get $1,428 automatically in January?
Yes—if you file your 2024 tax return on time and opt into quarterly payments, CRA will automatically issue your first installment on January 15, 2025.
Who qualifies for the disability supplement?
You must qualify for the Disability Tax Credit (DTC) to receive the additional allowance. It’s essential to file Form T2201 with CRA.
What happens if I miss the opt-in deadline?
If you don’t opt in before the January 15 payment, you may miss that installment but can still receive later quarters or a lump sum after filing.