How much you get from the Canada Disability Benefit
The CDB is recalculated every July from the previous year's tax return. For the July 2026 to June 2027 benefit year, your payment is based on your 2025 return, and the maximum is $204.20 a month ($2,450.40 a year). Amounts are indexed each July and never fall if the cost of living falls. A change in your income during 2026 will not show up in your payments until July 2027 — the benefit year always lags the tax year by one step.
Adjusted family net income
The income test uses adjusted family net income (AFNI): your net income (line 23600 of your return) plus your spouse or common-law partner's line 23600 if applicable, minus any Universal Child Care Benefit and Registered Disability Savings Plan income received (lines 11700 and 12500), plus any of those amounts repaid (lines 21300 and 23200). The Canada Child Benefit is not included in AFNI. If you are single, AFNI is simply your own adjusted figure.
Thresholds, reduction rates and the phase-out
After the working income exemption is subtracted (see the next page), a single person receives the full benefit if the result is at or below the single threshold, and a couple receives the full benefit if the result is at or below the couple threshold. Above the threshold, the benefit falls by 20 cents for every extra dollar where one person in the household qualifies, and by 10 cents per person for every extra dollar where both partners qualify. On the basis of Canada.ca's published worked examples — a $23,000 single threshold and a $32,500 couple threshold with a $2,400 maximum — the benefit reaches zero at $35,000 for a single person with no working income exemption, $44,500 for a couple where one partner qualifies, and $56,500 where both qualify; claiming the maximum exemption pushes those zero points to $45,000, $58,500 and $70,500. On the indexed 2026–27 basis ($23,483 and $33,182.50 thresholds, $2,450.40 maximum), the single zero point without an exemption is $35,735. Use the official estimator for your own figure; these are the mechanics, not a personal calculation.
Worked examples (Canada.ca's own, 2025–26 basis)
Jane receives $16,000 a year in provincial social assistance and has no other income. Her AFNI is $16,000, below the $23,000 single threshold, so she receives the full benefit — $200 a month on that year's basis, $204.20 on the current year's maximum.
Dan earns $35,000 a year from employment and has no other income. His full $10,000 working income exemption applies, leaving $25,000 counted — $2,000 over the $23,000 threshold. The reduction is $2,000 × 0.20 = $400 a year, so his benefit is $2,400 − $400 = $2,000 a year, or $166.67 a month.
Donna and Lucia, a married couple in their early 60s, both qualify. Donna is self-employed and earns $5,000; Lucia receives $15,000 in CPP disability benefits and $25,000 from a long-term disability plan whose premiums her employer paid, so that $25,000 counts. Their AFNI is $45,000. Only Donna's $5,000 of working income is exempt (it is below the $14,000 couple exemption), leaving $40,000 counted — $7,500 over the $32,500 couple threshold. Each partner's benefit falls by $7,500 × 0.10 = $750 a year, so each receives ($2,400 − $750) ÷ 12 = $137.50 a month.
Small entitlements and the supplement
If your annual entitlement works out to $240 or less, it is paid as a single lump sum rather than in monthly instalments. Separately, a one-time supplemental payment was added in fall 2026 under the regulations (Canada Gazette Part II, SOR/2026-123); Canada.ca notes that supplemental payments are not payable for individuals who died before September 2026. The supplement is phased and its eligibility and timing are set by Service Canada — check Canada.ca for the current position rather than relying on a lump figure quoted elsewhere, and do not count it as part of the monthly maximum.