The Canada Disability Benefit (CDB) is a federal benefit intended for working-age persons living with a disability. Its purpose is to address the disproportionate level of poverty experienced by persons with disabilities and to improve their financial security.
What is the amount of the benefit?
The maximum amount of the benefit is of $2,400 per year, or $200 per month
Who is eligible?
- be between 18 to 64 years old
- have qualified for the Disability Tax Credit (DTC)
- have filed your 2024 income tax return
When to apply?
Starting June 20, you can submit your application. Benefits will begin in July 2025
You can apply for the Canada Disability Benefit using the following link.
Finandicap offers
► Support to obtain the DTC
► Assistance in obtaining your CDB
► Referral to professionals for tailored tax services
Everything you need to know about the Canada Disability Benefit
► Apply to receive the CDB
f you submit your application by June 30, you will receive your first monthly CDB payment on July 18. If, for any reason, you are unable to apply by June 30, there is no need to worry—a retroactive payment will still be possible.
► Where to apply
You can apply on the Government of Canada website, by phone, or in person at a Service Canada office.
https://www.canada.ca/en/services/benefits/disability/canada-disability-benefit/
The application form will be available on this page starting June 20.
► Who is eligible?
To be eligible for the CDB, you must:
- be between 18 and 64 years old
- have qualified for the Disability Tax Credit (DTC)
- have filed your 2024 income tax return
- meet the other eligibility criteria for the CDB (such as having an income below $23,000 for a single person, or a family income of $32,500 or less for a couple. The benefit is reduced by $0.25 for every dollar of income above this amount)
If you are likely eligible for the CDB (you qualify for the DTC and meet most of the criteria), you should receive a letter in June containing a unique application code. This code will give you access to a faster online or phone application process. Haven’t received a letter but think you’re eligible? You can still apply using the standard process.
► Before applying, make sure you have the following information on hand:
- Social insurance number (SIN)
- Direct deposit information: Service Canada asks all future recipients to sign up for direct deposit because it is the fastest and most secure way to receive payments.
► Highlights of the CDB:
- The benefit can be up to $200 per month (or $2,400 per year), depending on your income and that of your spouse or common-law partner.
- The CDB amount estimator allows you to determine how much you could receive.
- If you are eligible for the CDB but do not apply right away, you can receive retroactive payments for up to 24 months (starting from July 2025).
- Apply before the 30th of each month to receive your first CDB payment the following month. Payments will continue as long as you remain eligible for the CDB.
► Do you need help applying for the CDB or the DTC, or filing a tax return? Finandicap is here for you.
Finandicap offers you a support group for obtaining the DTC, which can also assist you with the CDB.
If you are a Finandicap client, don’t hesitate to contact your representative or advisor for more information.
Mireille Zavaro
Mireille is a registered representative with MICA Capital Inc. and works at Finandicap. She lives with a disability, but that has never stopped her from managing her sister’s finances. With her, you will be advised as if you were a member of the family.