If you’re a low-income worker in Canada, mark your calendar for July 23, 2025—that’s when the Canada Workers Benefit (CWB) advance payment of $566 will be deposited into the bank accounts of eligible recipients. This refundable tax credit is one of the federal government’s main ways to support Canadians who work but still struggle to afford basic living costs like groceries, rent, and transportation.
This article explains the eligibility rules, payment schedule, how much you can receive, and how to apply or update your details to ensure you get every dollar you’re entitled to.
What Is the Canada Workers Benefit (CWB)?
The Canada Workers Benefit is a refundable tax credit provided by the Canada Revenue Agency (CRA) to support working individuals and families with modest incomes.
Unlike traditional tax credits that only reduce how much you owe, the CWB can put real money in your pocket, even if you don’t owe any taxes. You can choose to receive it as a lump sum at tax time or in three advance payments throughout the year.
The upcoming July 23, 2025 payment is the third and final installment for the 2024 tax year.
Quick Overview: Key CWB Details for 2025
| Feature | Details |
|---|---|
| Next Payment Date | July 23, 2025 |
| Payment Amount | $566 |
| Annual Maximum (Single) | $1,633 |
| Annual Maximum (Family) | $2,813 |
| Disability Supplement | Up to $843 extra if eligible |
| Eligibility Age | 19+ or living with a spouse/dependents |
| Application Required? | Yes—for advance payments (Form RC201) |
| Payment Method | Direct deposit or cheque |
| Administered By | Canada Revenue Agency (CRA) |
Why the CWB Is Important
This benefit is designed to reward people who are working but not earning enough to comfortably cover daily expenses. It’s meant to:
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- Help pay for essentials like food, rent, and transportation
- Provide financial relief outside of tax season
- Encourage workforce participation
Advance payments like the $566 on July 23, 2025, offer mid-year financial help exactly when many Canadians need it most.
Who Is Eligible for the $566 CWB Payment?
To qualify for the July 2025 advance payment, you must:
- Be a Canadian resident for the entire year
- Be at least 19 years old by December 31, 2024,
OR live with a spouse, common-law partner, or dependent child - Have working income (not just investment or passive income)
- Fall within the income limits for singles or families
CWB Income Thresholds for 2024:
| Status | Income Limit |
|---|---|
| Single | Up to $26,855 |
| Family | Up to $30,639 |
Even if your income is slightly above the limits, you may still qualify for a reduced amount.
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You Are NOT Eligible If:
- You were a full-time student for more than 13 weeks in 2024 (unless you had dependents)
- You were in prison for 90+ days during 2024
- You didn’t file your 2024 tax return
How Much Can You Receive in Total?
Your total benefit for the 2024 tax year (paid during 2025) depends on your situation:
| Category | Annual Maximum |
|---|---|
| Single (no dependents) | $1,633 |
| Families | $2,813 |
| Disability Supplement | Up to $843 |
The $566 payment on July 23, 2025 is an advance—up to 50% of your total annual benefit is paid in three installments throughout the year.
If you didn’t apply for advance payments, you will receive the full amount when you file your taxes in 2025.
Advance Payment Schedule for 2024 Benefit Year
Here’s the full CWB advance payment calendar based on your 2024 tax return:
| Installment | Payment Date |
|---|---|
| First | July 11, 2024 |
| Second | October 10, 2024 |
| Third | July 23, 2025 |
These dates can help you plan ahead and manage your budget
The Disability Supplement: An Extra Boost
If you have a disability and are eligible for the Disability Tax Credit (DTC), you may also receive a supplemental CWB payment of up to $843.
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Requirements for the Supplement:
- You must be eligible for the DTC
- You must meet all other basic CWB eligibility criteria
- Your income must still fall within qualifying limits
This amount is added to your regular CWB payment and calculated similarly—it gradually phases out as your income rises.
How to Apply for Advance CWB Payments
To get advance payments like the July 23, 2025 installment, you must:
- File your 2024 income tax return
- Even if you owe no tax, filing is mandatory
- Submit Form RC201
- This is the “Canada Workers Benefit Advance Payments Application”
- You can apply:
- Online via CRA My Account
- Or by mail to the CRA
You only need to submit one application per year, and once approved, you’ll automatically receive all three installments.
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Keep Your Personal Info Updated
Changes to your income, marital status, residency, or dependents may affect your eligibility. Be sure to:
- Log in to your CRA My Account
- Update your details promptly
- Avoid overpayments or delays
CRA may adjust or pause your payments if your situation changes and you don’t inform them.
Why the Canada Workers Benefit Makes a Difference
The CWB is more than just a tax credit—it’s a lifeline for working Canadians earning modest incomes. It helps people:
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- Stay in the workforce
- Pay for essentials without taking on debt
- Receive regular, direct support throughout the year
The $566 payment in July 2025 could help with anything from catching up on rent to buying groceries or covering unexpected bills
