The CWB disability supplement
The disability supplement is the second part of the CWB. It is claimed in Step 3 of Schedule 6 by a worker who is eligible for the Disability Tax Credit (DTC). It is added to the basic amount, and it has its own phase-in, maximum, and phase-out. You can receive both parts at the same time if you qualify for each one separately.
The 2025 disability supplement (CRA Schedule 6)
| Item | Rule |
|---|---|
| Maximum | $851.31 for each adult eligible for the DTC |
| DTC requirement | An approved DTC certificate (Form T2201) must be on file with the CRA |
| Working-income floor | Your own working income must be more than $1,200 |
| Phase-in | 40% of working income above $1,200 if you have no eligible spouse; 20% if you have an eligible spouse |
| Phase-out rate | 20% of adjusted family net income above the supplement threshold; 10% if your eligible spouse is also eligible for the DTC |
The supplement's phase-out thresholds are the same adjusted family net income limits that cap the basic amount: $33,230.35 (no spouse or dependant), $51,504.09 (spouse, no dependant), $24,561.56 (dependant, no spouse), and $41,048.90 (spouse and dependant). Above those points the supplement falls by 20 cents for each additional dollar of adjusted family net income, or by 10 cents if both spouses are DTC-eligible. That gives supplement cut-offs of $37,486.90 (no spouse or dependant), $55,760.64 (spouse, no dependant), $28,818.11 (dependant, no spouse), and $45,305.45 (spouse and dependant) — or $60,017.19 and $49,562.00 for the two spouse situations when both spouses are DTC-eligible.
Both spouses eligible
If you have an eligible spouse and you are both eligible for the DTC, only one of you can claim the basic CWB, but each of you must claim your own disability supplement on a separate Schedule 6. That is the one place where the CWB is claimed twice in a household, and it is easy to miss: a couple who file only one Schedule 6 will leave one supplement unclaimed. The 10% phase-out rate for two-DTC couples also means the supplement lasts to a higher income than it does for a one-DTC couple.
Worked example
Single worker, DTC-eligible, no spouse or dependant. Working income $5,000, adjusted family net income $34,000. Supplement phase-in: 40% of ($5,000 minus $1,200) = 40% of $3,800 = $1,520.00, capped at $851.31. Supplement phase-out: 20% of ($34,000 minus $33,230.35) = 20% of $769.65 = $153.93. Supplement: $851.31 minus $153.93 = $697.38, paid on top of whatever basic amount the same return produces. Note that the supplement's phase-in uses your own working income, not family working income, even when you have a spouse.