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How much you could receive

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Benefit amounts

Benefit amounts are based on your adjusted family net income.

Your adjusted family net income is:

Benefit amounts for the July 2025 to June 2026 payment period will be calculated using your adjusted family net income for the 2024 tax year. To be eligible for the benefit, both you and your spouse or common-law partner (if applicable) must have filed your 2024 federal income tax return.

Maximum benefit you could receive

The maximum amount you could receive from July 2025 to June 2026 is $2,400 ($200 per month). This amount will be adjusted for inflation each year to reflect changes in the cost of living. Your benefit payment will not decrease if the cost of living goes down.

When you apply for the Canada Disability Benefit, you may get back payments for up to 24 months from when we get your application, but not for any previous months of eligibility prior to June 2025.

How income affects your benefit amount

The Canada Disability Benefit is an income-tested benefit, which means the benefit amount will start to decrease after your adjusted family net income reaches a certain threshold. If your adjusted family net income is considerably above that threshold, your benefit amount will be $0.

How your income affects your benefit amount depends on 3 factors:

Working income exemption

A certain amount of income from employment, self-employment and taxable scholarships is excluded when calculating your benefit amount. This is called the working income exemption.

If you are single, up to $10,000 of working income will be exempt when calculating your benefit. If you have a spouse or common-law partner, up to $14,000 of combined working income will be exempt.

Earning more than the working income exemption does not necessarily mean that your benefit amount will be reduced.

Estimate your benefit amount

Use the estimator to find out how much money you could get from the Canada Disability Benefits. To get an accurate estimate, start with your and your spouse's or common law partner, if applicable, most recent notice of assessment to input the exact numbers from various lines in the assessment.

Estimate your benefit amount

This tool is an estimate only and doesn't guarantee you will receive the exact amount estimated.

If you are single, separated, divorced or widowed

You will receive the maximum benefit amount if, after subtracting up to $10,000 of working income (if applicable), your adjusted family net income is $23,000 or less. For every dollar of income that's over this threshold, your benefit will be reduced by 20 cents (20%).

You can calculate your monthly benefit amount with the following steps:

  1. take your adjusted family net income
  2. subtract the amount of your working income, if any, up to $10,000
  3. subtract $23,000 (if the result is 0 or less, you will receive the maximum benefit amount; if the result is greater than 0, continue to the next step)
  4. multiply the resulting amount by 0.20 (20%)
  5. subtract that amount from $2,400
  6. divide that amount by 12

Example 1

Income details

Jane receives $16,000 a year in provincial social assistance and has no other income. Her adjusted family net income is $16,000.

Benefit calculation

Because Jane's income is below the singles threshold of $23,000, she receives the full benefit.

Payment

Jane receives $200 a month as her benefit amount.

Example 2

Income details

Dan earns $35,000 a year in employment income and has no other income. His adjusted family net income is $35,000.

Benefit calculation
  • Because Dan earns more than $10,000 from work, he can use the full working income exemption for singles ($10,000)
  • Only $25,000 of his income is considered for the benefit calculation ($35,000 - $10,000)
  • Dan's income after subtracting the working income exemption is $2,000 over the singles threshold of $23,000 ($25,000 - $23,000)
  • His benefit is reduced by $400 a year ($2,000 x 0.20)
Payment

Dan receives $166.67 a month as his benefit amount [($2,400 - $400) ÷ 12].

If you have a spouse or common-law partner who is not eligible for the Canada Disability Benefit

You will receive the maximum benefit amount if, after subtracting up to $14,000 of combined working income (if applicable), your adjusted family net income is $32,500 or less. For every dollar of income that's over this threshold, your benefit will be reduced by 20 cents (20%).

You can calculate your monthly benefit amount with the following steps:

  1. take your adjusted family net income
  2. subtract the combined amount of your and your spouse or common-law partner's working income, if any, up to $14,000
  3. subtract $32,500 (if the result is 0 of less, you will receive the maximum benefit amount; if the result is greater than 0, continue to the next step)
  4. multiply the resulting amount by 0.20 (20%)
  5. subtract that amount from $2,400
  6. divide that amount by 12

Example

Rupinder and Sam live together with their young daughter. Sam is eligible for the Canada Disability Benefit while Rupinder is not.

Income details
  • Rupinder earns $45,000 a year from her job
  • The family receives $8,000 from the Canada Child Benefit, which is not included in the couple's adjusted family net income
  • Sam's adjusted family net income is therefore $45,000
Benefit calculation
  • Even though Rupinder is not eligible for the Canada Disability Benefit, the working income exemption for couples ($14,000) is applied to her earnings
  • Only $31,000 of income is taken into consideration for the calculation of Sam's benefit ($45,000 - $14,000)
  • Because the couple's income after subtracting the working income exemption is under the couple threshold of $32,500, Sam receives the full benefit
Payment

Sam receives $200 a month as his benefit amount.

If you have a spouse or common-law partner and you are both eligible for the Canada Disability Benefit

You will receive the maximum benefit amount if, after subtracting up to $14,000 of combined working income (if applicable), your adjusted family net income is $32,500 or less. For every dollar of income that's over this threshold, your benefit and your spouse or common-law partner's benefit will each be reduced by 10 cents (10%).

You can calculate each of your monthly benefit amounts with the following steps:

  1. take your adjusted family net income
  2. subtract the combined amount of your and your spouse or common-law partner's working income, if any, up to $14,000
  3. subtract $32,500 (if the result is 0 or less, you will receive the maximum benefit amount; if the result is greater than 0, continue to the next step)
  4. multiply the resulting amount by 0.10 (10%)
  5. subtract that amount from $2,400
  6. divide that amount by 12

This will give you the monthly benefit amount for each person.

Example

Donna and Lucia are a married couple in their early 60s. Both are eligible for the Canada Disability Benefit.

Income details
  • Donna is self-employed and earns $5,000
  • Lucia receives $15,000 in Canada Pension Plan Disability benefits
  • Lucia also receives $25,000 from her long-term disability insurance plan. Because her employer paid the premiums, this income is included in the couple's adjusted family net income
  • Donna and Lucia's adjusted family net income is therefore $45,000
Benefit calculation
  • Because Donna earns less than $14,000 from work (the working income exemption for couples), all of her working income ($5,000) is exempt
  • Only $40,000 of Donna and Lucia's income is taken into consideration for the benefit calculation ($45,000 - $5,000)
  • The couple's income after subtracting the working income exemption is $7,500 over the couple threshold of $32,500 ($40,000 - $32,500)
  • Donna and Lucia's benefits are each reduced by $750 a year ($7,500 x 0.1)
Payment

Donna and Lucia both receive $137.50 a month as their benefit amount [($2,400 - $750) ÷ 12].

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2025-08-04