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New Canada Workers Benefit Payment Arrives January 12, 2026: What You Need to Know

ICC Immigration Inc > Blogs > Announcement > New Canada Workers Benefit Payment Arrives January 12, 2026: What You Need to Know

Millions of lower-income workers in Canada will receive their first Advanced Canada Workers Benefit (ACWB) payment of 2026 on January 12. This advance payment, part of the Canada Workers Benefit (CWB) program, provides financial support to those earning low incomes, helping to supplement wages and improve household cash flow.

What is the Canada Workers Benefit (CWB) and ACWB?

The Canada Workers Benefit is a refundable tax credit designed to help workers who earn low incomes. Refundable means you may receive the benefit even if you owe little or no income tax.

The CWB has two components:

  1. Basic Amount – Paid to eligible workers and families based on income.

  2. Disability Supplement – Additional support for workers qualifying for the Disability Tax Credit.

The Advanced Canada Workers Benefit (ACWB) is simply the advance payment version of the CWB. Rather than waiting until tax filing, the CRA provides up to 50% of the estimated benefit in three installments during the benefit year: January 12, July 10, and October 9, 2026.

For some eligible couples, the January 12 ACWB deposit can reach up to $730, including disability supplements.

Who is Eligible for ACWB and CWB?

Eligibility depends on your income, residency, and age:

  • Must have working income below provincial/territorial thresholds.

  • Must be a resident of Canada for tax purposes throughout the year.

  • Must be 19 or older, or live with a spouse/common-law partner or child.

Exclusions include:

  • Full-time students (over 13 weeks) without eligible dependants.

  • Prisoners confined for 90+ days.

  • Diplomats or family members of foreign officers exempt from Canadian taxes.

Newcomers and temporary residents may also qualify if they meet all CRA requirements, including tax residency and working income. Many newcomers will become eligible after their first full-year residency period.

How Much Can You Receive in 2026?

The CWB amount varies based on income, family status, dependants, and province of residence:

  • Single individuals: Up to $1,633 (basic benefit)

  • Families: Up to $2,813 (basic benefit)

  • Disability supplement: Up to $843

ACWB advances up to 50% of your total estimated CWB and disability supplement. Each installment is approximately one-third of the total advance.

The CRA automatically calculates and deposits ACWB for eligible recipients—no separate application is required. To ensure eligibility, file your income tax return on time and complete Schedule 6.

Important Tips to Maximize Your ACWB

  1. File Early – Submit your tax return before November 1 to qualify for advance payments.

  2. Complete Schedule 6 – Ensure your software generates it; this step is required to claim the CWB.

  3. Report Working Income Correctly – Include employment, taxable scholarships, bursaries, and qualifying self-employment income.

  4. Meet Minimum Income Thresholds – Families must earn more than $3,000; secondary earner exemptions may also apply.

  5. Disability Tax Credit – If eligible, file T2201 with the CRA to receive the disability supplement.

  6. Keep CRA Records Updated – Direct deposit ensures faster payments; update banking information and addresses to avoid delays.

Why ACWB Matters

The Advanced Canada Workers Benefit provides critical support for low-income workers, especially during tight household budgets after the holidays. It ensures that eligible Canadians receive timely financial assistance without waiting for tax refunds.

With the next ACWB payment on July 10, 2026, workers and families should plan their finances accordingly and ensure their CRA filings are accurate.

How ICC Immigration Can Help You Secure Your Future in Canada

For newcomers, temporary residents, or those considering Permanent Residency (PR) in Canada, ICC Immigration provides guidance and support to maximize your financial and immigration opportunities.

Our services include:

  • Permanent Residency Applications: Through Express Entry, Provincial Nominee Programs (PNPs), or other pathways, we ensure your PR application is processed smoothly.

  • Work Permits & Study Permits: Explore temporary options to establish your career or education in Canada, eventually leading to PR.

  • Family Sponsorships: Reunite with loved ones while securing PR status.

  • Expert Legal Advice: Our team helps you navigate complex immigration policies, maximizing your chances of success.

Instead of relying on uncertain asylum routes, choose a stable, legal pathway for a secure future. ICC Immigration guides you through every step of the process, ensuring your transition to Canada is smooth and stress-free.

Key Takeaways

  • January 12, 2026 marks the first ACWB payment for eligible Canadian workers.

  • Payments are automatic once the CRA assesses your eligibility through tax filings.

  • Maximum benefits: $1,633 for singles, $2,813 for families, plus up to $843 disability supplement.

  • Next payments: July 10 and October 9, 2026.

  • File income tax and Schedule 6 on time to ensure you receive full advance payments.