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Starting July 2025, the Canada Workers Benefit (CWB) will transition to a quarterly advance payment schedule, offering timely financial relief to low-income workers.
This shift marks a significant improvement in how the CWB Advance (ACWB) supports Canadians throughout the year.
Previously received only at tax time, the CWB will now be paid in three installments: July 11, October 10, and January 12, 2026, easing cash-flow challenges for thousands of households.
What Is the Canada Workers Benefit?
The CWB is a refundable tax credit designed to supplement the income of low-income workers and families. It consists of:
- A basic benefit amount
- A disability supplement for recipients with the Disability Tax Credit (DTC)
In 2025, recipients can receive up to 50% of their total CWB across the three advance payments for both the basic and disability components .
Who Qualifies for the 2025 Advance Payments?
Eligibility for the ACWB is based on your 2024 tax return. To qualify for July 2025, applicants must meet these criteria:
| Eligibility Criteria | Requirement |
|---|---|
| Age & Residency | Canadian resident, 19+ or living with a spouse/common-law partner/child |
| Earned Income | Employment or self-employment income in 2024 |
| Income Limits (basic benefit) | Single: below $37,474; Family: below $49,391 |
| Disability Supplement | Must qualify for the DTC and fill Schedule 6 |
To be eligible, your 2024 tax return must be filed with line 45300 claimed, before November 1, 2024. No separate application is required—advance payments are automatic.
Estimated Quarterly Advance Payments for 2025
Below are Federal estimates for the advance payments:
| Household Type | Annual Max Benefit | Quarterly Payment (≈50%) |
|---|---|---|
| Single (no children) | $1,518 | $379.50 |
| Families (with children) | $2,616 | $654.00 |
| Disability Supplement | $843 total | + $210.75 |
Some provinces (Ontario, Quebec, Alberta, Nunavut) may have adjusted amounts based on regional thresholds.
Why Quarterly Advance Payments Matter
This change is significant because it helps smooth out cash flow, reduces financial stress, and prevents reliance on high-interest credit during lean periods.
By distributing income support more evenly, the ACWB helps working Canadians better manage living expenses like rent and utilities.
It’s particularly helpful for families navigating seasonal costs—such as back-to-school supplies or winter heating bills.
How to Prepare & What to Expect
To ensure timely advance payments:
- File your 2024 taxes on time, and complete Schedule 6.
- Confirm line 45300 is filled for CWB.
- Update CRA My Account with your banking, marital status, and dependent info.
- Expect payments via direct deposit or cheque on scheduled dates.
The upcoming scheduled payment dates are:
- July 11, 2025
- October 10, 2025
- January 12, 2026
If your advance isn’t received within 10 business days, contact the CRA.
The rollout of Canada Workers Benefit advance payments marks a pivotal move in Canada’s social support framework.
With the first installment arriving on July 11, 2025, eligible Canadians can secure critical financial support throughout the year—helping bridge the gap between pay periods and seasonal expenses.
Simply file your 2024 taxes, ensure CWB eligibility, and update your CRA account to benefit automatically.
FAQs
Who will receive the July 2025 payment automatically?
Anyone who qualified for the 2024 CWB and filed taxes with line 45300 by November 1, 2024, will receive the July advance.
Do I need to apply for the CWB advance payments separately?
No. Filing your tax return with Schedule 6 completes the application process—payments are automatically issued.
How much will I get in each quarterly payment?
You’ll receive approximately 50% of your total annual CWB, typically around $380 for singles and $654 for families, with additional disability supplements if eligible.