If you’re a low-income worker in Canada, mark your calendar for July 23, 2025—that’s when the third and final advance payment of $566 under the Canada Workers Benefit (CWB) will be issued. This program is one of the federal government’s primary ways to support Canadians who earn modest incomes but still struggle with daily expenses like food, rent, transportation, and utility bills.
In this guide, we explain everything you need to know about the CWB advance payment system, including eligibility, amounts, application steps, and why it matters in today’s economy.
What Is the Canada Workers Benefit?
The Canada Workers Benefit (CWB) is a refundable tax credit designed to supplement the incomes of working Canadians who fall within low- to modest-income brackets. Unlike most tax credits that only reduce what you owe, the CWB provides real cash support, even if you pay no income tax.
This benefit is available either as:
- A lump sum at tax time
- Or advance payments delivered in installments during the year
The July 23, 2025 installment is the final advance payment for the 2024 tax year. If you’re enrolled for advance payments, it’s a mid-year financial boost that can ease pressure before the next tax season.
Snapshot: CWB Advance Payment Details
| Feature | Details |
|---|---|
| Payment Date | July 23, 2025 (third and final installment) |
| Payment Amount | $566 |
| Annual Max (Singles) | Up to $1,633 |
| Annual Max (Families) | Up to $2,813 |
| Disability Supplement | Up to $843 extra |
| Eligibility Age | 19+, or must live with spouse/dependents |
| Application Form | RC201 for advance payments |
| Payment Method | Direct deposit or cheque |
| Administered By | Canada Revenue Agency (CRA) |
Why the CWB Matters for Working Canadians
The CWB is more than a tax credit—it’s a practical support tool for those working hard but earning just enough to get by.
It helps:
- Cover basic living expenses without relying on credit
- Encourage employment and workforce participation
- Support workers year-round, not just at tax time
With inflation pushing up prices on food, rent, and gas, this $566 advance can make a real difference in managing mid-year bills.
Who Qualifies for the $566 Advance Payment?
To receive the July 23, 2025 CWB payment, you must meet the following criteria:
Basic Eligibility:
- Be a Canadian resident for all of 2024
- Be 19 years or older by December 31, 2024, or
- Live with a spouse, common-law partner, or dependent child
Income Requirements (2024 Tax Year):
- Singles: Annual working income up to $26,855
- Families: Combined income up to $30,639
You may still qualify for partial benefits if your income slightly exceeds these thresholds.
You Are Not Eligible If:
- You were a full-time student for more than 13 weeks in 2024 (unless you had dependents)
- You were incarcerated for 90 days or more during 2024
- You did not file your 2024 tax return
Meeting both the income and residency conditions is essential to receive your CWB advance payment.
How Much Can You Receive?
Your CWB amount is based on your income, family situation, and disability status.
| Category | Annual Maximum Benefit |
|---|---|
| Single (no dependents) | Up to $1,633 |
| Families | Up to $2,813 |
| Disability Supplement | Up to $843 extra |
The July 23 payment of $566 is part of a three-part advance that totals up to 50% of your estimated annual entitlement.
If you didn’t apply for advance payments, you’ll receive the entire benefit as a lump sum during tax time in 2025.
CWB Advance Payment Schedule for 2024 Tax Year
| Installment Number | Payment Date |
|---|---|
| First | July 11, 2024 |
| Second | October 10, 2024 |
| Third | July 23, 2025 |
These advance installments help spread the benefit across the year—ideal for those who need income support throughout the calendar year, not just at tax filing time.
What About the Disability Supplement?
If you’re eligible for the Disability Tax Credit (DTC), you could receive an additional $843 through the CWB Disability Supplement.
To qualify, you must:
- Be eligible for the DTC
- Meet all general CWB criteria
- File your 2024 tax return
This amount is added on top of your base CWB payment and is also subject to income phase-outs.
How to Apply for CWB and Advance Payments
1. File Your Tax Return
You must file your 2024 tax return to qualify for any part of the CWB, even if your tax owed is zero.
2. Apply for Advance Payments
If you want to receive installments like the $566 July payment, you must:
- Complete Form RC201 – Canada Workers Benefit Advance Payments Application
- Submit it online via CRA My Account, or
- Mail it to the CRA
3. Keep Your Information Current
Update the CRA immediately if your:
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- Income changes significantly
- Marital status changes
- Residency status changes
This helps avoid overpayments, delays, or penalties.
Frequently Asked Questions (FAQs)
Q1. How much is the July 23, 2025 CWB payment?
Eligible recipients will receive $566 as the third advance for the 2024 benefit year.
Q2. Do I need to apply for the $566 payment?
Yes. You must have submitted Form RC201 to receive advance payments.
Q3. What is the income limit to qualify?
- Singles: Up to $26,855
- Families: Up to $30,639
Q4. What if I didn’t apply for advance payments?
You’ll receive the full CWB amount during tax season in 2025, as a lump sum.
Q5. Is the disability supplement automatic?
Only if you’re eligible for the DTC and meet all standard CWB criteria. It provides up to $843 extra.
