The Canada Workers Benefit (CWB) remains a vital support system for low-income Canadians in April 2025. This refundable tax credit, administered by the Canada Revenue Agency (CRA), helps individuals and families meet basic expenses by offering up to $1,518 annually for single workers and up to $2,616 for families.
The next scheduled payment is approaching, and it’s essential to understand if you qualify, how to claim the benefit, and how income changes can affect your eligibility.
What Is the Canada Workers Benefit (CWB)
The CWB is a financial assistance program designed to supplement the earnings of low-income workers and encourage continued workforce participation. It includes two major components:
-
Basic Benefit: Offered to eligible individuals and families with modest earnings
-
Disability Supplement: Additional support of up to $784 for workers with disabilities
| Category | Annual Maximum Benefit |
|---|---|
| Single Individual | $1,518 |
| Eligible Families | $2,616 |
| Disability Supplement | $784 |
These amounts are determined by family structure, income, and eligibility status at the time of filing your return.
Who Qualifies for the CWB in April 2025
You may be eligible for the CWB if you meet all of the following:
-
Residency: Must be a Canadian resident throughout the year
-
Age Requirement: Must be 19 or older, or living with a spouse or dependent child
-
Income: Your net income must fall below specific thresholds for your province
Exclusions apply to:
-
Full-time students (unless supporting a spouse or dependent)
-
Individuals incarcerated for more than 90 days in the tax year
READ MORE: Canada Child Benefit (CCB) April 2025: New Rates, Payment Date & Eligibility Guide
CWB Income Thresholds for 2025
| Category | Start of Phase-Out | Fully Phased Out At |
|---|---|---|
| Single Individuals | $24,975 | $35,095 |
| Families | $28,494 | $45,934 |
If your income exceeds the full phase-out amount, you will no longer qualify for CWB payments.
CWB Payment Dates for 2025
The Canada Workers Benefit is paid out in advance installments to help Canadians manage their finances year-round. Here are the key payment dates:
| Month | Payment Date |
|---|---|
| January 2025 | January 10 |
| July 2025 | July 11 |
| October 2025 | October 10 |
While April does not have a disbursal, it’s an important month to ensure your 2024 tax return is filed on time to stay eligible for the July installment.
READ MORE: $1,720 Monthly CPP in April 2025: Payment Dates, Eligibility & Direct Deposit Guide
How to Apply for the Canada Workers Benefit
You don’t need to submit a separate application to receive the CWB. It is automatically calculated when you file your income tax return with the CRA.
Steps to receive the benefit:
-
File your 2024 income tax return by April 30, 2025
-
Complete Schedule 6, the form used to assess CWB eligibility
-
Ensure your bank details are up to date for direct deposit
Even if you had no income, filing ensures you remain eligible for credits like CWB, GST/HST, and the Canada Child Benefit (CCB).
CWB Disability Supplement
Workers with disabilities may qualify for an additional $784 annually under the CWB.
To be eligible for the supplement:
-
You must qualify for the Disability Tax Credit (DTC)
-
A T2201 form must be approved and on file with the CRA
This extra support ensures that disabled individuals can maintain a better standard of living while working.
How Income Changes Affect Your CWB Amount
As your income rises, your benefit gradually decreases. The amount you receive is highly dependent on your annual net earnings.
Example:
-
Mark earns $22,000 – He receives the full $1,518
-
Sarah earns $29,000 – Her benefit is reduced to $700
-
Liam earns $36,000 – He no longer qualifies for CWB
It’s important to reassess your expected earnings each year and file taxes accordingly to reflect changes in eligibility.
Why the Canada Workers Benefit Matters
This benefit directly improves the financial wellbeing of Canadians who earn modest incomes but do not qualify for other assistance. It helps reduce poverty, support employment, and bridge the income gap.
Workers in industries like retail, warehousing, delivery services, and small businesses often rely on this boost to cover basic expenses like rent, groceries, and transportation.
FAQs
What is the CWB payment amount for 2025?
The maximum benefit is $1,518 for individuals and $2,616 for families. Those eligible for the disability supplement may receive up to $784 more.
Do I need to apply separately for the CWB?
No, the CWB is processed automatically when you file your tax return and complete Schedule 6.
What if I miss the April 30 tax deadline?
Missing the deadline may delay your CWB payment or disqualify you from receiving the July installment. File on time to stay eligible.
Can full-time students receive the CWB?
Only if they have a spouse, common-law partner, or dependent child. Otherwise, full-time students are excluded.
When is the next CWB payment after April?
The next CWB installment will be paid on July 11, 2025, provided you filed your return by April 30.
Is the CWB taxable?
No, the CWB is a refundable tax credit and is not considered taxable income.
What is the disability supplement, and who gets it?
Eligible individuals with an approved Disability Tax Credit (DTC) can receive an extra $784 annually under the CWB.
How do I check if my payment was issued?
Log in to your CRA My Account or check your bank account for a deposit labeled “Canada Workers Benefit.”
Click here to know more.
Aanchal is a passionate writer with a keen interest in storytelling, content creation, and creative expression. She enjoys exploring diverse topics and crafting engaging narratives that captivate readers.