Are you a hardworking Canadian trying to stretch every dollar? If so, here’s some good news for your wallet: The $1,590 Canada Workers Benefit (CWB) is coming in 2025, and it’s designed to help low-income workers like you get ahead. Whether you’re working part-time, full-time, or juggling gig jobs, this government program could put extra cash in your pocket when you need it most.
Let’s break it down in plain English. This article is your complete guide to understanding the CWB: who qualifies, how much you can get, how and when you’ll receive it, and how to make sure you don’t miss out. We’ll also go over tips, examples, expert insights, and FAQs to help you feel confident and ready.
$1590 Canada Workers Benefit Coming in 2025
| Feature | Details |
|---|---|
| Maximum Benefit | $1,590 (single); $2,739 (family); Additional $821 per eligible disabled adult |
| Eligibility | Age 19+, low working income, not a full-time student, must file 2024 tax return |
| Advance Payments | Up to 50% split over 3 payments in July, October 2025, and January 2026 |
| Phase-Out Thresholds | $26,149 (single), $29,833 (family); Benefits fully phase out at $36,749 (single) and $48,093 (family) |
| Official Website | Canada Workers Benefit – Government of Canada |
The $1,590 Canada Workers Benefit in 2025 is a game-changer for working Canadians. It’s more than just a tax break—it’s an investment in your effort and stability. Whether you’re stocking shelves, cleaning buildings, delivering food, or hustling through side gigs, this benefit is designed to reward your hustle.
Make sure you:
- File your 2024 tax return
- Claim the CWB on Schedule 6
- Opt in for advance payments
- Keep your CRA info up to date
- Use direct deposit for faster access
What Is the Canada Workers Benefit (CWB)?
The Canada Workers Benefit (CWB) is a refundable tax credit meant to support low-income workers by reducing the taxes they owe and even putting cash back in their hands. It’s like a bonus from the government just for working hard.
CWB comes in two parts:
- Basic Amount: Up to $1,590 for individuals, or $2,739 for families.
- Disability Supplement: Adds $821 more per adult if you qualify.
It’s been around since 2007, but starting in 2025, this benefit will be paid out in advance three times a year — giving workers faster access to their money when they need it most.
Who Qualifies for the CWB in 2025?
To be eligible, you need to check off a few boxes:
Basic Eligibility
- Be 19 years old or older by December 31, 2024 (unless you live with a spouse or a child).
- Be a Canadian resident for the full year.
- Have earned working income below certain thresholds.
- Not be a full-time student for more than 13 weeks unless you have dependents.
- Not be in prison for 90+ days in the year.
Disability Supplement
To qualify for the extra $821:
- You must be eligible for the Disability Tax Credit (DTC) and have a valid Form T2201 on file with the CRA.
How Much Can You Receive?
Let’s run the numbers. Here’s what you could receive if you qualify for the full benefit:
| Category | Maximum Amount |
| Single Adult | $1,590 |
| Family (couple or with children) | $2,739 |
| Disability Supplement (each eligible adult) | $821 |
Keep in mind, the amount you receive phases out as your income rises:
- Singles: Benefit begins to phase out once income hits $26,149, and disappears at $36,749.
- Families: Benefit starts phasing out at $29,833 and ends at $48,093.
When Do You Get Paid?
In 2025, the CRA will offer Advanced CWB Payments so you don’t have to wait until tax season to get your money. You’ll receive half of your annual benefit across three quarterly payments:
- July 11, 2025
- October 10, 2025
- January 12, 2026
For example, if you’re eligible for the full $1,590 as a single person, you’d receive about $265 per payment. For a family with two qualifying adults and the disability supplement, this could be over $1,300 per quarter.
How to Apply and Get Your Money
Great news: You don’t need to fill out a special application to get the CWB. But you do need to:
1. File Your 2024 Tax Return
Make sure you file your taxes on time — by April 30, 2025. The CRA uses this return to calculate your benefit.
2. Complete Schedule 6
This is where you report your working income and claim the CWB. It’s part of your regular tax return.
3. Check Line 45300
This line is for requesting advance payments. Tick the box to get your benefits early.
Don’t forget, you need to keep your info up to date with CRA (address, marital status, income) to avoid payment delays.
4. Set Up Direct Deposit
Want your money faster? Set up direct deposit through CRA My Account to avoid paper checks.
Practical Examples
Let’s look at a couple of real-life scenarios:
Example 1: Maria, 25, Grocery Store Worker
Maria earns $21,000/year and lives alone. She’s not a student and files her taxes on time.
- Benefit: Full $1,590
- Advance Payments: ~$265 each quarter
Example 2: Jake & Leanne, Parents with a Child
Combined income: $28,000. Leanne is approved for the Disability Tax Credit.
- Benefit: $2,739 (family) + $821 (disability) = $3,560
- Advance Payments: ~$593 per quarter
Expert Tips to Maximize Your Benefit
- Double-check your tax return: Use a certified tax professional or trusted software.
- Apply for the Disability Tax Credit early if you have a qualifying condition.
- Report all working income (including gig or self-employment) to maximize your claim.
- Use CRA My Account to monitor your benefit status and make updates.
- Watch out for scams: CRA never asks for banking info by text or email.
CWB 2025: Single vs. Family Eligibility at a Glance
The amount you receive depends on your income and whether you are applying as a single individual or a family. Here’s a simple breakdown:
| Feature | Single Individual | Family |
| Maximum Basic Benefit | Up to $1590 | Up to $2750 |
| Who It’s For | A single person without an eligible dependent. | You have a spouse, common-law partner, or an eligible dependent. |
| What To Do | File your tax return and claim the CWB. | Only one person in the family can claim the CWB for the entire family. |
Why This Matters
Inflation, rising rents, and cost of living are squeezing everyone. The CWB acts like a safety net for Canadians who work hard but earn modestly. By giving people cash throughout the year, the government hopes to reduce financial stress and promote long-term work participation.
It’s not just a handout—it’s a boost for folks doing their part.
According to Statistics Canada, over 3.2 million Canadians could benefit from this credit. That’s a significant population segment getting meaningful financial relief.
FAQs
1. Is the CWB taxable income?
Nope! The benefit is tax-free and doesn’t affect your other federal benefits.
2. What if I don’t file my taxes?
No tax return = no benefit. You must file to be eligible.
3. What if I get a raise mid-year?
You won’t need to repay the advance unless your income drastically changes. CRA will adjust your payment at tax time.
4. Can students apply?
Only if you’re not enrolled full-time for more than 13 weeks unless you support a child or spouse.
5. Where can I get help?
Check out the CRA’s official CWB page or call 1-800-959-8281.
6. Can I still qualify if I have gig income from Uber, DoorDash, etc.?
Yes! As long as it’s reported on your tax return as working income, it counts.
