The Government of Canada is set to roll out Advanced Canada Workers Benefit (ACWB) payments in 2025, providing financial relief to low-income workers throughout the year. If you qualify, you won’t have to wait until tax season to receive your benefits – the payments will be distributed in advance, helping eligible Canadians manage their expenses better.
What Is the Canada Workers Benefit (CWB)?
The CWB is a refundable tax credit designed to support low-income workers and encourage workforce participation. It consists of two parts:
- Basic Amount – A financial boost for eligible individuals and families.
- Disability Supplement – Additional assistance for workers with disabilities.
Who Qualifies for the 2025 CWB Payments?
To be eligible for the benefit, you must meet the following criteria:
- Be a resident of Canada for the entire year.
- Be at least 19 years old by December 31, 2025, or live with a spouse, common-law partner, or dependent child.
- Have earned a working income but remain under the income limits set for your province or territory.
Who Is NOT Eligible?
You won’t qualify if:
- You were a full-time student for more than 13 weeks in 2025 without an eligible dependent.
- You were incarcerated for 90 days or more during the year.
- You are exempt from paying taxes in Canada, such as diplomats and their families.
When Will You Get Paid in 2025?
Instead of receiving one lump sum at tax time, eligible Canadians will get up to 50% of their estimated CWB payments in advance. Here’s when you can expect them:
- First Payment – January 10, 2025
- Second Payment – July 11, 2025
- Third Payment – October 10, 2025
These payments will be based on your previous year’s tax return, so make sure to file your taxes on time to ensure you receive your benefit.
How Much Money Can You Get?
The amount you receive depends on your income, family status, and disability eligibility. Here’s a breakdown of the maximum benefits for 2025:
- Single Individuals – Up to $1,518 (phased out if income exceeds $24,975).
- Families – Up to $2,616 (phased out if income exceeds $28,494).
- Disability Supplement – Up to $784 for eligible individuals.
If your income exceeds the limits, your payment will gradually decrease and eventually phase out.
How to Apply?
You don’t need to apply separately for advance payments. As long as you file your income tax return before November 1, 2025, the CRA will automatically assess your eligibility. To claim the disability supplement, ensure you have an approved Disability Tax Credit Certificate (Form T2201) on file with the CRA.
Final Thoughts
The Advanced Canada Workers Benefit is a game-changer for low-income workers, providing much-needed financial support throughout the year. If you want to receive these payments in 2025, file your taxes on time and stay updated with CRA notifications.
With rising living costs, every dollar counts – so don’t miss out on this opportunity!
