The Canada Workers Benefit (CWB) continues to be a vital financial lifeline for low-income earners across the country. For 2025, qualifying individuals can receive up to $1,428, while families may be eligible for up to $2,739.
With May payments approaching, this article breaks down the most important details about eligibility, payment dates, and the steps to receive this important support.
What Is the Canada Workers Benefit (CWB)?
The CWB is a refundable tax credit that helps supplement the income of working individuals and families with low earnings. The benefit is designed to incentivize employment and reduce poverty among Canada’s workforce.
It is made up of two components:
- Basic Amount
- Disability Supplement
Maximum Payment Amounts for 2025
| Benefit Type | Maximum Amount |
|---|---|
| Individual (Basic) | $1,428 |
| Family (Basic) | $2,739 |
| Disability Supplement | $821 |
Who Qualifies for the CWB in 2025?
To be eligible for the Canada Workers Benefit, the following criteria must be met:
- Age: Must be 19 years or older by December 31, 2024 (unless living with a spouse or dependent).
- Residency: Must be a Canadian resident throughout the year.
- Income: Must have working income and fall under a set income threshold.
Income Thresholds
| Applicant Type | Maximum Net Income |
|---|---|
| Single Individual | $36,749 |
| Family | $48,093 |
The benefit gradually reduces as income increases and phases out completely once the threshold is exceeded.
Disability Supplement Eligibility
To qualify for the disability supplement, you must:
- Be approved for the Disability Tax Credit (DTC).
- Have the certificate on file with the CRA.
- Meet the general CWB eligibility conditions.
The supplement provides an extra $821 to help those living with disabilities and working in low-income jobs.
Canada Workers Benefit Payment Schedule for 2025
The CWB is paid in two main forms:
- Advance Payments – 50% of the benefit is paid in advance throughout the year.
- Final Balance – Remaining payment is issued after your tax return has been assessed.
Advance Payment Dates – 2025
| Payment Month | Expected Date |
|---|---|
| January | January 10, 2025 |
| July | July 11, 2025 |
| October | October 10, 2025 |
To receive these advance payments, make sure your 2024 tax return is filed before November 1, 2024.
How to Claim the Canada Workers Benefit
You don’t need to apply separately. The CRA calculates your eligibility automatically based on your income tax return.
Steps to Claim:
- File your tax return for 2024 before the deadline.
- Complete Schedule 6 on your return if you’re claiming manually.
- Ensure your Disability Tax Credit certificate is up to date if you qualify for the disability supplement.
Advance payments are automatically issued to eligible individuals and families once tax returns are filed and assessed.
The $1,428 Canada Workers Benefit in May 2025 is a crucial source of support for thousands of working Canadians. Whether you’re applying as an individual or part of a family, understanding the eligibility criteria, payment structure, and deadlines ensures you don’t miss out.
With income thresholds clearly set and a streamlined payment system, the CWB remains an important tool to reduce financial strain for the working class. Be sure to file your taxes on time and verify your eligibility to receive the full benefit you’re entitled to.
FAQs
Can I still receive the benefit if I owe no taxes?
Yes, the CWB is a refundable credit, so you can receive it even if you owe no taxes.
Do I have to apply for the advance payments?
No. Advance payments are issued automatically based on your prior tax return.
Is the disability supplement paid in advance too?
Only a portion may be paid in advance. The full amount is reconciled after tax assessment.