Rising prices for essentials like groceries, rent, and fuel are hitting Canadians hard—especially those earning lower incomes. That’s where the Canada Workers Benefit (CWB) steps in. It’s not just a tax credit—it’s a financial safety net for working individuals and families.
In July 2025, some major updates have been rolled out, including higher payments, inflation-adjusted income thresholds, and specific provincial boosts. Let’s unpack everything you need to know about the updated CWB and how to ensure you don’t miss out.
Basics
The CWB has two main parts:
- Basic Amount – Based on your earnings and family size.
- Disability Supplement – An additional credit for those eligible for the Disability Tax Credit (DTC).
If you’re approved, 50% of the CWB is now issued in advance payments—split across July, October, and January. The other 50% lands with your annual tax refund.
Updates
July 2025 saw key changes to reflect inflation and regional cost-of-living differences. Here’s the highlight reel:
- Higher benefit caps in many provinces.
- Advance payments of up to $1,238.99 depending on region and DTC status.
- Significant increases for Quebec, Alberta, and Nunavut.
Let’s look at the regional payment breakdown:
| Region | Single (No DTC) | Family (No DTC) | Max (With DTC x2) |
|---|---|---|---|
| Standard (Most) | $265 | $456.50 | $730.17 |
| Alberta | $284 | $425.17 | $698.83 |
| Nunavut | $263 | $395.17 | $699.17 |
| Quebec | $617.56 | $963.09 (No kids) | $1,238.99 |
Criteria
Think you’re eligible? Here’s the quick checklist:
- You must be a Canadian resident in 2024
- Aged 19 or older by December 31, 2024
- Had employment or self-employment income
- Filed your 2024 tax return before November 1, 2025
No need to apply separately—the CRA does it automatically once your return is processed.
Thresholds
CWB is income-tested, so payments phase out as income rises. These are the updated 2025 income thresholds:
| Region | Singles | Families |
|---|---|---|
| Standard | $26,149 – $36,749 | $29,833 – $48,093 |
| Alberta | $25,472 – $36,832 | $31,911 – $48,918 |
| Nunavut | $26,127 – $65,577 | $35,957 – $65,595 |
| Quebec | $13,829 – $32,356 | $21,456 – $50,150 (No kids) |
Disability
If you’re approved for the Disability Tax Credit, you may receive a CWB top-up. But there are income limits to qualify:
| Region | Single (Max Income) | Family (Max Income) |
|---|---|---|
| Standard | $42,222 | $59,038 |
| Alberta | $42,305 | $59,865 |
| Nunavut | $73,195 | $80,777 |
| Quebec | $36,495 | $58,427 (No kids) |
Stay within these limits and your DTC approval could unlock hundreds in extra support.
Schedule
Here’s when you’ll see those advance CWB deposits:
- July 11, 2025 (already issued)
- October 2025
- January 2026
The final half of your benefit will be included in your 2025 tax refund, expected in spring 2026.
Want smooth payments? Check these off your list:
- CRA My Account is up to date
- Direct deposit info is correct
- Mailing address is current
- DTC status is approved (if applicable)
Importance
With living costs soaring, CWB has never been more important. It’s not just about reducing taxes—it’s about making work pay. Whether you’re single, supporting a family, or living with a disability, this benefit can ease the financial pressure.
Here’s why CWB matters:
- Offsets rising cost of living
- Supports full- and part-time workers
- Delivers automatic payments with no paperwork
- Includes disability assistance
- Encourages tax filing for low-income Canadians
The Canada Workers Benefit proves that even small boosts can make a big impact when you need it most.
FAQs
Who gets CWB payments in 2025?
Low-income workers in Canada who filed a 2024 tax return.
How much is the July 2025 CWB?
Up to $1,238.99 depending on province and eligibility.
Do I need to apply for the CWB?
No, it’s automatically assessed through your tax return.
What are the next CWB payment dates?
October 2025 and January 2026.
Does CWB include disability support?
Yes, if you’re approved for the Disability Tax Credit.
