As of July 11, 2025, the Canada Revenue Agency (CRA) has issued the first advance payment of the new benefit year for the Canada Workers Benefit (CWB).
This month’s payment could reach as high as $1,238.99, depending on a recipient’s income, province of residence, and disability status. The Canada Workers Benefit is one of the federal government’s key tools for supporting low-income workers, offering financial relief to those who are employed but struggling with the rising cost of living.
This article breaks down who qualifies, how much you can receive, and what’s new for July 2025, including important provincial variations.
What Is the Canada Workers Benefit (CWB)?
The Canada Workers Benefit (CWB) is a refundable tax credit provided by the federal government to help working individuals and families with low income. It consists of two main components:
- Basic amount – Based on annual income and household composition
- Disability supplement – Available for those approved under the Disability Tax Credit (DTC)
In 2025, up to 50% of the total annual CWB amount is issued in three advance payments, scheduled for July, October, and January. The remaining amount is settled when filing the tax return.
What’s New in the July 2025 CWB Payment?
This year’s July advance payment reflects increases due to inflation adjustments, meaning both the maximum amounts and income phase-out thresholds have been raised.
Depending on your location, family size, and disability status, your payment could range from $263 to $1,238.99. Those in Quebec, Nunavut, and Alberta may see higher-than-average payments.
Regional Breakdown of July 2025 CWB Payments
Here’s a summary of advance payment amounts by region and household type for July 2025:
| Region | Single (No DTC) | Family (No DTC) | Max Payment (With DTC ×2) |
|---|---|---|---|
| Most Provinces | $265 | $456.50 | $730.17 |
| Alberta | $284 | $425.17 | $698.83 |
| Nunavut | $263 | $395.17 | $699.17 |
| Quebec | $617.56 | $963.09 (No Kids) | $1,238.99 (Couple with DTC) |
These figures represent advance installments, meaning recipients could get additional funds during the annual tax assessment.
Eligibility Criteria for the Canada Workers Benefit
To qualify for the Canada Workers Benefit, you must meet these federal requirements:
- Be a Canadian resident throughout the year
- Be 19 years or older by December 31, 2025 (or live with a spouse or dependent child)
- Have earned employment or self-employment income
- File a 2024 income tax return before November 1, 2025
Eligibility is automatically assessed by the CRA through your tax return—no additional application is needed.
Income Thresholds and Phase-Out Ranges
CWB benefits start reducing after certain income thresholds are reached. These thresholds vary by region:
| Region | Singles (Phase-Out Range) | Families (Phase-Out Range) |
|---|---|---|
| Most Provinces | $26,149 – $36,749 | $29,833 – $48,093 |
| Alberta | $25,472 – $36,832 | $31,911 – $48,918 |
| Nunavut | $26,127 – $65,577 | $35,957 – $65,595 |
| Quebec | $13,829 – $32,356 | $21,456 – $50,150 (No Kids) |
The benefit gradually reduces within these ranges and fully phases out beyond the upper income limit.
Disability Supplement and Its Eligibility
If you are eligible for the Disability Tax Credit (DTC), you may receive an additional CWB supplement, which also phases out based on income.
| Region | Disability Supplement Ends At (Single) | Families (Phase-Out Ends) |
|---|---|---|
| Most Provinces | $42,222 | $59,038 |
| Alberta | $42,305 | $59,865 |
| Nunavut | $73,195 | $80,777 |
| Quebec | $36,495 | $58,427 (No Kids) |
To receive this supplement, DTC approval is required—you cannot claim the disability portion without it.
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Payment Schedule for the Canada Workers Benefit
For those who filed their 2024 tax return early, the first advance installment was automatically deposited on July 11, 2025.
The remaining advance payments for this benefit year will be issued on:
- October 2025
- January 2026
Advance payments are usually delivered via direct deposit or cheque, depending on the information stored in your CRA My Account.
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Why the CWB Matters in 2025
In 2025, many Canadians continue to feel the impact of high living costs, especially low-income workers who are employed but still struggling to cover basic expenses. The Canada Workers Benefit offers a crucial financial cushion for this group.
Key benefits of the CWB include:
- Timely advance payments to support ongoing expenses
- Targeted aid for those in greatest need
- Additional support for individuals living with disabilities
- Fully refundable benefit—even if you pay no income tax
What You Should Do Now
If you haven’t yet received your CWB payment or are unsure about your eligibility, take the following steps:
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- Ensure your 2024 tax return has been filed
- Log into CRA My Account and review your benefit payment details
- Confirm or update your direct deposit information
- If eligible for the DTC, ensure your approval is up to date
If your information is correct and you met the filing deadline, you don’t need to do anything—your payment should be processed automatically.
FAQs
Q1. When is the next CWB payment after July 2025?
The next two advance payments are scheduled for October 2025 and January 2026.
Q2. Do I need to apply separately for the CWB?
No. CRA automatically calculates eligibility based on your income tax return.
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Q3. Can I get the disability supplement without the DTC certificate?
No. You must be approved for the Disability Tax Credit (DTC) to receive the supplement.
Q4. What if I missed the July 11 payment?
If your tax return was filed late, your payment may be processed in the next round or when your return is assessed.
