The Canada Revenue Agency (CRA) has announced the rollout of the $5,712 Canada Workers Benefit (CWB) payment for eligible working individuals and families in 2025. This refundable tax credit is designed to support low-income workers and offer additional financial relief as the cost of living continues to rise across the country.
With inflation affecting basic expenses like food, housing, transportation, and utilities, the CWB program has become one of the most impactful benefits for low-income earners in Canada. Now, with the maximum benefit increased to $5,712, more Canadians are taking notice and asking important questions: Am I eligible? How do I apply? When will I get paid?
This article provides a detailed breakdown of the CWB program, including eligibility, payment structure, application process, and important dates you need to know.
What Is the Canada Workers Benefit (CWB)?
The Canada Workers Benefit is a refundable tax credit offered by the Government of Canada to support low-income workers and encourage workforce participation. It’s administered by the Canada Revenue Agency (CRA) and paid out as part of your tax return or through advance payments during the year.
The CWB includes two components:
- Basic Amount – For all eligible low-income workers.
- Disability Supplement – For workers who qualify for the Disability Tax Credit (DTC).
In 2025, the maximum annual CWB payment has been increased to $5,712 for families (couples or single parents), while single individuals without dependents can receive up to $1,518.
This move aims to ease financial pressure on working Canadians who are struggling with low wages and rising living expenses.
Who Is Eligible for the $5,712 CWB Payment?
To qualify for the Canada Workers Benefit in 2025, individuals must meet several basic criteria set by the CRA. Eligibility is based on income, age, and employment status.
You may be eligible if you:
- Are aged 19 or older on December 31, 2024
- Earn income from employment or self-employment
- Have a working income below the set threshold, which varies by province
- Are not a full-time student for more than 13 weeks unless you have a dependent
- Are a Canadian resident for income tax purposes
- Do not reside in a correctional facility for 90 days or more during the year
You must file your 2024 income tax return to receive the benefit in 2025. Even if you owe no taxes, filing is essential to qualify.
Income Thresholds and Benefit Calculation
The actual amount you receive depends on your net income and family situation. The benefit gradually phases out once your income exceeds a certain limit.
In 2025, the maximum CWB amounts are:
- Up to $1,518 for single individuals
- Up to $2,616 for individuals with disabilities
- Up to $5,712 for families (couples or single parents)
The CWB amount begins to reduce once net income crosses:
- $23,495 for single individuals
- $26,805 for families
Those earning above $33,015 (single) or $43,212 (families) may not qualify for the full benefit.
Note: These figures may vary slightly based on the province or territory of residence and the final CRA guidelines issued during tax season.
How and When Will the CWB Be Paid?
The Canada Workers Benefit is paid in two ways:
1. As a Refund on Your Tax Return:
When you file your 2024 tax return in early 2025, the CRA calculates your CWB amount based on your reported income. The amount will either:
- Increase your tax refund, or
- Be paid to you directly if no tax is owed
2. Through Advanced Quarterly Payments:
To offer year-round support, the CRA allows eligible individuals to receive advance CWB payments—distributed in four installments throughout the year.
Advance payments are usually issued in:
- January
- April
- July
- October
If you are eligible for the CWB based on your 2023 tax return, you may already be receiving these quarterly payments in 2024. To get advance payments for 2025, ensure your 2024 return is filed on time.
How to Apply for the CWB Payment
There is no separate application form required for the Canada Workers Benefit. Simply file your income tax return for the year and claim the CWB by completing Schedule 6 (CWB) along with your return.
For those eligible for the disability supplement, you must:
- Be approved for the Disability Tax Credit (DTC)
- Submit the T2201 form to the CRA if not already on file
If you’re eligible, the CRA will calculate your benefit automatically based on your tax return.
CWB Payment Example
Let’s take a quick example to understand how it works:
Scenario:
- You are a single worker earning $21,000 per year
- You are not a full-time student and live alone
- You file your tax return on time
In this case, based on your income, the CRA will calculate your benefit and you could receive up to $1,200–$1,500 either through advance payments or as a lump sum refund.
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Why the CWB Is Important for Working Canadians
The Canada Workers Benefit plays a vital role in reducing poverty and helping low-wage workers stay financially stable. At a time when inflation and living costs are straining household budgets, a $5,712 benefit could help with:
- Monthly utility bills
- Rent or housing support
- Grocery and transportation expenses
- Emergency or medical costs
This benefit encourages employment by offering real financial support to those who need it the most.
Things to Keep in Mind
- Always file your taxes on time, even if you have low or no income
- Keep your personal and banking information updated with the CRA
- Avoid third-party websites or calls asking for your CWB registration—CRA does not charge fees for benefit payments
- Track your benefits using your CRA My Account online
CWB Advance Payment Dates 2025 Conclusion
The announcement of $5,712 in Canada Workers Benefit payments for 2025 is great news for low-income workers and families across the country. As part of Canada’s commitment to economic equality and financial inclusion, this benefit offers real, tangible support where it’s needed most.
If you believe you may be eligible, take the time to understand the program, keep your records accurate, and file your 2024 tax return on time. Doing so ensures you won’t miss out on one of the most impactful income support programs available today.
Disclaimer This article is for informational purposes only and based on public information available at the time of writing. Please refer to the Canada Revenue Agency (CRA) or a licensed tax professional for official updates and personalized advice.