If you’re working and earning a modest income in Canada, you may be eligible for a $2,739 Canada Workers Benefit (CWB) in 2025. This refundable tax credit is designed to support low-income individuals and families, offering much-needed relief in a challenging economy.
Let’s break down who qualifies, how much you could receive, when payments are made, and how to claim your benefit.
What is the Canada Workers Benefit?
The Canada Workers Benefit (CWB) is a federal benefit that tops up earnings for low-income workers. It encourages workforce participation and helps Canadians better manage their monthly expenses. The CWB has two parts:
- Basic Amount
- Disability Supplement (for eligible individuals with a recognized disability)
For 2025, the maximum annual benefit is $2,739 for families and $1,518 for single individuals, with additional amounts available for the disability supplement.
CWB 2025 Eligibility Criteria
To qualify for the Canada Workers Benefit in 2025, you must meet the following conditions:
- Be at least 19 years old on December 31, 2025
- Be a resident of Canada for the full year
- Have earned income from employment or self-employment
- Meet the income thresholds
You are not eligible if:
- You are a full-time student for more than 13 weeks and do not have an eligible dependant
- You were in prison for more than 90 days during the year
- You are exempt from paying taxes in Canada
CWB Payment Breakdown
Here’s a table summarizing the maximum benefit amounts and income thresholds for 2025:
| Recipient Type | Max Benefit | Income Phase-Out Begins | Fully Phased Out At |
|---|---|---|---|
| Single Individual | $1,518 | $24,975 | ~$35,095 |
| Family (Couple/With Kids) | $2,739 | $28,494 | ~$45,934 |
| Disability Supplement | $784 | Based on income level |
As your income increases beyond the phase-out threshold, the benefit gradually reduces until it reaches zero.
CWB Advance Payment Dates in 2025
If you qualify for the CWB and filed your taxes on time, you may be eligible to receive advance payments. These are prepayments of up to 50% of your total annual entitlement.
The CWB advance payments are scheduled for:
- January 12, 2025
- July 12, 2025
- October 11, 2025
You’ll receive these payments automatically, based on your most recent tax return—no separate application is required.
How to Claim Your Canada Workers Benefit
To claim your benefit:
- File your 2025 tax return
- Complete Schedule 6 (Canada Workers Benefit) as part of your return
- Report your income accurately and submit on time
If you are eligible for the disability supplement, ensure the correct medical certification is included.
The Canada Workers Benefit offers significant financial support for low-income workers in 2025—up to $2,739 per family. By filing your taxes accurately and on time, you can secure both your main benefit and advance payments throughout the year. Whether you’re single, have a family, or qualify for the disability supplement, the CWB is a powerful tool to help stretch your budget further.
FAQs
Do I need to apply separately for CWB advance payments?
No, advance payments are issued automatically if you filed your previous tax return and qualify based on income.
Can I receive both the basic CWB and the disability supplement?
Yes, if you qualify based on income and have a certified disability, you can receive both components.
What if my income changes during the year?
The benefit is based on your reported income from your tax return. If your income significantly changes, your benefit amount may be adjusted in the next tax year.