As of July 11, 2025, the Canada Revenue Agency (CRA) has started issuing advance payments for the Canada Workers Benefit (CWB) for the new benefit year. Eligible low-income workers could receive as much as $1,238.99, depending on their province, income, and household type.
With cost of living pressures mounting across the country, the CWB is a targeted financial relief program that helps working Canadians who earn modest incomes. The latest round of payments includes inflation-adjusted amounts, making this one of the most substantial CWB disbursements to date.
What Is the Canada Workers Benefit (CWB)?
The Canada Workers Benefit is a refundable tax credit designed to support low-income individuals and families who are actively employed or self-employed. It is available to those who meet certain income and residency requirements, and it has two components:
- Basic Amount – A fixed payment based on your earnings and household size
- Disability Supplement – An additional benefit for those approved under the Disability Tax Credit (DTC)
Starting in 2022, the government began issuing up to 50% of the annual benefit as advance payments. These are disbursed in three instalments each year—in July, October, and January—to ease financial strain throughout the year.
What’s New in July 2025?
The July 2025 advance payment reflects significant updates due to inflation indexing. This year, income thresholds and payment maximums have increased, especially in provinces with varying cost-of-living adjustments like Quebec, Alberta, and Nunavut.
Some eligible recipients could see up to $1,238.99 deposited directly into their accounts, depending on their region and eligibility for the disability supplement.
Regional Breakdown of CWB Advance Payments
Below is a snapshot of July 2025 CWB advance amounts, sorted by region and family composition.
| Region | Single (No DTC) | Family (No DTC) | Max Payment (With DTC x2) |
|---|---|---|---|
| Standard (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) |
Note: Final amounts depend on 2024 tax return data and whether you qualified for the Disability Tax Credit.
Who Is Eligible for the Canada Workers Benefit?
To receive the Canada Workers Benefit, you must meet specific income, age, and residency criteria. The CRA automatically calculates eligibility using your most recent tax return.
Eligibility Requirements:
- Must be a resident of Canada throughout 2024
- Be 19 years or older as of December 31, 2024 (or live with a spouse or child)
- Have employment or self-employment income
- File your 2024 tax return before November 1, 2025
If you meet the criteria, you’ll receive advance CWB payments without needing to apply separately.
Updated Income Thresholds for 2025
The amount you receive from the CWB gradually phases out as your income increases. Below are the 2025 phase-out ranges by region.
Income Phase-Out Ranges:
| Region | Singles | Families |
|---|---|---|
| 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 (no kids) |
If your income falls below the lower range, you may qualify for the full benefit. As income rises beyond the upper limit, the benefit amount is gradually reduced to zero.
Disability Supplement Phase-Out Limits
The Disability Supplement provides an additional amount for individuals approved under the Disability Tax Credit (DTC).
| Region | Singles (Ends At) | Families (Ends At) |
|---|---|---|
| Standard | $42,222 | $59,038 |
| Alberta | $42,305 | $59,865 |
| Nunavut | $73,195 | $80,777 |
| Quebec | $36,495 | $58,427 (no kids) |
To qualify for the supplement, you must first be approved for the DTC and meet the income criteria. The maximum supplement is added to your CWB total and may significantly boost your advance payments.
CRA Advance Payment Schedule for CWB
If you filed your 2024 taxes and met the CWB eligibility criteria, the first payment was issued on July 11, 2025. Additional instalments will follow on the following dates:
- October 2025
- January 2026
The remaining 50% of your CWB benefit will be issued as part of your 2025 income tax refund in the spring of 2026.
To receive your payment on time, ensure that your CRA My Account is updated with:
- Accurate banking details for direct deposit
- Correct mailing address
- Confirmation of DTC approval if applicable
Why the Canada Workers Benefit Matters in 2025
With housing, fuel, and food prices continuing to climb across the country, the Canada Workers Benefit is more than just a tax credit—it’s a crucial support measure.
Key Benefits of the CWB:
- Supports low-wage earners who are actively employed
- Helps offset the cost of living and inflation
- Offers a disability supplement for qualified individuals
- Delivered in advance payments three times a year
- Automatically calculated based on tax return data
Whether you’re single, married, or a parent, the CWB ensures that work continues to pay off for Canadians facing economic hardship.
FAQs: July 2025 CWB Advance Payment
Q1. When is the next Canada Workers Benefit payment?
The next advance payments are scheduled for October 2025 and January 2026.
Q2. Do I need to apply separately for the CWB?
No. The CRA will automatically calculate and issue payments based on your 2024 income tax return.
Q3. How do I qualify for the disability supplement?
You must be approved for the Disability Tax Credit (DTC) before you can receive the supplement.
Q4. What if I missed the July 11 payment?
If you file late or update your information after July 11, your payment may be delayed, but not lost. The CRA will process your payment once your tax return and eligibility are confirmed.
