Are you a low- or moderate-income worker living in Canada? Then the Canada Workers Benefit (CWB) is something you absolutely shouldn’t ignore. In 2025, the benefit is increasing to a maximum of $5,712—and that’s huge!
But what exactly is the CWB? How do you qualify? How much can you actually get? And most importantly, how can you claim it without missing out?
Stick with me, and I’ll break everything down for you in plain English. Whether you’re a full-time employee, a part-timer, or self-employed, this article is your go-to guide for everything related to the Canada Workers Benefit in 2025.
Understanding the Canada Workers Benefit (CWB)
What Is the Canada Workers Benefit?
The Canada Workers Benefit (CWB) is a refundable tax credit offered by the federal government. It’s designed to support low-income and modest-income workers by giving them some extra cash through the tax system. Simply put—it helps you keep more of what you earn.
What’s New in 2025?
In 2025, the CWB is getting a significant boost, raising the maximum amount to $5,712. This means more money in your pocket if you qualify, thanks to enhancements by the federal government to combat rising living costs and support working Canadians.
Why Is This Important?
Rising Cost of Living
Let’s be real—everything’s getting more expensive. From rent to groceries to fuel, many Canadians are struggling to keep up. The increased CWB is like a helping hand reaching out when things feel tight.
Supporting Workers on the Edge
If you’re working but not earning a lot, the CWB is aimed at closing that income gap just a bit. It rewards work while recognizing that working low-wage jobs still doesn’t always cover the bills.
Who Can Get the $5,712 Canada Workers Benefit?
Basic Eligibility Criteria
Here’s what you need to qualify for the CWB in 2025:
- Be a resident of Canada throughout the year
- Be 19 years or older on December 31, 2025 (or live with a spouse or child)
- Have working income
- Not be a full-time student (unless you have an eligible dependant or spouse)
- Not be confined to a prison for 90+ days in the year
Income Limits and Thresholds
Let’s get into the numbers.
For single individuals, the benefit starts phasing out when your income goes above $24,975, and completely disappears around $33,015.
For families, the phase-out begins at $28,494, and ends around $43,212.
These numbers vary slightly depending on province and specific situations, but they give you a general idea of where you stand.
How Much Can You Receive in 202Maximum Basic Amounts
Here’s the juicy part.
- Single individual: Up to $2,616
- Families: Up to $3,984
Disability Supplement
If you or your spouse has a disability and qualify for the Disability Tax Credit, you can get an additional $1,728 each.
So, if you’re a family with both spouses eligible for the disability amount, your total CWB could hit $5,712.
Yes, that’s where the number comes from.
The Advanced Payments Option
What Are Advanced Payments?
Don’t want to wait until tax season to get your benefit? The Advance Canada Workers Benefit (ACWB) pays out half of your benefit in advance, split into quarterly payments.
How to Apply for Advance Payments
Just check the box on your tax return when you file in spring 2025. CRA will handle the rest, and you’ll start seeing payments throughout the year.
How to Claim the CWB
Through Your Tax Return
Claiming the CWB is simple. Just complete Schedule 6 on your personal income tax return.
If you use tax software, it usually does the math for you.
Important Filing Tips
- File your return on time
- Don’t forget your working income
- Report any disability amount if applicable
- Make sure your spouse (if applicable) also files
Common Mistakes to Avoid
Not Reporting All Income
Even if you’re self-employed or doing gig work, make sure to report your total working income. Underreporting can lower your benefit—or make you ineligible altogether.
Ignoring the Disability Supplement
If you’re eligible for the Disability Tax Credit (DTC) but haven’t applied, you might be leaving money on the table.
Can Students Get the Canada Workers Benefit?
The Short Answer
Not usually.
The Exceptions
If you’re a student but also:
- Have a child you support
- Or live with a spouse/common-law partner
Then you may still qualify.
What If You’re Self-Employed?
You’re Still Eligible
Yes, gig workers, freelancers, and small business owners can still qualify—as long as you have working income and meet the thresholds.
Just make sure your net business income is accurately reported when filing your return.
CWB Across Provinces
Provincial Variations
While the core benefit is federal, some provinces offer top-ups or adjust the thresholds slightly.
For example:
- Quebec administers its own version
- Alberta and British Columbia may provide enhanced supports
So be sure to check your provincial benefits as well.
How the CWB Compares to Other Benefits
GST/HST Credit
This is another refundable credit that helps low- and modest-income Canadians offset sales tax. You can get both the CWB and the GST/HST credit if eligible.
Canada Child Benefit (CCB)
If you have kids, the CCB supports you with monthly payments. Again, these can be stacked with the CWB.
Is the CWB Taxable?
Nope. The Canada Workers Benefit is not taxable income.
It’s a refundable credit, so you get it even if you owe no taxes, and it doesn’t count as income for other federal programs.
When Will You Receive the CWB?
If You Chose Lump Sum
You’ll receive it after you file your taxes—usually in April or May 2026.
If You Opted for Advance Payments
Expect quarterly deposits: likely in July, October, January, and April.
How the $5,712 CWB Could Help You
A Real-World Example
Let’s say you’re a single parent, earning $22,000 a year and have a disability.
- Basic CWB: $3,984
- Disability supplement: $1,728
- Total: $5,712
That’s nearly 26% of your annual income in extra support.
Imagine using that for groceries, rent, or savings.
The Bottom Line
The $5,712 Canada Workers Benefit in 2025 is a big deal—especially for those living paycheck to paycheck. Whether you’re working full-time, juggling multiple part-time jobs, or self-employed, this benefit was designed to lighten your load.
Don’t leave money on the table. Know your eligibility, apply correctly, and take advantage of advance payments if that works better for you.
Conclusion
In a world where every dollar counts, the enhanced Canada Workers Benefit for 2025 is a financial lifeline worth grabbing. It’s not just a tax break—it’s a reward for your hard work. With up to $5,712 up for grabs, now’s the time to get informed, get organized, and get what you’ve earned.
FAQs
1. Can I receive the CWB even if I don’t owe taxes?
Yes! The CWB is a refundable credit, which means you get it even if your tax owed is zero.
2. How do I know how much I’ll get?
Use the CRA’s online calculator or rely on your tax software—just enter your income and family details.
3. What if my income changes mid-year?
The benefit is based on your annual income. If your income drops or rises, it’ll impact your next year’s CWB when you file taxes.
4. Do I need to reapply every year?
No separate application is needed. Just file your taxes and complete Schedule 6 each year to be considered.
5. Is the disability supplement automatic?
Only if you or your spouse are approved for the Disability Tax Credit (DTC). Be sure to apply for the DTC first if you qualify.Tools