Starting July 2025, low-income workers across Canada will receive the Canada Workers Benefit (CWB) in a brand-new format—quarterly advance payments. This marks a major shift from the traditional single annual payout, bringing financial help to Canadians exactly when they need it.
Instead of waiting until tax time to get the full benefit, eligible workers will now receive four equal payments in July, October, January, and April. This new system is designed to help with seasonal costs like back-to-school, winter heating, and holiday expenses.
Table of Contents
Eligibility
To qualify for the advance Canada Workers Benefit payments in 2025, you’ll need to meet a few basic requirements:
- You must be a resident of Canada for the entire year
- You must have income from employment or self-employment
- You must be at least 19 years old by the end of 2025, or live with a spouse, common-law partner, or dependent child
- Your net income must be below the CWB phase-out threshold (varies by province and family type)
- You must have filed your 2024 tax return
The best part? If you qualify, there’s no need to apply again. The CRA will automatically assess your eligibility based on your 2024 return and enroll you for the advance payments.
Amounts
Wondering how much you’ll get? While actual payment amounts depend on your income and province, here are the estimated maximum amounts for 2025:
| Household Type | Maximum Annual Benefit | Estimated Quarterly Payment |
|---|---|---|
| Single (no children) | $1,428 | $357 |
| Family (with children) | $2,461 | $615.25 |
These payments offer real-time support, helping workers access their benefits throughout the year rather than waiting until after tax season.
Impact
So, why does this change matter?
In 2025, Canadians are dealing with high inflation, rising rent, and grocery prices that just won’t quit. Waiting until spring to get your CWB refund simply doesn’t cut it anymore. Quarterly payments mean:
- You can budget more effectively
- You’ll be ready for seasonal costs
- You won’t need to rely as much on credit or payday loans
- You’ll feel more in control financially
This change is especially helpful for families close to the poverty line who need support at critical times during the year.
Application
You don’t need to fill out a new application to receive the advance payments. Here’s what needs to happen:
- You filed your 2024 income tax return
- You qualified for the CWB based on that return
- You meet all general eligibility criteria
If that’s the case, you’re automatically in. Just make sure your direct deposit info and mailing address are updated in your CRA My Account to avoid delays.
Schedule
Here’s when you can expect the advance CWB payments to arrive:
| Payment Period | Payment Date |
|---|---|
| Q1 (2025–26) | July 2025 |
| Q2 | October 2025 |
| Q3 | January 2026 |
| Q4 | April 2026 |
Payments will be made by direct deposit or mailed cheque, depending on your CRA setup.
With the new advance payment model launching in July 2025, the Canada Workers Benefit is evolving to meet the real needs of workers across the country.
Instead of playing catch-up during tax season, low-income Canadians now get consistent support all year long—helping them stay ahead of the rising cost of living.
FAQs
When do CWB payments start in 2025?
The first quarterly payment starts in July 2025.
How much is the CWB quarterly payment?
Up to $357 for singles and $615.25 for families.
Do I need to apply for CWB advance?
No, if you qualify, payments are automatic.
What are the CWB payment months?
July, October, January, and April.
How do I avoid payment delays?
Update your direct deposit and mailing info with CRA.
