The Canada Workers Benefit (CWB) is a key financial support program for low-income workers and families in Canada.
In 2025, eligible individuals can receive up to $1,590, while families can qualify for even higher amounts based on their income and dependents.
This guide explains how to claim the CWB, eligibility requirements, payment dates, and tips to maximize your benefit.
Key Information
| Feature | Details |
|---|---|
| Amount Available | Up to $1,590 for individuals, more for families |
| Eligibility | Low-income workers aged 19+ who file taxes |
| Payment Dates | Jan 10, July 11, Oct 10, 2025 |
| Disability Supplement | Up to $784 for eligible individuals |
| Official Website | Canada Revenue Agency (CRA) |
What Is the Canada Workers Benefit (CWB)?
The Canada Workers Benefit (CWB) is a refundable tax credit designed to help low-income workers and families offset living expenses.
It is available to Canadians who earn below a certain income threshold and file their annual tax return.
For 2025, the CWB also includes a disability supplement for workers with disabilities, ensuring they receive additional financial support.
CWB Payment Schedule
The CWB is paid in three installments throughout the year:
- First Payment: January 10, 2025
- Second Payment: July 11, 2025
- Third Payment: October 10, 2025
If the payment date falls on a weekend or holiday, the CRA will deposit the funds on the last business day before the scheduled date.
Who Is Eligible for the CWB?
To qualify for the Canada Workers Benefit in 2025, you must meet the following criteria:
1. Age Requirement
- You must be 19 years or older by December 31, 2025.
2. Income Criteria
- Your adjusted net income must be below the CWB threshold.
- For individuals, this typically means earning less than $24,975 (varies by province/territory).
- Families or couples may receive higher benefits based on combined income and dependents.
3. Residency Requirement
- You must be a Canadian resident for tax purposes throughout 2025.
4. Tax Filing Requirement
- You must file a tax return for the year 2025, even if you earned little to no income.
- The CWB is claimed through your tax return, and no application is required.
5. Disability Supplement Eligibility
- If you or your spouse qualifies for the Disability Tax Credit (DTC), you may receive up to $784 extra.
How Much Can You Get from the CWB?
The CWB amount varies based on income, family status, and disability eligibility.
| Category | Maximum CWB Amount (2025) |
|---|---|
| Individuals | Up to $1,590 |
| Families | Up to $2,616 |
| Disability Supplement | Up to $784 extra |
- The higher your income, the lower your benefit.
- Families with dependent children may qualify for additional support.
How to Claim the Canada Workers Benefit
Step 1: File Your 2025 Taxes
- The only way to claim the CWB is by filing your tax return.
- Ensure all income details, dependents, and disability status are correct.
Filing Methods:
- Online: Use CRA-approved tax software (e.g., TurboTax, Wealthsimple Tax).
- Paper Filing: Mail a paper tax return to the CRA (slower processing).
- Tax Clinics: Free tax filing services for low-income Canadians.
Step 2: Complete Schedule 6
- The CWB is claimed using Schedule 6 in your tax return.
- The CRA will automatically calculate your eligibility and payment amount.
Step 3: Wait for Your Payments
- Payments will be issued on January 10, July 11, and October 10, 2025.
- If you qualify, the CRA will deposit the funds into your bank account.
Step 4: Update Your Banking Information
- Ensure your direct deposit details are up to date with the CRA.
- Use your My CRA Account to check payment status and eligibility.
How to Maximize Your CWB Benefits
1. File Your Taxes Correctly
- Report all sources of income and dependent details to ensure you receive the full benefit.
2. Claim the Disability Supplement
- If you or your spouse has a disability, apply for the Disability Tax Credit (DTC) to receive extra support.
3. Monitor Income Changes
- If your income decreases, you may qualify for a higher CWB amount.
4. File Early
- Filing early ensures timely payments and avoids processing delays.
The Canada Workers Benefit (CWB) 2025 is an essential financial aid program for low-income workers.
By filing your taxes and meeting eligibility requirements, you can receive up to $1,590 as an individual or more as a family.
Make sure to file your tax return on time and keep your banking details updated to avoid delays in receiving your payments.
