A new round of government payments is coming in July 2025, and if you are a low-income worker in Canada, you might see a boost in your money. The Canada Workers Benefit (CWB) is starting its new benefit year with advance payments that could be higher than before. This is because of updates made by the Canada Revenue Agency (CRA), which includes adjustments for inflation. 

The CRA also looks at your 2024 tax return starting this month. So, if your income or life situation changed last year, your payment may go up or down. 

Let’s break down who can get the benefit, how much you might receive, and when the money will arrive. 

What is the Canada Workers Benefit? 

The Canada Workers Benefit is a tax credit that helps low-income workers. If you work but still struggle with money, this benefit gives you extra support. 

There are two parts to this benefit: 

• The basic benefit for all eligible workers 

• A disability supplement for those who qualify 

You can get this money even if you don’t owe taxes, because it is a refundable credit. 

What is the Advanced Canada Workers Benefit? 

The Advanced Canada Workers Benefit (ACWB) gives you early access to part of your CWB. You don’t have to wait until tax time to get the full amount. 

The CRA sends up to 50% of your CWB in three smaller payments during the year. If you qualify for the disability supplement, half of that is also paid in advance. 

You don’t need to apply separately. The CRA looks at your last tax return and sends the money automatically. 

To get these payments, you must be living in Canada on the first day of the payment month and qualify for CWB. 

Who Can Get the Canada Workers Benefit? 

To get the CWB, you must meet these conditions: 

• You must live in Canada for the whole year 

• You must be at least 19 years old by December 31 (unless you live with your child or spouse) 

• You must earn working income 

• Your income must be below the limit for your province or territory 

Here are some example income limits: 

Household Type	Maximum Income
Single (no children)	$36,749
Family	$48,093

You cannot get the CWB if: 

• You were a full-time student for more than 13 weeks (unless you had a child or dependent) 

• You were in jail for 90 days or more 

• You don’t pay Canadian taxes due to a special exemption 

For the disability supplement, you must be approved for the Disability Tax Credit and have a valid Form T2201 on file. 

How to Apply for the Canada Workers Benefit 

You don’t need a separate form to apply. Just claim it when you file your taxes. 

If you file online, the software will help you claim it. If you file on paper, fill out Schedule 6 and include it with your return. 

If one partner in a couple qualifies for the disability supplement, they should claim both the basic and disability amount. If both qualify, they must each fill out Schedule 6, but only one can claim the basic CWB. 

If your return is filed before November 1, you’ll be set up for advance payments automatically. 

How Much is the Canada Workers Benefit? 

The amount you get depends on your income, family size, and where you live. 

Here are the maximum basic amounts for 2024: 

Household Type	Maximum Basic Amount	Income Limit (Starts Reducing)
Single	$1,590	$26,149
Family	$2,739	$29,833

If you qualify for the disability supplement, you could get up to $821 more: 

Type	Starts Reducing	Ends Completely
Single	$36,748	$42,222
Family (one person eligible)	$48,091	$53,565
Family (both eligible)	$48,091	$59,038

Advance Payment Amounts for July 2025 

If you’re eligible, you may receive up to: 

Situation	Amount
Single	$265
Family	$456.50
Disability Supplement (extra)	$136.83

Remember, this is just one of three advance payments you’ll get throughout the year. The actual amount depends on your personal tax details. 

Note: Residents of Quebec, Alberta, and Nunavut have different income limits and payment amounts. 

Is the Canada Workers Benefit Taxable? 

No, the CWB is not taxed. It is a refundable tax credit. This means it either reduces the amount of taxes you owe or gives you money back if you owe nothing. 

Even if you get advance payments, they are not counted as taxable income. 

When Will You Get the Next Payment? 

The next ACWB payment will be sent on Friday, July 11, 2025. This is the first payment of the new benefit year. 

Here are the upcoming advance payment dates: 

Payment Date	Month
July 11, 2025	First payment
October 10, 2025	Second payment
January 12, 2026	Third payment

These payments will help low-income workers manage their finances better throughout the year. 

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