The Canada Workers Benefit (CWB) is a refundable tax credit designed to support low-income workers and families. In 2025, households may be eligible for up to $2,739 annually, with additional support through the disability supplement.
This guide covers eligibility, payment details—including the Advanced Canada Workers Benefit (ACWB)—and how much you could receive, helping you maximize this valuable benefit.
CWB Maximum Amounts & Income Thresholds
| Category | Maximum Basic Amount (2025) | Disability Supplement | Phase-Out Thresholds (Adjusted Net Income) |
|---|---|---|---|
| Single Individual | $1,590 | $821 | Basic starts reducing above $26,149; phased out at $36,749. Supplement phases out starting at $36,748; ends at $42,222. |
| Families (couples/single parents) | $2,739 | $821 | Basic reduces above $29,833; phased out at $48,093. Supplement reduces above $48,091; cutoff depends on spouse eligibility, up to $59,038. |
Key Highlights
- Families may receive up to $2,739 in base benefit, plus up to $821 for disability—total possible benefit: up to $3,560 annually.
- Support gradually decreases as adjusted net income rises, eliminating eligibility past specific thresholds.
Advanced Payments: Getting Funds Sooner
Instead of waiting until tax refunds, eligible Canadians receive Advance Canada Workers Benefit (ACWB) payments in three installments:
- January 10, 2025
- July 11, 2025
- October 10, 2025
These are automatic upon timely tax filing—no separate application needed. You receive up to 50% of both your base benefit and disability supplement in advance.
Example: A family receiving maximum benefit with disability could get around $730 total across the three advance payments.
Eligibility Requirements
To qualify for the CWB:
- Must be a Canadian resident for tax purposes.
- At least 19 years old by December 31 of the taxation year (exceptions apply if living with spouse or child).
- Working income and adjusted net income must be below thresholds.
- Not a full-time student for over 13 weeks unless dependent applies.
- Ensure that CRA has your Disability Tax Credit (DTC) certificate (Form T2201) on file to receive the supplement.
How to Claim
- File your tax return with CRA timely (before November 1 for advance payments).
- Complete Schedule 6 to calculate CWB and disability supplement.
- Advance payments are then paid automatically; the remainder comes with your tax refund.
The Canada Workers Benefit offers vital support to low-income workers in 2025—families can receive up to $2,739, and households with disabilities may qualify for an additional $821, totalling $3,560.
Advance payments make funds accessible early, easing financial pressure throughout the year. To secure your benefit, ensure you file your taxes promptly, complete Schedule 6, and confirm CRA records your DTC eligibility if applicable.
Let me know if you’d like help estimating your benefit or navigating the application process!
FAQs
Families with adjusted net income below $29,833 can receive the full basic CWB amount. Income above reduces eligibility, with full cutoff at $48,093.