A financial boost is on the way for low-income Canadian workers this summer. Starting July 11, 2025, the Canada Revenue Agency (CRA) will roll out advance payments under the Canada Workers Benefit (CWB) — and eligible individuals could receive up to $600 or more, depending on their situation.
As living costs rise across Canada, this refundable tax credit offers welcome relief for workers and families balancing jobs with everyday expenses. The July 2025 advance deposit comes with increased amounts, thanks to annual inflation adjustments made by the CRA.
Understanding the Canada Workers Benefit (CWB)
The Canada Workers Benefit is a federal refundable tax credit created to support low-income individuals and families who are employed but still face financial difficulties. It includes:
- A basic benefit for eligible workers
- A disability supplement for individuals approved under the Disability Tax Credit (DTC)
To ensure faster access to funds, the Advanced Canada Workers Benefit (ACWB) allows you to receive up to 50% of your total yearly CWB in three instalments throughout the year, rather than waiting until tax season.
Key Features of the CWB Advance Payment
- No separate application required
- Automatically calculated based on your most recent tax return (2024 return for July 2025)
- Paid directly by CRA to eligible Canadians
- Non-taxable and refundable – you get the full amount even if you owe no tax
Eligibility Criteria for the Canada Workers Benefit 2025
To be eligible for the CWB in 2025, you must:
| Criteria | Requirements |
|---|---|
| Age | Must be 19 years or older by December 31, 2024 |
| Residency | Must be a resident of Canada for the entire year |
| Employment Income | Must have earned income and meet net income limits |
| Not Ineligible | Cannot be a full-time student (unless with a child), incarcerated, or diplomatic |
Income Limits by Category
| Category | Max Benefit | Phase-Out Starts | Benefit Ends At |
|---|---|---|---|
| Single | $1,590 | $26,149 | $36,749 |
| Family | $2,739 | $29,833 | $48,093 |
Disability Supplement Requirements
To receive the disability top-up:
- You must qualify for the Disability Tax Credit
- Have an approved Form T2201 on file with CRA
- Meet income conditions for the supplement
| Category | Max Supplement | Phase-Out Starts | Ends At |
|---|---|---|---|
| Single | $821 | $36,748 | $42,222 |
| Family (1 qualified) | $821 | $48,091 | $53,565 |
| Family (2 qualified) | $1,642 | $48,091 | $59,038 |
How Much Will You Get in July 2025?
The CRA advance payment for July is based on 50% of the benefit, split across 3 instalments:
| Type | Estimated July Amount |
|---|---|
| Single Individual | $265 |
| Family or with Dependents | $456.50 |
| Disability Supplement (added) | +$136.83 |
| Maximum Potential Total | Up to $600+ |
Note: These are federal figures. Quebec, Alberta, and Nunavut have unique thresholds and may vary.
When Will You Receive Your Payment?
Mark your calendar: the next Advanced CWB payment is set for Friday, July 11, 2025.
Future payments are scheduled for:
| Upcoming CWB Payment Dates |
|---|
| October 10, 2025 |
| January 12, 2026 |
To receive your advance payment, you must have filed your 2024 income tax return before November 1, 2024, with line 45300 (CWB claim) properly completed.
How to Claim the Canada Workers Benefit
There’s no separate application for the CWB or its advance payments. Just ensure:
- You file your income tax return on time
- Use CRA-certified tax software or complete Schedule 6 if filing on paper
- If claiming the disability supplement:
- Ensure you or your spouse qualifies for the DTC
- Complete Form T2201 and submit it to CRA
Is the CWB Taxable?
No, the Canada Workers Benefit is not taxable. It is a refundable credit, meaning:
- It reduces taxes owed
- If you owe nothing, you’ll still receive the full payment
- Advance payments are also non-taxable
The Canada Workers Benefit continues to be a lifeline for working Canadians navigating financial uncertainty. With up to $600 arriving in July 2025, workers and families can breathe easier knowing help is on the way.
Make sure your 2024 tax return is accurate and submitted, and review your CRA account to confirm eligibility. These automatic advance deposits could provide the financial buffer you need—right when you need it.
FAQs
Do I need to apply for the $600 CWB payment in July?
No. If you’ve filed your 2024 tax return with the CWB section completed, payments are automatic.
When is the July 2025 CWB advance payment scheduled?
The next payment will be issued on Friday, July 11, 2025.
Can I receive the disability supplement if I have dependents?
Yes, if you qualify for the Disability Tax Credit and meet the income thresholds, you can receive the supplement in addition to your base benefit.