In 2025, the Canada Workers Benefit (CWB) continues its vital role in supporting low-income Canadians. As a refundable tax credit, the CWB can provide up to $1,590 for single earners and $2,800 for families.
On top of that, those with a qualifying disability may receive an extra amount. Here’s how to find out if you’re eligible, how much you’ll get, and how to claim it quickly and confidently.
What Is the $1,590 Workers Benefit?
The Canada Workers Benefit is designed to support working low-income Canadians and help alleviate the pressure of rising living costs. It includes:
- A basic refundable credit
- A disability supplement for eligible recipients
- Optional advance (quarterly) payments
2025 Maximum Amounts
| Category | Maximum Benefit |
|---|---|
| Single Workers | $1,590 |
| Families | $2,800 |
| Disability Top-Up | $821 per eligible person |
For example, a family with a qualifying disability could receive up to $2,800 + $821 (or $3,621 total).
Who Qualifies for the CWB in 2025?
To qualify for the benefit, ensure you meet all the following conditions:
- Age & Residency
- 19 or older by Dec 31 of the tax year (exceptions for those with dependents)
- Resident in Canada all year
- Income & Employment
- Must have earned income (minimum $3,000)
- Single income capped between $3,000 and ~26,150
- Family income capped between $3,000 and ~$29,833
- Other Restrictions
- Not a full-time student (unless you support a dependent)
- Not imprisoned for 90+ days
- Not a tax-exempt diplomat
- Disability Supplement
- Must hold a valid Disability Tax Credit Certificate (T2201)
- Income must remain under CRA thresholds
How to Claim & Get Paid
You can get the CWB either as a lump sum after your tax return or through quarterly advances.
Option 1: Claim via Tax Return
- File your 2024 tax return by Apr 30, 2025
- Complete Schedule 6 to indicate CWB eligibility
- Cra processes and refunds the full amount
Option 2: Receive Quarterly Advances
- Opt-in on your tax return for advance payments
- Receive up to 50% of your total CWB across 3 instalments:
| Quarter | Estimated Advance (Single) |
|---|---|
| Q1 (Jan 12) | $397.50 |
| Q2 (April 12) | $397.50 |
| Q3 (July 12) | $397.50 |
| Q4 (Oct 12) | $397.50 |
The remainder is paid after filing your tax return.
When Will You Be Paid?
- Advance payments arrive mid-month on Jan 12, Apr 12, Jul 12, and Oct 12
- The lump sum arrives approximately 4–6 weeks after filing
- Payments are issued via direct deposit (if set up) or mailed cheque
Tips to Maximize Your CWB
- Ensure you earn at least $3,000 in eligible income
- Submit your Disability Tax Credit Certificate early
- File taxes by April 30 to receive your full benefit
- Opt-in for the advance payment option
- Keep your bank account info current with CRA
Why It Matters
The CWB is a meaningful lifeline for workers facing financial uncertainty. It helps:
- Reduce poverty among working Canadians
- Reward employment with financial support
- Help families and disabled workers deal with rising costs
By paying out advance installments, workers get steady income flow, not just annual relief.
The Canada Workers Benefit offers substantial support in 2025—up to $1,590 for individuals and $2,800 for families, plus extra for those with disabilities.
To secure yours, file your tax return early, apply for the disability supplement if eligible, and opt-in for quarterly advance payments. This benefit is structured to support work while providing tangible relief against Canada’s rising cost of living.
FAQs
Can students claim the CWB?
Only if they are not full-time students or are supporting a dependent at year-end.
Is the disability supplement automatic?
No. You need a Disability Tax Credit Certificate (T2201) and must apply each year.
What happens if my income goes above the limit?
The benefit amount is gradually reduced and phases out entirely at specific income thresholds.