Canada

Canada Workers Benefit December 2025: Final Payment Round Explained

December 2, 2025 - By littlemakerskpl

The Canada Workers Benefit (CWB) is one of the most important federal supports for low-income workers across Canada. As living costs continue rising, many Canadians relying on the CWB are looking forward to the final scheduled payment round in December 2025. Whether you are working part time, earning a low wage, supporting a family, or balancing disability-related costs, the December 2025 CWB advance payment may be a meaningful boost at the end of the year.

This guide provides a complete breakdown of the confirmed December 2025 CWB payment, including:

Payment date
Eligibility rules
How much you will receive
Disability supplement details
CRA direct deposit process
Changes expected for 2026

Everything is written in simple, clear language to help workers understand exactly what to expect.

⭐ What Is the Canada Workers Benefit (CWB)?

The CWB is a refundable federal tax credit designed to support:

Low-income workers
Part-time employees
Seasonal workers
Low-income families
Individuals with disabilities

It provides two components:

🔹 Basic Amount – for individuals and families with earned income

🔹 Disability Supplement – additional support for workers approved for the Disability Tax Credit (DTC)

The CWB is delivered through:

Annual tax return refund, and
Quarterly advance payments, issued automatically by CRA

The December 2025 payment is part of the advance structure, helping workers receive a portion of their CWB throughout the year rather than waiting until tax season.

⭐ Canada Workers Benefit December 2025 Payment Date

The CRA has confirmed:

✔ CWB December 2025 Payment Date: December 12, 2025

This is the final advance payment for the 2025 benefit year.

⭐ How CWB Advance Payments Work

CRA issues CWB advance payments quarterly:

July 2025
October 2025
January 2026
And the final round in December 2025

These early deposits represent up to 50% of your total CWB, with the remaining amount issued when you file your 2025 tax return in spring 2026.

If you qualified based on your 2024 tax return, you automatically qualify for 2025 advance payments.

⭐ Who Qualifies for the CWB December 2025 Payment?

Eligibility is based mainly on your 2024 tax return, since the CRA uses prior-year income to determine qualification.

You qualify if:

✔ You earned working income in 2024
✔ You were 19 years or older (or supporting a child/spouse)
✔ You are a Canadian resident for tax purposes
✔ Your income is within CWB limits
✔ You already received July or October 2025 CWB payments (automatic carryover)

You do NOT qualify if:

✘ You were a full-time student for over 13 weeks (unless supporting dependents)
✘ You were incarcerated for 90+ days
✘ You did not file your 2024 taxes
✘ Your income is above CWB thresholds
✘ You are a non-resident worker

⭐ Income Limits for CWB (2025 Benefit Year)

(Based on 2024 income used for eligibility)

Approximate thresholds:

Single Workers

Full benefit below $24,000 income
Phase-out until approx $33,000

Families

Full benefit below $37,000 family income
Phase-out until approx $43,000–$50,000 depending on province

Disability Supplement

Additional phase-out threshold up to $53,000+ for families
Higher income tolerance for disability recipients

Exact amounts vary slightly by province/territory.

⭐ How Much Will You Receive in December 2025?

The CWB December 2025 deposit is part of your advance payment, representing ¼ of the advance total.

Typical estimates:

Singles (no children):

$100–$225 depending on income

Families:

$150–$300

Persons with Disabilities (DTC approved):

Add $100–$200 extra for the disability supplement

Combined Family Disability Cases:

Households with two eligible adults may receive up to $400–$600 total for the quarter.

These amounts vary by province and by your adjusted net income.

⭐ What If You Did NOT Receive Previous CWB Payments?

You may still receive the December payment if:

Your July or October deposit was delayed
You recently updated banking info
CRA completed a review or verification
A tax reassessment changed your eligibility

If CRA added you mid-year, the December deposit may include retroactive adjustments.

⭐ How Will the December CWB Payment Arrive?

Payments are issued by direct deposit if you are enrolled with CRA; otherwise, a cheque is mailed.

Bank statements may show:

“Canada Fed Deposit”
“CWB ADVANCE”
“CWB PAYMENT”

CRA typically releases deposits early morning on the scheduled date.

Cheque payments may be delayed due to:

December holiday mail volume
Postal strikes or weather disruptions
Incorrect mailing address

Direct deposit is recommended for timely payments.

⭐ Do You Need to Apply for the December 2025 Payment?

✔ No — the payment is automatic.

If you qualified based on your 2024 tax return, CRA automatically adds you to the CWB advance program.

You only need to apply again if:

You begin claiming the Disability Tax Credit
You need to update your marital status
You experience a major change affecting dependents

Otherwise, the payment is delivered without any action needed.

⭐ CWB Disability Supplement — Who Qualifies?

You qualify for the disability supplement if:

You are eligible for the Disability Tax Credit (DTC)
You have earned income
You meet CWB income thresholds

2025 disability supplement amount:

Up to $800–$950 per year, depending on province

December advance deposit may include ¼ of the supplement.

⭐ Can CRA Withhold or Delay Your Payment?

Yes, your December 2025 CWB payment may be delayed if:

CRA is reviewing your tax return
Your direct deposit information changed
Your marital status remains unverified
You have unfiled previous-year taxes
CRA is validating dependents
There is an income reassessment

These delays can usually be resolved through CRA My Account or by calling CRA directly.

⭐ Will the CWB Amount Change in 2026?

CWB is indexed for inflation and may be updated in the 2026 federal budget.

Possible 2026 changes include:

✔ Higher CWB maximums
✔ Updated income thresholds
✔ Larger disability supplement
✔ Expanded eligibility for low-wage workers

These updates DO NOT affect the December 2025 payment, but they will influence your April 2026 tax refund and 2026 advance payments.

⭐ How to Maximize Your CWB Refund in 2026

Follow these tips to ensure you receive the highest benefit:

✔ File your 2025 tax return early

CWB is strictly tax-based.

✔ Claim the Disability Tax Credit if eligible

This increases your CWB significantly.

✔ Confirm dependents in CRA My Account

This increases your family benefit.

✔ Keep your marital status updated

CRA recalculates CWB based on household income.

✔ Use direct deposit for faster payments

Avoid December postal delays.

⭐ Final Summary — CWB December 2025 Payment

Here are the key points:

✔ Payment Date: December 12, 2025

✔ Automatic Deposit by CRA

✔ Based on your 2024 tax return

✔ Singles receive approx $100–$225

✔ Families receive approx $150–$300

✔ Disability supplement adds extra $100–$200

✔ No application required

✔ Final CWB advance payment of 2025

Meta Title

Canada Workers Benefit December 2025: Final Payment Explained

Meta Description

Get the full December 2025 CWB payment schedule. Learn eligibility rules, deposit dates, payment amounts, disability supplements, and how CRA calculates your final advance payment.

FAQs — Canada Workers Benefit December 2025

1. When is the December 2025 CWB payment?

The confirmed payment date is December 12, 2025.

2. Do I need to apply for the December CWB payment?

No. The deposit is automatic if you filed your 2024 taxes.

3. How much will I receive?

Most workers receive $100–$225, families $150–$300, and disability recipients up to $400 total.

4. What if my payment is delayed?

Delays may be caused by banking issues, CRA reviews, or outdated personal information.

5. Does CWB affect other benefits like CCB or GST/HST?

No. CWB does not reduce or impact any other federal or provincial benefits.