$2,739 Canada Workers Benefit In 2025 – Eligibility, Disability Supplement & Advance Payments

In August 2025, the Canada Workers Benefit (CWB) continues to provide essential financial relief for low- and modest-income workers across the country.

This refundable tax credit can reduce the amount of tax owed or provide a direct refund—even if you owe nothing.

With inflation still affecting daily costs, the CWB 2025 maximum benefit reaches $2,739 for families and $1,590 for individuals, with an extra $821 disability supplement available for those approved under the Disability Tax Credit (DTC).

The Advanced Canada Workers Benefit (ACWB) also ensures recipients get part of their money upfront, helping workers cover costs without waiting for tax season.

What Is the Canada Workers Benefit?

The CWB is designed to:

• Support low-income Canadians while encouraging workforce participation.
• Provide both a basic benefit and a disability top-up.
• Deliver advance payments through the CRA three times a year (July, October, January).

This structure makes the benefit more predictable and accessible for Canadians in need.

Eligibility Criteria for 2025

To qualify for the CWB in 2025, you must:

• Be a Canadian resident throughout the year.
• Be 19 years or older by December 31, 2025 (or live with a spouse/child).
• Have earned income from employment or self-employment.
• File your 2024 taxes on time.

Disqualifications

You are not eligible if:

• You were a full-time student for more than 13 weeks (unless you had dependents).
• You were incarcerated for 90+ days.
• You are exempt from Canadian taxes (e.g., diplomats).

Income Limits for 2025

Category	Maximum Income to Qualify
Single	$36,749
Families	$48,093

Benefits gradually phase out as incomes rise, ensuring targeted support for those most in need.

CWB Benefit Amounts in 2025

Category	Maximum Benefit	Phase-Out Starts	Fully Phased Out At
Single	$1,590	$26,149	$36,749
Families	$2,739	$29,833	$48,093
Disability Supplement	$821	$36,748 (single)	Up to $59,038

This makes the combined support for some households significantly higher, especially where one or both adults qualify for the disability top-up.

Advance Payments – ACWB 2025

The Advanced Canada Workers Benefit (ACWB) provides up to 50% of the annual CWB before tax season. Payments are automatic if you qualify.

2025–2026 Payment Schedule

• First Payment: July 11, 2025
• Second Payment: October 10, 2025
• Third Payment: January 12, 2026

The remaining 50% will be added to your 2025 tax refund in spring 2026.

July 2025 Advance Payment Breakdown

Recipient Type	Estimated July Payment
Single individual	$265.00
Eligible family	$456.50
Disability top-up	$136.83 (per adult)
Max couple (base + disability)	$730.17

Regional differences apply, with provinces like Quebec, Alberta, and Nunavut offering adjusted amounts.

How to Apply for the CWB

There is no separate application for the CWB. Simply:

1. File your 2024 tax return.
2. Complete Schedule 6 if filing on paper.
3. Tax software or CRA automatically calculates your benefit.
4. If eligible, advance payments are sent automatically.

Are CWB Payments Taxable?

No. The CWB and ACWB payments are non-taxable, meaning you keep the full amount without it affecting other benefits.

Why the CWB Matters in 2025

With living costs rising, the Canada Workers Benefit is a vital support system. It:

• Provides up to $2,739 for families and $1,590 for singles.
• Includes an $821 disability supplement.
• Offers advance payments throughout the year for ongoing support.

For many working Canadians, this benefit makes the difference between financial stress and stability.

The $2,739 Canada Workers Benefit in 2025 is a lifeline for low-income workers and families. By offering basic amounts, disability supplements, and advance payments, the CWB ensures Canadians have year-round support against rising costs.

Filing taxes on time, keeping CRA details updated, and checking eligibility are the keys to maximizing your benefits in 2025.

FAQs