John Hughie
On July 11, 2025, the Canada Revenue Agency (CRA) began issuing the first of three Advanced Canada Workers Benefit (ACWB) instalments for 2025–26.
Eligible low-income workers could see up to $1,238.99 deposited—depending on income, province, family situation, and disability eligibility.
This is a tax-free, refundable credit designed to support those working but earning modest incomes. Here’s a closer look at the benefit structure, eligibility criteria, and payment schedule.
How Much Can You Receive?
Canada Workers Benefit (CWB) includes a basic amount and, if eligible, a $821 disability supplement .
| Category | Single | Family |
|---|---|---|
| Basic CWB (annual max) | $1,590 | $2,739 |
| Disability supplement | $821 | $821 |
| Total Annual (max) | $2,411 | $3,560 |
| Quarterly Advance | Up to $603 | Up to $1,238.99 |
Personal results vary based on adjusted income, family size, and province, with Quebec, Alberta, and Nunavut having distinct thresholds.
July 2025 Payment: What You Need to Know
The first ACWB payment is set for Friday, July 11, 2025 , with additional payments to follow on:
- October 10, 2025
- January 12, 2026
All payments are deposited directly into your bank account using the details from your 2024 tax return.
Who Qualifies for the CWB?
To receive the CWB or its advances, you must meet CRA criteria:
- Age & Residency: Canadian resident, at least 19 years old (or younger if living with spouse/dependent)
- Income Eligibility:
- Adjusted gross income below set thresholds (~$36,749 for singles; ~$48,093 for families)
- Employment Income: Must have earned working income
- Not a full-time student for more than 13 weeks (unless you have dependents)
- Disability Supplement: Qualify via Disability Tax Credit (DTC), validated on Form T2201
Annual income thresholds differ by province. Qualifying for the DTC adds extra support.
Understanding the Quarterly Advance
The Advanced Canada Workers Benefit (ACWB) gives up to 50% of your estimated benefit in advance . The remaining amount is reconciled after filing your 2025 tax return.
Overpayments are typically forgiven under CRA’s design—especially if you’re later ineligible.
Why the Benefit Was Raised in 2025
CRA adjusted CWB for 2025 to reflect:
- Inflation and cost-of-living increases
- Wage stagnation among low-income workers
- Feedback from earlier underutilization and insufficient support
This led to a larger boost than most federal benefits this year .
Maximizing Your CWB Payment
To ensure you receive full benefit:
- File your 2024 tax return accurately and on time
- Opt in for advance payments via CRA My Account or while filing
- Update personal info: marital status, dependents, address
- Ensure bank account data is current in CRA records
For those receiving the disability supplement, only the eligible spouse files Schedule 6 for the basic amount; both spouses can receive their own supplement if both qualify.
The $1,238 CRA deposit in July 2025 marks the start of a revived support cycle for low-income Canadian workers.
With three quarterly payments totaling up to $3,560, this refundable credit offers much-needed financial relief.
If you’re working and earning modest income, check your 2024 tax status, confirm your eligibility, and ensure your details are up to date to make the most of this support.
FAQs
Do I need to apply to receive the ACWB deposit?
No—if you filed your 2024 tax return and opted in via CRA My Account, you’ll automatically receive the advance payment.
What if I earn too much mid-year?
If your income increases, the CWB is reconciled when you file your 2025 taxes. Overpayments are generally forgiven—CRA won’t require repayment.
Can both spouses get the disability supplement?
Yes, but only one spouse receives the basic CWB. Both eligible spouses can claim a $821 disability supplement each.
