Canada Disability Benefit Calculator
July 2026 to June 2027

For July 2026 to June 2027 the maximum Canada Disability Benefit is $204.20 a month, or $2,450.40 a year, up from $200 in July 2025 to June 2026 after the benefit's first inflation indexation. That is a maximum, not a flat rate.

The benefit is income-tested on your 2025 tax return: a single person receives the full amount while adjusted family net income, after subtracting up to $10,210 of working income, stays at or below about $23,483; above that it falls by 20 cents for every dollar. For a couple the threshold is about $33,183 with up to $14,294 of combined working income exempt.

The payment is non-taxable and is not reported on your return.

It is a one-time payment of $150 meant to offset the cost of getting the disability tax credit (DTC) approved, which is required to qualify for the CDB. It was announced in Budget 2025, the regulations came into force on 1 September 2026, and the first payments go out on 17 September 2026 to people who received a CDB payment between July 2025 and June 2026 — including anyone who received only one payment, or a single lump sum, and is no longer receiving the benefit.

People who became eligible from July 2026 onward, and people re-certified for a new DTC certificate, are paid in a second phase in winter 2027. It is paid once per approved DTC certificate that qualifies you, you do not apply for it, and it is not payable for people who died before September 2026.

You must be aged 18 to 64, have an approved disability tax credit certificate, be resident in Canada for income tax purposes, and have filed your 2025 federal return — and so must your spouse or common-law partner, if you have one. You must also be a Canadian citizen, a permanent resident, a person registered or entitled to be registered under the Indian Act, a protected person, or a temporary resident who has lived in Canada throughout the previous 18 months.

You can apply up to six months before your 18th birthday, though nothing is processed until you turn 18. If you are 65 or over you may still receive back payments for up to 24 months before your application, up to the month you turned 65, but never for months before June 2025.

Less than most people expect. Up to $10,210 of employment, self-employment or taxable scholarship income is ignored for a single person ($14,294 combined for a couple) before the income test is applied.

So a single person earning $35,000 entirely from work is assessed on $24,790, about $1,307 over the threshold, and loses $261.40 a year — receiving $182.42 a month rather than $0. For a single person with all income from work, the benefit only reaches zero at about $45,945.

The exemption applies to a couple's combined working income even when only one partner is eligible for the benefit.

Adjusted family net income: line 23600 (net income) of your 2025 return plus line 23600 of your spouse's or common-law partner's, minus any Universal Child Care Benefit and Registered Disability Savings Plan income received (lines 11700 and 12500), plus any UCCB and RDSP amounts repaid (lines 21300 and 23200). The Canada Child Benefit is not part of net income, so it does not count.

Income from a long-term disability insurance plan whose premiums were paid by an employer is taxable and does count. Because the test uses the previous year's return, a change in income during 2026 only affects payments from July 2027.

Monthly, on the third Thursday of each month, starting the month after your application is approved. If your total entitlement for the July-to-June year is $240 or less ($20 or less a month), you receive one lump sum for the remaining months instead.

Eligibility is reviewed every year from your tax return, so you do not reapply — but you must keep your disability tax credit approved and file your return by 30 April each year, and every June Service Canada sends a letter confirming your amount for the coming July-to-June period.