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The Canada Workers Benefit (CWB) is back in 2025 with a major financial boost for low- and modest-income Canadians.
The Canada Revenue Agency (CRA) has officially confirmed that eligible individuals and families can receive up to $5,712 over the year through quarterly advance payments.
This change ensures that Canadians won’t need to wait until tax season to receive this critical support—it’ll now arrive every few months, offering greater cash flow stability for working households.
What Is the Canada Workers Benefit?
The CWB is a refundable tax credit meant to supplement the earnings of low-income workers while incentivizing continued employment.
Instead of a single payment after filing taxes, the CRA will issue quarterly payments in January, April, July, and October 2025.
| Quarter | Estimated Payment Date | Maximum Amount (Up To) |
|---|---|---|
| Q1 | January 15, 2025 | $1,428 |
| Q2 | April 15, 2025 | $1,428 |
| Q3 | July 15, 2025 | $1,428 |
| Q4 | October 15, 2025 | $1,428 |
| Total | — | $5,712/year |
Who Is Eligible for the $5,712 CWB?
To qualify for the 2025 Canada Workers Benefit, you must meet the following conditions:
- Be at least 19 years old by December 31, 2024 (or live with a child or spouse)
- Earn working income in 2024
- Be a Canadian resident throughout the entire year
- Not be a full-time student for more than 13 weeks (unless supporting a dependent)
Estimated Income Thresholds for 2025:
| Household Type | Approx. Maximum Income |
|---|---|
| Single Individual | Up to $33,000 |
| Family with Children | Up to $50,000 |
Exact thresholds may change based on 2024 income guidelines.
Disability Supplement
If you or your spouse is approved for the Disability Tax Credit (DTC), you may qualify for an additional disability supplement.
This supplement is added to your CWB quarterly payments, offering enhanced financial support for eligible Canadians living with disabilities.
Why the CWB Matters
The Canada Workers Benefit is more than a tax break—it’s a lifeline for Canadians trying to stretch every dollar. These quarterly payments help offset:
- Rent or housing costs
- Groceries and essentials
- Utility bills
- Transportation and work-related expenses
Whether you’re juggling part-time jobs, seasonal work, or navigating unpredictable income, CWB ensures consistent financial relief throughout the year.
How to Apply for CWB in 2025
Most eligible individuals are automatically assessed when they file their 2024 tax return. However, to receive advance quarterly payments, follow these steps:
Step 1: File your 2024 income tax return by April 30, 2025
Step 2: Opt-in for advance payments via your tax return or CRA My Account
Step 3: Make sure your banking, address, and marital status are up to date
Step 4: Sign up for direct deposit to avoid cheque delays
If eligible and opted in, your first payment arrives mid-January 2025.
Avoiding Overpayment
If your circumstances change during the year (e.g., increased income or marital changes), and you receive more than you’re entitled to, the CRA will recover the overpaid amount when you file your 2025 return. Always update your CRA profile with the most current information.
Pro Tips to Maximize Your CWB
- File your taxes early to qualify for the January payment
- Use CRA My Account to track eligibility and payment status
- Apply for the Disability Supplement if eligible
- Report income and life changes promptly to avoid overpayment penalties
With $5,712 in total support, the Canada Workers Benefit is set to provide much-needed financial relief to millions in 2025.
Whether you’re single, supporting a family, or living with a disability, this program helps you manage everyday expenses while rewarding your participation in the workforce.
Act early, file on time, and use CRA tools to maximize your benefit—your quarterly CWB payouts can make a real difference in your financial year.
FAQs
When do CWB payments start in 2025?
Payments begin on January 15, 2025, and continue quarterly in April, July, and October.
Who qualifies for the Canada Workers Benefit?
Low-income individuals aged 19+ who earned working income in 2024 and meet income and residency criteria.
Is the CWB a one-time payment or quarterly?
The 2025 CWB is paid quarterly—you can receive up to $1,428 every three months, totaling $5,712 annually.