Unlocking the Canada Disability Benefit

Imagine receiving an extra $200 each month—$2,400 a year—just for meeting eligibility for a new federal benefit. For many Canadians living with disabilities, that extra income can cover groceries, medical expenses, or unexpected bills. But who qualifies, how much can you get, and what steps do you need to take?

Who Is Eligible?

To qualify for the Canada Disability Benefit (CDB):

• You must be 18 to 64 years old (applications open at 17½ and end in the month you turn 65)

• You need approval for the Disability Tax Credit (DTC) from the CRA

• You and your spouse/common-law partner (if applicable) must have filed your 2024 income tax return

• You must be a Canadian resident for tax purposes, and a citizen, permanent resident, First Nations person, protected person, or temporary resident in Canada for at least 18 months

How Much Could You Receive?

The maximum benefit is $2,400 per year, or $200/month, running from July 2025 to June 2026. Payments will be adjusted for inflation in future years.

However, this benefit is income-tested:

• Single individuals whose adjusted family net income (after subtracting up to $10,000 in working income) is $23,000 or less receive the full $200/month. For each dollar over, your benefit drops by $0.20.

• Couples (one or both eligible) with combined net income (minus up to $14,000 working income) of $32,500 or less get the full benefit. Over that, it’s reduced by $0.20 per dollar.

• If both partners are eligible, the reduction is shared—each loses $0.10 per dollar over the threshold.

Estimation examples

• Jane earns no income other than provincial assistance; she qualifies for the full $200/month.

• Dan earns $35,000: after $10,000 exemption, $2,000 is above the threshold ⇒ benefit reduced by $400/year ⇒ $166.67/month.

• Sam and Rupinder have $45,000 combined income; after $14,000 exemption it’s $31,000 ≤ threshold ⇒ full benefit $200/month.

How to Apply & What You’ll Need:

• Applications open June 20, 2025, via My Service Canada Account, phone, mail, or in person.

• To receive payments starting July 2025, apply by June 30, 2025.

• First month of eligibility is June 2025, with back payments if applications are approved afterward (up to 24 months, but no earlier than July 2025).

• Expect application processing to take up to 28 days.

You’ll need these documents:

• Your DTC approval confirmation

• Completed 2024 tax return(s) for you and your spouse or partner

• Proof of age and Canadian residency/citizenship

• Income information, including working income details

Make sure your banking details and address are up to date with CRA and Service Canada.

What You Should Do Now

• If you haven’t applied for the Disability Tax Credit, do so now—it’s required and can take time.

• File your 2024 tax return early and correctly to avoid delays.

• Gather documents and confirm your contact and banking info in your CRA and Service Canada profiles.

The Canada Disability Benefit offers up to $200 per month to eligible working-age Canadians with disabilities, offering modest but meaningful support. Eligibility depends on your DTC status, income, and timely tax filing. Prepare now—especially by getting your DTC certificate and filing taxes—to position yourself for full benefits beginning July 2025.

Disclaimer: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Always consult a qualified professional regarding your specific situation. We are not responsible for any actions taken based on this content.

Sources:

Canada Disability Benefit – Government of Canada – https://www.canada.ca/en/services/benefits/disability/canada-disability-benefit.html

Canada Disability Benefit Amounts – Government of Canada – https://www.canada.ca/en/services/benefits/disability/canada-disability-benefit/amount.html