The Canada Workers Benefit (CWB) is a refundable tax credit designed to support low-income individuals and families who are actively employed.
For the 2025 tax year, eligible recipients can receive up to $2,739, providing essential financial assistance to those striving to make ends meet.
Key Details at a Glance
| Feature | Details |
|---|---|
| Maximum Basic Amount | Single individuals: Up to $1,590 <br>- Families: Up to $2,739 |
| Income Thresholds | Single: Benefit reduces if net income exceeds $26,149; eliminated at $36,749 <br>- Families: Benefit reduces if net income exceeds $29,833; eliminated at $48,093 |
| Disability Supplement | Additional $821 for eligible individuals |
| Payment Schedule | Advance payments issued on January 10, July 11, and October 10, 2025 |
| Application Requirement | File annual tax return and complete Schedule 6 |
Understanding the CWB Components
Basic Amount
The basic amount of the CWB provides financial support to low-income workers. Eligibility and benefit amounts are determined based on net income and family status.
Disability Supplement
An additional $821 is available for individuals who qualify for the Disability Tax Credit (DTC). This supplement is gradually reduced based on income thresholds and is not available to those whose income exceeds specified limits .
Eligibility Criteria
To qualify for the CWB in 2025, applicants must meet the following conditions:
- Age: Be at least 19 years old on December 31, 2024, or live with a spouse, common-law partner, or child .
- Residency: Be a resident of Canada throughout the year .
- Income: Earn working income below the specified thresholds for singles or families .
- Exclusions: Not be a full-time student for more than 13 weeks in the year (unless supporting a child), not be incarcerated for 90 days or more, and not be exempt from paying tax in Canada .
How to Apply for the CWB
- File Your Tax Return: Ensure you file your 2024 income tax return by the deadline.
- Complete Schedule 6: Fill out Schedule 6 to calculate your CWB amount. This form is essential for determining your eligibility and benefit .
- Automatic Advance Payments: If eligible, the Canada Revenue Agency (CRA) will automatically issue advance payments in January, July, and October .
Maximizing Your Benefit
- Timely Filing: Submit your tax return promptly to ensure you receive advance payments.
- Accurate Information: Provide complete and accurate information on Schedule 6 to avoid delays.
- Stay Informed: Regularly check the CRA website or contact them for updates on your benefit status.
The Canada Workers Benefit offers substantial support to low-income workers, with potential benefits up to $2,739 in 2025.
By understanding the eligibility criteria and ensuring timely and accurate tax filings, you can take full advantage of this program to supplement your income and ease financial burdens.
FAQs
Can both spouses claim the CWB?
No, only one spouse can claim the basic amount. However, if both are eligible for the Disability Tax Credit, each can claim the disability supplement separately .
What if my income changes during the year?
The CWB is based on your annual income. Significant changes may affect your eligibility or benefit amount. It’s advisable to report any major income changes to the CRA.
Do I need to apply separately for advance payments?
No, if you’re eligible and have filed your tax return with Schedule 6, the CRA will automatically issue advance payments .