John Hughie
The Canada Revenue Agency (CRA) has officially confirmed that eligible low- and moderate‑income Canadians may receive up to $5,712 in Canada Workers Benefit (CWB) payments during 2025.
Delivered via quarterly advance instalments, this refundable tax credit provides ongoing support for working individuals and families throughout the year.
What Is the Canada Workers Benefit (CWB)?
The CWB is a refundable tax credit designed to supplement the incomes of low-income workers, encouraging workforce participation. It combines:
- A basic amount for working individuals or families
- A disability supplement for those approved under the Disability Tax Credit (DTC)
In 2025, the maximum combined annual assistance reaches $5,712 if you qualify for both components.
2025 Payment Schedule: Quarterly Instalments
Advance payments are issued three times a year, with one additional deposit early in 2026:
| Quarter | Estimated Payment Date | Max Quarterly Amount |
|---|---|---|
| Q1 | January 15, 2025 | $1,428 |
| Q2 | April 15, 2025 | $1,428 |
| Q3 | July 15, 2025 | $1,428 |
| Q4 | October 15, 2025 | $1,428 |
Total potential support: $5,712 annually.
Who Qualifies for the 2025 CWB?
Eligibility is based on your 2024 tax return and 2025 personal details:
- Canadian resident for the entire year
- Be at least 19 years old by December 31, 2024 (or have a dependent/spouse)
- Earned working income (min. ~$3,000) in 2024
- Your net income is below CRA thresholds (~$33,000 individual; ~$50,000 family
- Not a full-time student (unless supporting dependents)
- Not incarcerated for 90+ days
Disability Supplement: If you are approved for the Disability Tax Credit, you may receive additional payments—boosting total benefit to $5,712/year.
Income Thresholds & Benefit Breakdown
| Category | Max Base Amount | Disability Supplement | Total Max Benefit |
|---|---|---|---|
| Single Individual | Up to ~$2,616 | Up to ~$2,016 | ~$5,712 |
| Family / Couple | Up to ~$3,912 | Up to ~$1,800 | ~$5,712 |
Exact amounts depend on your adjusted net income and family status.
How to Claim the CWB in 2025
Automatic Assessment (No Application Needed)
File your 2024 income tax return and opt in for advance payments via Schedule 6 or through CRA My Account.
Ensure Accurate Information
Confirm your banking info, marital status, and income details are current in CRA My Account to avoid payment delays.
Why Quarterly Payments Really Matter
The switch to advance quarterly payments was made to offer:
- Steady cash flow aligned with monthly expenses
- Relief during high-cost months like winter or back-to-school season
- Better budgeting for gig workers, part-time earners, and seasonal workers
This structure recognizes that financial support is most effective when it arrives regularly—not just in a lump sum.
The $5,712 Canada Workers Benefit in 2025 represents a major step forward in supporting working Canadians facing economic challenges. With its quarterly advance payments, it helps reduce stress, stabilize household finances, and reward ongoing employment.
To ensure you receive your full benefit:
- File your 2024 tax return on time
- Opt in for quarterly advance payments
- Keep your CRA account and direct deposit details current
- Apply for the Disability Supplement if eligible
Act now to secure this essential financial support and ensure your payments arrive on schedule.
FAQs
How much can I receive from CWB in 2025?
Eligible individuals may receive up to $5,712 annually, delivered in quarterly instalments of up to $1,428
Who qualifies for the full amount?
To receive the maximum benefit, you must have low adjusted net income, qualify for the Disability Tax Credit, and opt in for advance payments.
When are the CWB payment dates in 2025?
Payments are scheduled for January 15, April 15, July 15, and October 15, 2025.
