The Canada Workers Benefit (CWB) is a crucial financial support program designed to assist low-income workers. In 2025, eligible individuals can claim up to $1,590, while families can receive even more.
This refundable tax credit ensures that those who work but struggle with financial stability receive the necessary aid to meet daily expenses.
This article will guide you through the eligibility criteria, application process, and payment dates. Whether you’re a first-time applicant or already receiving CWB, understanding these details can help you maximize your benefits.
Eligibility
To qualify for the CWB in 2025, you must meet these criteria:
- Age Requirement: You must be at least 19 years old by December 31, 2025.
- Income Limits: Your adjusted net income must be below the set threshold. For individuals, this is usually $24,975 or less, but it varies by province. Families may receive higher amounts if their combined income qualifies.
- Residency: You must be a Canadian resident for tax purposes for the entire year.
- Tax Filing: Filing a 2025 tax return is mandatory to claim the benefit, regardless of income earned.
Additionally, if you or your spouse has a disability, you may qualify for the disability supplement, which provides up to $784 in extra financial support.
Payment Amounts
The CWB payment depends on your income and family situation:
| Category | Maximum Benefit |
|---|---|
| Individuals | Up to $1,590 |
| Families/Couples | Up to $2,616 |
| Disability Supplement | Up to $784 |
The benefit gradually reduces as income increases, meaning lower-income workers receive the highest amount.
Payment Dates
CWB payments are made in quarterly installments:
- First Payment – January 10, 2025
- Second Payment – July 11, 2025
- Third Payment – October 10, 2025
If a payment date falls on a weekend or holiday, payments will be issued on the last business day before the scheduled date.
How to Apply
Step 1: File Your Taxes
Filing your 2025 tax return is the most critical step in claiming the CWB. The benefit is not automatically issued, and you must apply through your tax return.
You can file your taxes in two ways:
- Online – Use CRA-certified tax software for faster processing.
- Paper – Submit a mailed tax return to the CRA, though this takes longer to process.
Ensure your tax information, including income, marital status, and dependents, is accurate to avoid delays.
Step 2: Complete the Schedule 6 Form
To claim the CWB, you must complete Schedule 6, which requires:
- Your total income for the year
- Details about any disabilities (if applicable)
- Information about dependent children
The CRA will review your application and determine your eligibility and payment amount.
Step 3: Receive Your Payments
Once you submit your tax return and the required forms, the CRA will process your application and issue payments on the scheduled dates.
Step 4: Verify Your Banking Information
CWB payments are directly deposited into your bank account. Ensure your banking details are correct to avoid any payment delays.
Maximizing Your Benefits
To receive the full CWB amount, consider these tips:
- File your taxes early to ensure timely payments.
- Double-check your tax return for accuracy, including dependents and disability status.
- Apply for the disability supplement if you or your spouse qualify.
- Monitor income changes, as they can affect your benefit amount.
The Canada Workers Benefit is a vital support system for low-income workers. By understanding the eligibility rules, payment schedule, and application process, you can ensure you receive the maximum benefit available.
