The Canada Workers Benefit (CWB) is once again set to provide vital financial relief for low-income workers in 2025. The Canada Revenue Agency (CRA) has confirmed that eligible individuals will receive quarterly payments of up to $1,428, delivering predictable, timely support in a high-cost economic climate.
Unlike traditional tax credits delivered annually, the CWB is designed to give Canadians regular income support throughout the year. Let’s dive into the payment schedule, eligibility requirements, and how you can ensure you receive this benefit.
What is the Canada Workers Benefit (CWB)?
The CWB is a federal income supplement aimed at supporting modest-earning Canadians who are employed but still struggling financially. The benefit is structured to reward work and reduce the risk of poverty by offering a refundable tax credit, paid in advance quarterly installments.
The 2025 version of the benefit is set to provide up to $5,712 annually—$1,428 per quarter—for those who qualify, offering a much-needed cushion against the rising cost of living.
Canada Workers Benefit 2025 Payment Schedule
The CRA has confirmed the advance payment structure for the year, ensuring eligible Canadians receive consistent support at the following times:
| Quarter | Estimated Payment Date | 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 |
Note: The actual payment amount may vary depending on income, marital status, and other eligibility factors.
Eligibility Criteria for the Canada Workers Benefit
To qualify for the Canada Workers Benefit in 2025, individuals must meet certain criteria:
- Must be a resident of Canada throughout the year
- Must be at least 19 years old by December 31, 2024, or living with a spouse, common-law partner, or dependent child
- Must have employment income within the defined low-income threshold
- Must not be a full-time student for more than 13 weeks unless supporting a dependent
- Must not be confined in prison for more than 90 days during the year
Income thresholds vary but generally include:
- Individuals earning up to approximately $33,000
- Families with combined earnings up to $50,000
In addition, those living with disabilities may qualify for an extra supplement, increasing their total benefit amount.
How the CWB Helps Working Canadians
The Canada Workers Benefit offers meaningful support by:
- Encouraging employment among low-income individuals
- Providing frequent payments that align with how people budget
- Helping cover essential costs like groceries, utilities, and housing
- Offering stability and flexibility for families living paycheck to paycheck
This quarterly model is especially helpful because it spreads the benefit over the year, instead of making recipients wait for a lump sum during tax season.
How to Apply for the Canada Workers Benefit
In most cases, Canadians are automatically enrolled through their annual income tax return. However, to receive advance quarterly payments, you must opt-in while filing your taxes or through CRA’s online portal.
Key Steps:
- File your 2024 tax return before the deadline
- Complete the CWB section (Schedule 6) on your return
- Opt in for advance payments when prompted
- Ensure your personal and income details are up to date with CRA
If you’re new to the benefit or have changes in your circumstances (such as marital status or income), make sure to update your CRA account to avoid delays or overpayments.
Disability Supplement
In addition to the basic CWB, individuals who qualify for the Disability Tax Credit may receive an additional supplement of up to $737. This is available to those who meet the income requirements and have an approved disability certificate on file.
Why This Payment Schedule Matters
In an era of rising inflation and economic instability, regular support from programs like the CWB makes a substantial difference. Whether you’re a part-time worker, a single parent, or someone managing multiple jobs on minimum wage, this benefit is a lifeline.
It not only helps reduce poverty but also reinforces that work is rewarded—even for those earning lower wages. The quarterly payments give recipients the flexibility to meet essential expenses without waiting for a tax refund.
The Canada Workers Benefit 2025 continues to be a powerful income support program for millions of working Canadians. With quarterly payments of up to $1,428 confirmed, the CRA is offering consistent, reliable help throughout the year—when it’s needed most.
If you’re eligible, make sure to opt-in for advance payments and file your taxes early to avoid missing out on January’s disbursement. In times of economic uncertainty, every dollar counts—and the Canada Workers Benefit ensures that those who need it most aren’t left behind.
FAQs
Do I need to apply separately for the Canada Workers Benefit?
No separate application is required. If you’re eligible, simply file your tax return and complete Schedule 6 to claim the benefit.
Can I still get the payments if I didn’t opt in for advance payments?
Yes. If you didn’t opt in, you’ll receive the full amount when your 2025 taxes are assessed, rather than in quarterly installments.
What if my income changes during the year?
The CRA bases advance payments on the previous year’s tax return. Any overpayments or underpayments will be adjusted when you file your 2025 return.