If you’re earning a modest income in Canada and trying to make ends meet, the Canada Workers Benefit (CWB) could be a game-changer for you. For 2025, eligible Canadians can receive up to $2,739 through this refundable tax credit — a much-needed financial boost to help with rising living costs.
Let’s break down everything you need to know — from who qualifies, how to apply, and when to expect your payments.
What Is the $2,739 Canada Workers Benefit?
The Canada Workers Benefit is designed for lower-income individuals and families who are actively working but still face financial pressure. Whether you’re employed full-time, part-time, or are self-employed, this benefit rewards your work and provides extra income support.
In 2025, the maximum payout is $2,739 for families and $1,518 for individuals. There’s also an added bonus — a disability supplement of up to $737, which helps those living with a disability cover extra expenses.
Quick Snapshot of CWB 2025
| Category | Details |
|---|---|
| Max Benefit (Families) | Up to $2,739 |
| Max Benefit (Singles) | Up to $1,518 |
| Disability Supplement | Up to $737 |
| Eligibility Age | 19 years or older |
| Residency | Must be a Canadian resident |
| Income Limit | Approx. $24,975 (singles); $28,494 (families) |
| Payment Dates (Advance) | Jan 10, July 11, Oct 10 |
| Application Method | File your tax return with Schedule 6 |
| Helpful Tool | CRA’s CWB Online Calculator |
| Official Site | Canada Workers Benefit – CRA |
Who’s Eligible for the CWB in 2025?
To qualify for the CWB, you must meet the following criteria:
- Be a resident of Canada for the full tax year.
- Be at least 19 years old by December 31, 2024 (or younger if you have a spouse, common-law partner, or child).
- Have earned employment or self-employment income.
- Your income must fall below the phase-out thresholds:
- $24,975 for individuals.
- $28,494 for families (combined income).
- You must not be a full-time student for over 13 weeks (unless you have dependents).
The disability supplement requires that you’re eligible for the Disability Tax Credit (DTC) and that your income remains within the qualifying range.
When Will You Get the CWB Payments?
The Canada Revenue Agency (CRA) issues advance payments for the CWB three times a year:
- January 10, 2025
- July 11, 2025
- October 10, 2025
The remainder of the benefit will be included when your tax return is processed.
CRA Disability Tax Credit 2025 – Eligibility, Claim Process & Amount Explained
How to Apply for the $2,739 CWB in 2025
Claiming the Canada Workers Benefit is easy — but you need to file your income tax return, even if you don’t owe taxes.
Here’s what to do:
- Complete your tax return for 2024.
- Make sure to fill out Schedule 6 — this section covers the Canada Workers Benefit.
- If eligible for the disability supplement, also ensure your Disability Tax Credit certificate is approved by the CRA.
You can also use the CRA’s online CWB Calculator to estimate your benefit before filing.
Expert Tips to Maximize Your Benefit
- File your taxes on time: Even if you earned a small amount, don’t skip filing — it’s the only way to access CWB payments.
- Keep your income low: If you’re on the edge of the income limit, managing your earnings might help you qualify for a higher benefit.
- Stay informed: CRA updates thresholds and payments annually — check their website or contact them directly for the latest updates.
Final Thoughts
The $2,739 CWB payment in 2025 is a great way to boost your income if you’re working and earning less. With advance payments and the possibility of a disability top-up, the Canada Workers Benefit can really help reduce some financial stress.
Make sure to file your taxes properly, stay within the income limits, and don’t miss out on any part of this benefit. For more details, always check the CRA site or speak with a tax professional.