Canada’s $564.90 Workers Benefit Hits in January 2025—Are You Eligible for the Payout?
Canada’s $564.90 Workers Benefit Hits in January 2025: The Canada Workers Benefit (CWB) is back with its January 2025 advance payment, and many low-income workers across Canada are already seeing the $564.90 credit in their accounts. This refundable tax credit is one of the government’s strongest tools to support working Canadians with modest incomes. But how do you know if you’re eligible? And what steps should you take to make sure you receive your full benefit?
This comprehensive guide breaks down everything you need to know about the CWB in 2025—from eligibility criteria to how much you can get and when to expect your payments.
Canada’s $564.90 Workers Benefit Hits in January 2025
| Key Details | Information |
|---|---|
| Benefit Name | Canada Workers Benefit (CWB) |
| January 2025 Advance Payment | Up to $564.90 for singles |
| Annual Maximum Benefit | $1,590 (single), $2,739 (family) |
| Disability Supplement | Up to $821 extra for eligible recipients |
| Next Advance Payment Dates | July 11 & October 10, 2025 |
| Eligibility | Low-income working Canadians over 19 years old |
| Official Link | Canada.ca – CWB |
The Canada Workers Benefit (CWB) provides real, tangible support to low-income workers trying to get ahead. If you’re eligible, it’s crucial to file your taxes on time and complete Schedule 6 to maximize your benefits. With up to $1,590 available annually (plus a disability supplement if applicable), the CWB can offer a financial boost when it’s needed most.
What Is the Canada Workers Benefit (CWB)?
The CWB is a refundable tax credit offered by the Canadian government to help make life more affordable for low-income workers. It’s designed to provide extra money for people who are employed or self-employed but have modest earnings. Unlike other programs that pay out only at tax time, the CWB also provides advance payments three times a year, making it easier for people to manage their finances.
There are two parts to this benefit:
- The basic amount for eligible workers
- A disability supplement for those who qualify for the Disability Tax Credit
Who Is Eligible for the CWB in 2025?
To qualify for the CWB, you must meet the following criteria:
Age and Residency Requirements
- You must be at least 19 years old on December 31, 2024.
- You must be a resident of Canada throughout the year.
Income Thresholds
- Single individuals must have an adjusted net income below $36,749.
- Families must have an adjusted net income below $48,093.
Employment Requirements
- You must have working income from a job or self-employment.
Who Is Not Eligible?
You do not qualify if:
- You were enrolled as a full-time student for more than 13 weeks (unless you have a dependent).
- You were incarcerated for 90 days or more during the year.
- You are exempt from Canadian income tax, such as diplomats or other tax-exempt individuals.
Canada’s $564.90 Workers Benefit Hits in January 2025: How Much Can You Receive?
The CWB amounts vary depending on your income, family situation, and disability status.
Basic Maximum Annual Amount:
- Singles: Up to $1,590
- Families: Up to $2,739
Disability Supplement:
- Up to $821 extra for individuals who qualify for the Disability Tax Credit
The amount gradually reduces as your income increases beyond a set threshold.
When Will You Get Paid?
The CWB is distributed in three advance payments followed by a final payment after you file your taxes. Here’s the 2025 payment schedule:
Advance Payment Dates:
- January 10, 2025
- July 11, 2025
- October 10, 2025
Final Payment:
- Issued after you file your 2024 tax return and CRA calculates the remaining balance.
How to Apply for the CWB
You don’t need to fill out a separate application form to get the CWB. Here’s what you need to do:
Step-by-Step Guide:
- File your 2024 income tax return by the April 2025 deadline.
- Complete Schedule 6 in your tax return to calculate your eligibility.
- If you’re eligible based on last year’s income, advance payments are sent automatically.
If you’re claiming the disability supplement, make sure you are approved for the Disability Tax Credit (DTC).
Real-Life Example: How the CWB Helps
Let’s say Sarah is a single grocery store employee earning $28,000 per year. She qualifies for the basic CWB amount. Based on her income, she receives:
- $564.90 in January
- Similar amounts in July and October
- The remaining balance when she files her taxes
Totaling close to $1,590 annually, this extra money helps Sarah cover groceries, rent, and transit.
FAQs on Canada’s $564.90 Workers Benefit Hits in January 2025
1. Do I have to apply separately for the CWB each year? No. Just file your income tax return and complete Schedule 6. If eligible, the CRA calculates and sends payments.
2. Can students get the CWB? Only if they were not enrolled full-time for more than 13 weeks or have a dependent child.
3. What if my income changes mid-year? The CRA uses your previous year’s income for advance payments. Adjustments are made after you file your tax return.
4. How do I claim the disability supplement? You must be approved for the Disability Tax Credit and indicate your eligibility on your tax return.
5. Is the CWB taxable income? No. The CWB is a refundable tax credit and does not count as taxable income.
