Karen Minn
As of July 2025, a fresh wave of Canada Workers Benefit (CWB) payments is being rolled out, offering eligible low-income workers across Canada a welcome financial lift of up to $600.
Administered by the Canada Revenue Agency (CRA), this advance benefit is part of a broader effort to ease financial burdens tied to inflation and high living costs.
With the CRA automatically issuing these refundable tax credit payments, it’s important to understand the eligibility rules, payment schedule, and how this benefit might impact your 2025 financial planning.
What Is the Canada Workers Benefit (CWB)?
The CWB is a refundable tax credit that supports low-income Canadians who are actively working but still face financial hardship. The program offers two components:
- A basic amount for working individuals and families
- A disability supplement for those who qualify for the Disability Tax Credit (DTC)
Rather than waiting for tax season, recipients can access part of their benefit early through the Advanced Canada Workers Benefit (ACWB), paid in quarterly installments.
Key Features of the July 2025 CWB Payment
| Feature | Details |
|---|---|
| Payment Date | July 11, 2025 |
| Amount for Single Workers | $265 |
| Amount for Families | $456.50 |
| Disability Supplement | Up to $136.83 extra |
| Tax Return Required? | Yes – based on 2024 tax return |
| Application Needed? | No – payments are automatic |
| Taxable? | No – non-taxable refundable credit |
| Next Payment Dates | October 10, 2025 & January 12, 2026 |
Eligibility Criteria for the Canada Workers Benefit
To qualify for the CWB in July 2025, you must meet the following requirements:
General Requirements:
- Be a resident of Canada throughout the year
- Be 19 years or older by December 31, 2024
- Have earned income and net income below threshold limits
- Not be a full-time student unless you have a dependent
- Not be incarcerated for more than 90 days
- File your 2024 tax return before November 1, 2025
Income Limits:
| Category | Maximum CWB | Phase-Out Income Starts | Cut-Off Income |
|---|---|---|---|
| Single | $1,590 | $26,149 | $36,749 |
| Family | $2,739 | $29,833 | $48,093 |
Disability Supplement Requirements:
To qualify for the disability supplement, you must:
- Be eligible for the Disability Tax Credit (DTC)
- Submit a valid Form T2201 approved by the CRA
- Meet increased income thresholds
| Category | Max Supplement | Reduction Starts | Cut-Off Income |
|---|---|---|---|
| Single | $821 | $36,748 | $42,222 |
| Family (1 qualified) | $821 | $48,091 | $53,565 |
| Family (2 qualified) | $1,642 | $48,091 | $59,038 |
How to Receive the CWB Payment
You don’t need to apply separately for the Canada Workers Benefit. The CRA uses your most recent tax return (2024) to determine:
- Eligibility
- Payment amount
- Disability supplement inclusion
If your 2024 return included line 45300 (indicating a CWB claim), you will automatically receive the advance installment.
You can file online using tax software, or on paper using Schedule 6 included with your return. Make sure your banking information is up to date to ensure direct deposit.
Why You Should Act Now
Millions of eligible Canadians still miss out on this benefit every year—largely due to late filings or unawareness.
Key Reminders:
- Update your tax records if your income or family situation changed in 2024
- Submit your return before November 1, 2025 to ensure you receive future advance payments
- Check CRA My Account for payment status and estimated amounts
Benefits by Province and Territories
While the federal benefit amounts apply nationwide, provinces like Quebec, Nunavut, and Alberta have adjusted thresholds and supplements. Residents in those areas should check specific eligibility on their CRA account or benefits calculator.
The Canada Workers Benefit continues to be a critical tool for supporting low-income working Canadians. With up to $600 in non-taxable payments available this July 2025, the program offers much-needed relief to individuals and families navigating rising living costs.
Be proactive: file your 2024 taxes, check your CRA status, and make sure you don’t miss out on this important benefit.
FAQs
When is the July 2025 CRA payment being issued?
The next Advance CWB payment will be sent on Friday, July 11, 2025, via direct deposit or cheque.
Do I need to apply separately for the July 2025 CWB payment?
No. If you filed your 2024 taxes with a CWB claim, you’ll receive the payment automatically.
Is the Canada Workers Benefit taxable?
No. The CWB is a non-taxable refundable credit, meaning you can receive it even if you owe no taxes.