A new round of financial support is landing in Canadians’ accounts this July, as the Canada Workers Benefit (CWB) resumes advance payments with updated 2025 amounts. Targeted at low- and modest-income workers, this refundable tax credit aims to ease pressure from rising living costs while rewarding those who remain active in the workforce.
With the Canada Revenue Agency (CRA) administering these payments automatically, eligible individuals could receive up to $593, including the disability supplement, without the need to reapply. This article explains the eligibility criteria, payment structure, key dates, and how to ensure you don’t miss out.
What Is the Canada Workers Benefit (CWB)?
The Canada Workers Benefit is a refundable tax credit designed to help working individuals and families with low incomes. It provides financial support through:
- A basic benefit for eligible workers
- An additional disability supplement for those approved under the Disability Tax Credit (DTC)
The goal is to encourage workforce participation, reduce poverty, and offer support to people who work but still struggle to meet expenses.
Understanding Advance CWB Payments (ACWB)
Through the Advance Canada Workers Benefit (ACWB), eligible individuals receive up to 50% of their total benefit in three installments:
- July
- October
- January
Key Features:
- No separate application required
- Based on your 2024 tax return
- Includes half of the disability supplement, if applicable
This advance system ensures workers don’t have to wait until tax season to receive the full benefit.
Eligibility Criteria for CWB in 2025
To qualify for the CWB or ACWB:
- You must be a resident of Canada throughout the year
- Be 19 years or older by December 31, 2025
- Have earned income below the CRA’s income thresholds
Income Limits (2025):
| Household Type | Income Limit (CAD) |
|---|---|
| Single individual | $36,749 |
| Family with children | $48,093 |
You are NOT eligible if:
- You were a full-time student for more than 13 weeks (unless with dependents)
- You were incarcerated for more than 90 days
- You are exempt from Canadian tax laws (e.g., diplomats)
Disability Supplement Requirements
If you’re eligible for the Disability Tax Credit (DTC), you may qualify for an additional non-taxable disability supplement.
To qualify, you must:
- Be approved for the DTC
- Have a valid Form T2201 on file with CRA
- Meet the income thresholds set for disability supplements
| Category | Max Supplement | Cut-Off Income |
|---|---|---|
| Single individual | $821 | $42,222 |
| Family (1 qualified) | $821 | $53,565 |
| Family (both qualified) | $1,642 | $59,038 |
CWB and Advance Payments for 2025
CWB amounts vary by household structure, income, and province. Below are the federal-level estimates for the 2024 tax year:
Base CWB Amounts:
| Category | Maximum CWB | Phase-Out Start | Cut-Off Income |
|---|---|---|---|
| Single | $1,590 | $26,149 | $36,749 |
| Family | $2,739 | $29,833 | $48,093 |
July 2025 Advance Payment Estimates:
| Category | Payment Amount (CAD) |
|---|---|
| Single individual | $265.00 |
| Family with dependents | $456.50 |
| Disability Supplement (50%) | $136.83 |
| Maximum Possible Total | $593.33 |
Note: These figures apply to federal payments only. Provinces like Quebec, Alberta, and Nunavut may have separate calculations.
Do You Need to Apply?
No application is necessary. Advance payments are automatic if:
- You filed your 2024 taxes before November 1, 2025
- You completed Schedule 6 and entered an amount on line 45300
Filing after this date may disqualify you from advance payments, though the full benefit will still be paid during tax season.
How to Receive the Canada Workers Benefit
To receive your CWB:
- File your 2024 tax return (electronically or on paper)
- Use certified CRA tax software or submit Schedule 6 manually
- If applicable, ensure Form T2201 is submitted and approved for disability eligibility
For Couples:
- If one partner qualifies for the disability supplement, that person must claim the benefit
- If both qualify, each files Schedule 6, but only one can claim the base CWB
When Will You Get Paid in July 2025?
The next Advance CWB payment is scheduled for Friday, July 11, 2025.
Upcoming Payment Dates:
| Payment Date | Type |
|---|---|
| July 11, 2025 | Advance #1 |
| October 10, 2025 | Advance #2 |
| January 12, 2026 | Advance #3 |
Is the CWB Taxable?
No. The Canada Workers Benefit is not taxable. It is a refundable credit, meaning:
- It reduces your taxes owed
- If you owe nothing, you still receive the full benefit
- Advance payments do not affect other government benefits
The $593 Canada Workers Benefit payment in July 2025 provides much-needed financial relief to low- and modest-income Canadians.
With automatic deposits, no reapplication needed, and valuable disability supplements included, this support ensures that workers aren’t left behind during periods of economic strain.
As long as your 2024 tax return is filed, you could see hundreds of dollars in your account this July. Make sure your paperwork is complete and accurate to maximize your benefits and stay ahead of the rising cost of living.
FAQs
Who qualifies for the July 2025 CWB payment?
You must be a Canadian resident, over 19, have working income below the threshold, and file your 2024 tax return by November 1, 2025.
How much will I receive in July 2025?
Single individuals may receive $265, families $456.50, and eligible persons with disabilities can receive up to $593.33 in total.
Do I need to apply separately for the CWB?
No. Advance CWB payments are automatic if you’ve filed your taxes and met the required conditions.