The Canada Workers Benefit is a refundable tax credit aimed at low-income Canadians who are employed or self‑employed. It includes:
- Basic Amount: Based on income and household size
- Disability Supplement: Additional support for those with a Disability Tax Credit (DTC)
Starting in 2022, up to 50% of the annual CWB is now issued early in three instalments—July, October, and January—to ease financial strain.
July 2025 Advance Payment Details
- Date: July 11, 2025 (for most banks)
- Amount: Up to $1,238.99 in Quebec for a couple with DTC qualification
Amount varies by province, income, and DTC eligibility. See full breakdown.
July 2025 CWB Advance Payment by Region
| Region | Single | Family | Max w/ DTC |
|---|---|---|---|
| Standard Provinces | $265 | $456.50 | $730.17 |
| Alberta | $284 | $425.17 | $698.83 |
| Nunavut | $263 | $395.17 | $699.17 |
| Quebec | $617.56 | $963.09 | $1,238.99 |
Amount is 50% of annual benefit, based on 2024 tax return.
Who Qualifies for the CWB?
To be eligible in 2025:
- Be a Canadian resident throughout 2024
- Be 19+ years old (or have a spouse/child) by Dec 31, 2024
- Have working income within regional thresholds
- File 2024 tax return, including Schedule 6 with line 45300, by Nov 1, 2025
Must not exceed income phase-out ranges:
| Region | Single Income Range | Family Income Range |
|---|---|---|
| Standard | $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 |
Disability supplement phases out at higher thresholds
How Much Is the Advance Amount?
Advance = 50% of basic + 50% of disability supplement (if applicable):
- Standard single: $265
- Standard family: $456.50
- Plus 50% disability: ~$136.83 each
- Quebec max: $617.56 (single), $963.09 (family), $1,238.99 (couple w/ DTC)
You’ll receive the remaining half via your 2025 tax return in spring 2026.
Key Payment 2025 Dates
- July 11 – First instalment
- October 10 – Second instalment
- January 12, 2026 – Third instalment
If dates fall on holidays/weekends, moved to the preceding business day.
Maximize Your CWB Payment
- File 2024 taxes before Nov 1, 2025, with Schedule 6 completed .
- Enroll in DTC if you qualify—boosts amount.
- Keep direct deposit details updated on CRA My Account.
- Watch provincial variants—Quebec, Alberta, Nunavut offer higher caps.
July 11, 2025 brings the first Canada Workers Benefit advance instalment—up to $1,238.99 for eligible Quebec couples with the Disability Tax Credit.
With three automatic advance payments, CWB helps mitigate cost-of-living pressures for low-income workers nationwide.
To ensure you get your share, file your tax return on time, claim the DTC if eligible, and keep your bank information current. These instalments make work pay—and ease financial worry for millions of Canadians.
FAQs
How do I get this July 2025 CWB payment?
Simply file your 2024 tax return before Nov 1, 2025 with line 45300/Schedule 6 completed—payments are automatic .
Can both spouses receive the CWB?
Only one spouse receives the basic amount (usually the higher earner); each can get the disability supplement if eligible .
What if I don’t get the payment by July 11?
Wait 10 business days; if still unpaid, contact CRA for clarification .