$1,238 Canada Workers Benefit Arrives in July 2025 – Find Out If You’re Eligible for the CRA Payment

$1,238 Canada Workers Benefit Arrives in July 2025 – Find Out If You’re Eligible for the CRA Payment

The Canada Workers Benefit is a refundable tax credit that provides financial assistance to working individuals and families with low or moderate incomes. It includes two key components:

  • Basic Amount – Based on earned income and household size.
  • Disability Supplement – An extra payment for those approved for the Disability Tax Credit (DTC).

Since 2022, up to 50% of the annual benefit has been issued in advance, paid in three instalments: July, October, and January. The remaining 50% is included in the annual tax refund.

July 2025 CWB Update Highlights

The July 2025 payment reflects indexed thresholds to accommodate inflation. Increased maximum benefit levels have been applied across various provinces, with Quebec, Alberta, and Nunavut seeing significant updates.

Those eligible may receive a direct deposit of up to $1,238.99, depending on their province and eligibility for the disability supplement.

Breakdown of CWB Advance Payments by Region

RegionSingle (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 payments are based on 2024 tax return data and DTC eligibility.

Eligibility Requirements for the CWB

To receive CWB payments, you must meet the following conditions:

  • Be a Canadian resident throughout 2024
  • Be 19 or older by December 31, 2024 (or live with a spouse or child)
  • Have employment or self-employment income
  • File your 2024 income tax return before November 1, 2025

If you qualify, the CRA automatically processes your payment—no separate application is needed.

Updated Income Thresholds for 2025

The CWB benefit amount gradually decreases as income rises. Below are the income phase-out ranges by region:

RegionSinglesFamilies
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)

Disability Supplement Phase-Out Thresholds

Those approved for the Disability Tax Credit may qualify for a supplement to boost their CWB benefit.

RegionSingles (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)

You must be DTC-approved and within the income limits to receive the supplement.

CRA CWB Advance Payment Schedule

If you qualified based on your 2024 tax return, your first payment was issued on July 11, 2025. Upcoming payment dates include:

  • October 2025
  • January 2026

The remaining 50% will be credited to your 2025 tax refund in spring 2026.

Ensure your CRA My Account is up to date with:

  • Correct banking details
  • Updated mailing address
  • DTC approval (if applicable)

Why the Canada Workers Benefit Is Vital in 2025

With ongoing increases in housing, fuel, and grocery prices, the Canada Workers Benefit is an essential support mechanism for many Canadians. More than a tax credit, it’s a lifeline for working-class individuals and families.

Key Benefits of the CWB:

  • Provides support for low-wage earners
  • Helps combat inflation and high living costs
  • Includes a disability top-up
  • Delivered in three annual instalments
  • Automatically assessed through tax returns

Conclusion

The Canada Workers Benefit continues to play a critical role in supporting low-income Canadians as economic challenges persist. With enhanced payment amounts, broader eligibility, and the inclusion of advance disbursements, CWB 2025 ensures that work remains worthwhile for thousands across the country. Make sure your tax return is filed and your CRA profile is current to receive the maximum benefit possible.

FAQs About the Canada Workers Benefit

What is the maximum CWB payment in July 2025?

Eligible individuals may receive up to $1,238.99 depending on their province, income, family size, and DTC status.

Do I need to apply separately for the CWB?

No. If you meet the eligibility criteria and file your 2024 tax return, the CRA automatically issues your CWB payments.

How many CWB advance payments are made each year?

The CRA disburses three advance payments annually—July, October, and January—followed by the remaining amount at tax time.

Can I get the Disability Supplement if I haven’t applied for the DTC?

No. You must first be approved under the Disability Tax Credit (DTC) to qualify for the CWB disability supplement.

What happens if I miss the November 1, 2025 tax filing deadline?

Missing the deadline may result in delayed or forfeited CWB payments. File your taxes on time to ensure eligibility.

Leave a Reply

Your email address will not be published. Required fields are marked *