Karen Minn
The Canada Workers Benefit (CWB) has returned with a larger-than-usual $730 boost for the July 2025 payment cycle, offering critical support to low-income workers and families as the cost of living continues to rise.
Administered by the Canada Revenue Agency (CRA), this refundable tax credit is designed to ensure that working Canadians who earn less still receive vital income support.
This year, the benefit is even more generous due to inflation-based adjustments, making the 2025 advance payments among the highest ever issued.
What Is the Canada Workers Benefit (CWB)?
The CWB provides financial assistance in two parts:
- A basic amount for eligible working individuals and families
- A disability supplement for those who qualify under the Disability Tax Credit (DTC)
The goal is to encourage employment while also easing the financial pressure on Canadians with modest earnings.
What Is the Advanced Canada Workers Benefit (ACWB)?
The ACWB allows eligible recipients to receive 50% of their annual CWB entitlement in advance, split across three instalments:
- July
- October
- January
These payments help individuals manage their monthly expenses without waiting until tax season. If you filed your tax return before November 1, 2024, and meet the criteria, you’ll be enrolled automatically—no application required.
July 2025 Advance Payment Amounts
The first ACWB payment for the 2025 benefit year was issued on Friday, July 11, and the maximum possible payout reached $730.17 for qualifying couples with disabilities.
July 2025 ACWB Payment Breakdown
| Recipient Type | Amount |
|---|---|
| Single individual | $265.00 |
| Eligible family | $456.50 |
| Disability supplement (per adult) | $136.83 |
| Maximum total payout | $730.17 |
These amounts are not taxable, meaning recipients will keep the full value received.
Eligibility Criteria for CWB
To qualify for the Canada Workers Benefit, you must:
- Be a Canadian resident throughout the year
- Be at least 19 years old by December 31, unless living with a spouse or child
- Have working income
- Earn below the income threshold based on your province/territory
Income Thresholds (2024 Tax Year)
| Category | Maximum Income to Qualify |
|---|---|
| Single individuals | $36,749 |
| Families (general) | $48,093 |
Disqualification Applies If You:
- Were a full-time student for more than 13 weeks (unless with a dependent)
- Were incarcerated for 90+ days
- Are exempt from Canadian tax laws (e.g., diplomats)
To receive the disability supplement, you must:
- Have an approved Form T2201
- Be eligible for the Disability Tax Credit
Even if you exceed the income limits for the basic benefit, you may still qualify for the disability top-up.
How to Apply for the Canada Workers Benefit
There’s no separate application for the CWB. To claim:
- Use online tax software, which will prompt you automatically
- For paper filers, complete and attach Schedule 6 to your tax return
To claim the disability supplement:
- If only one spouse qualifies, that person can claim both the basic benefit and the supplement
- If both qualify, each must file Schedule 6, but only one can claim the basic amount
Advance payments will be sent if your return includes line 45300 and is filed on time.
Future Payment Schedule
Following the July 11, 2025 payment, the next two ACWB instalments are scheduled for:
- October 10, 2025
- January 12, 2026
These advance payments total 50% of your annual entitlement. The remaining amount (if any) will be settled when you file your 2025 tax return in 2026.
How Much Can You Get Annually?
Your total CWB amount depends on income, family status, and province. Below are federal maximums for the 2024 tax year:
Federal Benefit Amounts (2024)
| Benefit Type | Maximum Amount |
|---|---|
| Single individual | $1,590 |
| Families | $2,739 |
| Disability supplement (per adult) | $821 |
Note: Phasing out begins at different income levels depending on your category and province. Residents in Quebec, Alberta, and Nunavut may receive different amounts.
The $730 boost to the Canada Workers Benefit marks a substantial financial win for low-income Canadians in 2025. With automatic advance payments, expanded eligibility, and inflation-adjusted benefits, the CWB is more impactful than ever.
Whether you’re single, supporting a family, or living with a disability, now is the time to review your eligibility and ensure you’re not missing out.
If you filed your return early and meet the criteria, you may have already received your July 11 payment—and two more are on the way.
FAQs
Do I need to apply separately for the Canada Workers Benefit?
No. You claim it by filing your income tax return. Advance payments are issued automatically if you qualify.
Is the Canada Workers Benefit taxable?
No. It’s a refundable tax credit, meaning it reduces your tax bill or gives you a refund—even if you owe nothing.
How do I know how much I will receive?
Use the CRA’s online benefits calculator for a personalized estimate based on your province, income, and family situation.