Social Assistance Reform in Ontario

Size: px
Start display at page:

Download "Social Assistance Reform in Ontario"

Transcription

1 Social Assistance Reform in Ontario What s happened, what s coming, and what we can do about it Jennefer Laidley and liz walker Income Security Advocacy Centre September 27, 2018

2 Who are we? Income Security Advocacy Centre (ISAC) Specialty legal clinic in Ontario s community legal clinic system Improve income security of Ontarians by working to improve law & policy: Social assistance Ontario Works and ODSP Contributory programs CPP-D, Employment Insurance Benefits and credits Child Benefits, OAS / GIS, Disability Tax Credit Employment Standards quality of work Tools: Litigation Policy advocacy Community organizing Public education

3 Who are you? Currently on OW/ODSP Legal clinic worker Service provider Advocate around OW/ODSP Do policy work related to OW/ODSP Organize with people on OW/ODSP Other

4 Where are you in the province? Northern Ontario South Eastern Ontario Eastern Ontario Greater Toronto Area

5 A bit of background Social assistance in Ontario Two programs: Ontario Works (OW) & Ontario Disability Support Program (ODSP) Started 1998 by previous Conservative government Deliberately inadequate, punitive and coercive Counterproductive to helping people stabilize and move forward Important but small improvements made under Liberal government Fundamentally the same system as 20 years ago

6 Action to improve the system Advocacy ongoing for 20 years Improvements come from this ongoing action Consultations, reviews and reports Deb Matthews 2004 Social Assistance Review Advisory Committee 2010 Lankin / Sheikh Commission 2012 Latest and greatest: Income Security Roadmap for Change 2017

7 Roadmap for Change Three working groups People with lived experience, policy experts, private sector, Indigenous representatives, administrators, etc. Report issued November 2017 Great recommendations for positive change - many from years of hearing from people on OW and ODSP about how to make the programs better Liberal government started implementing in Budget 2018 Positive changes made spring and early summer 19 additional changes supposed to start this fall

8 19 changes included 3% increase to rates Still not enough, but largest increase since 2005 Letting people keep more of what they earn From $200 $400 / month before clawbacks Letting people keep more money from other sources TFSA and RRSPs Financial gifts from family / friends Trust and life insurance policy payments

9 More 19 changes Giving people time to build healthy relationships Changing spouse definition from 3 months living together to 3 years Giving full benefits to people who get housing and food at same place Includes many people with disabilities, who get a lower rate Increasing and expanding Remote Communities Allowance For people in remote areas and the North, where food and other costs are much higher

10 June 7 election - New government New minister and new ministry Lisa MacLeod, Minister of Children, Community and Social Services Five ministries / portfolios collapsed into one July 31 announcement: 1. Cut the rate increase from 3% to 1.5% 2. Put a pause on the 19 changes 3. Ended the basic income pilot project 4. Will announce new direction for social assistance after 100 day review November 8

11 What now? Government s focus appears to be: Getting more people into jobs Reducing length of time people spend on social assistance Streamlining the patchwork of programs Reducing administration Reducing fraud Modernizing services through technology

12 What could this mean? Bad ways to get people into jobs: Force them to take unpaid work as a condition of getting benefits Make people on ODSP agree to look for work as a condition of getting benefits Allow fewer exemptions e.g., single parents looking after young children

13 What could this mean? Good ways to get people into jobs: More supports for people to stabilize their lives Holistic wrap-around services that address trauma and other needs Better training & education programs Increase rates a springboard to jobs and community involvement Increase amounts of money people can keep when they work Better employment standards to create better quality jobs Ensure accommodation in the workplace for people with disabilities

14 What could this mean? Bad ways to reduce the time people spend on assistance: Introduce time limits to stop people from getting benefits beyond a certain amount of time (as they did in the USA)

15 What could this mean? Good ways to reduce the time people spend on assistance: Help people as soon as they get on the system More supports for people to stabilize their lives Holistic wrap-around services that address trauma and other needs Better training & education programs Increase rates a springboard to jobs and community involvement Improve other programs (e.g., WSIB, EI, CPP-D) Improve the quality of jobs

16 What does a good system look like? Five Principles for an Effective and Compassionate System Open Letter to Minister MacLeod

17

18 Political Context Austerity Has set the stage for cuts to programs and services Hyper focus on deficit reduction The best social program is a job Selling off public assets Introducing fees for use Attacks on universal basic rights to services and adequate income supports Taxes = BAD! We have a revenue problem NOT a spending problem!

19

20 Myths andrealities $733 max per month OW $1167 max per month ODSP 1. Increasing social assistance will encourage people to stay on 2. People on social assistance just don t want to work 3. Refugees better off than people on social assistance

21 How do we the people win?

22

23

24 We Own It!

25 Individuals taking action Endorse Sign onto ISAC's Open Letter to Minister MacLeod Contact your MPP Write Phone Meet with your MPP Join a group Join a local group taking action to fight poverty in your community

26 Agencies and Organizations Balancing needs and systemic change Sign onto ISAC's Open Letter to Minister MacLeod Endorse Visit your MPP Take members of your group to meet your MPP Inform community about what is at stake & how they can take action. Invite MPP Hold a public meeting Contact local media Bring attention to the issue. Write letters to the editor, op-eds, etc.

27 The current system is based on outdated ideas and traps people in poverty. We need a government, no matter what political affiliation, to invest in the collective well-being of all Ontarians.

28 Materials to help Actions You Can Take Before November 8 Open Letter to Minister MacLeod Five Principles for an Effective and Compassionate Social Assistance System Tips for Meeting with MPPs Tips for Holding a Public Meeting Tips for Getting Media Attention Social Assistance Rates Sheet 10 Myths & 10 Realities of Social Assistance in Ontario 19 Changes Now On Pause Fast Facts: Poverty and Social Assistance

29 To download our action kit and sign our open letter please visit

CHANGES TO SOCIAL ASSISTANCE: What Was Announced, What It Means, and What s Next. Income Security Advocacy Centre December 6, 2018

CHANGES TO SOCIAL ASSISTANCE: What Was Announced, What It Means, and What s Next. Income Security Advocacy Centre December 6, 2018 1 CHANGES TO SOCIAL ASSISTANCE: What Was Announced, What It Means, and What s Next Income Security Advocacy Centre December 6, 2018 2 Who are we? Income Security Advocacy Centre (ISAC) Specialty legal

More information

Ontario Budget 2018:

Ontario Budget 2018: Ontario Budget 2018: 1500 55 University Avenue Toronto, ON M5J 2H7 Tel: 416-597-5820 Fax: 416-597-5821 Toll-free: 1-866-245-4072 Important First Steps to Transformation but No Meaningful Progress on Rates

More information

Basic Income: What is it and what could it mean for social assistance?

Basic Income: What is it and what could it mean for social assistance? Basic Income: What is it and what could it mean for social assistance? Jennefer Laidley, Research & Policy Analyst Income Security Advocacy Centre (ISAC) October 14, 2016 Who is ISAC? Income Security Advocacy

More information

Message from the Chair. For members in: Social Services Index LEGISLATION PENSIONS HEALTH & SAFETY SECTOR UPDATES. Developmental Services Sector 2

Message from the Chair. For members in: Social Services Index LEGISLATION PENSIONS HEALTH & SAFETY SECTOR UPDATES. Developmental Services Sector 2 Message from the Chair Dear Community Services Division Members, The launching of a Community Services Division newsletter is long overdue. At the Nov. 2009 Divisional meeting held at the bi-annual BPS

More information

Memo to Presidents of Municipal Social Service Workers Locals

Memo to Presidents of Municipal Social Service Workers Locals November 23, 2018 Memo to Presidents of Municipal Social Service Workers Locals Subject: From: Update on issues in Municipal Social Services Carrie Lynn Poole-Cotnam, Chair, SSWCC Andrew Hunter, Coordinator,

More information

LEGISLATIVE UPDATE February 26, 2016

LEGISLATIVE UPDATE February 26, 2016 LEGISLATIVE UPDATE February 26, 2016 ONTARIO 2016 BUDGET NOTES On February 25, 2016, Ontario Finance Minister Charles Sousa presented the 2016 Ontario Budget, Jobs for Today and Tomorrow (the Budget ).

More information

Applying for financial benefits money concerns and cancer

Applying for financial benefits money concerns and cancer Applying for financial benefits money concerns and cancer Your doctor has discussed the possibility of cancer and has referred you to an oncologist (cancer doctor) and/or cancer centre. Often with a serious

More information

SUBMISSION TO THE STANDING COMMITTEE ON FINANCE AND ECONOMIC AFFAIRS

SUBMISSION TO THE STANDING COMMITTEE ON FINANCE AND ECONOMIC AFFAIRS SUBMISSION TO THE STANDING COMMITTEE ON FINANCE AND ECONOMIC AFFAIRS Presented By Income Security Advocacy Centre 425 Adelaide Street W., 5 th Floor Toronto, Ontario M5V 3C1 January 2006 I. Income Security

More information

Trillium Drug Program Questions and Answers for Cancer Patients in Ontario 1

Trillium Drug Program Questions and Answers for Cancer Patients in Ontario 1 Trillium Drug Program Questions and Answers for Cancer Patients in Ontario 1 The Trillium Drug Program Q1. What programs can help me pay for my cancer drugs? A1. The Ontario Drug Benefit (ODB) Program

More information

October 1, Mr. Gary McNamara President Association of Municipalities of Ontario University Avenue Toronto, Ontario M5H 3C6

October 1, Mr. Gary McNamara President Association of Municipalities of Ontario University Avenue Toronto, Ontario M5H 3C6 October 1, 2011 Mr. Gary McNamara President Association of Municipalities of Ontario 801-200 University Avenue Toronto, Ontario M5H 3C6 Dear Mr. McNamara: Thank you very much for your letter on behalf

More information

POVERTY AT THE CROSSROADS. John Stapleton Open Policy Policy Class 2015

POVERTY AT THE CROSSROADS. John Stapleton Open Policy Policy Class 2015 POVERTY AT THE CROSSROADS John Stapleton Open Policy Policy Class 2015 Poverty at the Crossroads 2 Poverty at the Crossroads 3 Quotes to set the stage ( and the frame) The Third Rail: Leech & McNish The

More information

Social Assistance Reform

Social Assistance Reform Social Assistance Reform Commission Report Overview Provincial AMO Update & Response Division Work Plan Alignment CSSSJSSC13-006 June 13, 2013 Social Assistance Commission Report Report Structure Enabling

More information

OPRN/RRPO brief for provincial Standing Committee on Economic Affairs and Finance December 2008

OPRN/RRPO brief for provincial Standing Committee on Economic Affairs and Finance December 2008 The Ottawa Poverty Reduction Network / le Réseau pour le Réduction de Pauvreté d Ottawa has structured our brief to follow the five questions put forward by the Minister of Finance. We have attached a

More information

Housing Provider Forum

Housing Provider Forum Housing Provider Forum May 25, 2017 Verification of Income Types of Income Employment Self-Employment Pensions and Allowances Assets Support Income/Payments Social Assistance Employment Income Employment

More information

Low Income Retirement Planning. Four things to think about

Low Income Retirement Planning. Four things to think about Low Income Retirement Planning Four things to think about Canada s retirement income system has three parts: 1. Old Age Security (OAS): If you meet the residence requirements, you can get a modest monthly

More information

Backgrounder: Just the Facts

Backgrounder: Just the Facts Backgrounder: Just the Facts From: Income Security Advocacy Centre 1) Overpayments and Program Costs: Comparing Apples to Oranges The yearly cost of both OW and ODSP was reported by the auditor general

More information

Affordable energy programs for Ontario s low-income consumers

Affordable energy programs for Ontario s low-income consumers LOW-INCOME ENERGY NETWORK Affordable energy programs for Ontario s low-income consumers LIEN annual conference May 4, 2018 LIEN is a project funded by Legal Aid Ontario and supported by ACTO & CELA 1 Presentation

More information

A B.I.G. Typology and what we might be able to afford. David Zhang and Mike Moffatt Lawrence National Centre for Policy and Management

A B.I.G. Typology and what we might be able to afford. David Zhang and Mike Moffatt Lawrence National Centre for Policy and Management A B.I.G. Typology and what we might be able to afford David Zhang and Mike Moffatt Lawrence National Centre for Policy and Management October 5, 2016 Agenda SECTION 1 Ontario s Fiscal Context SECTION 2

More information

Important Rules For Your Rent-Geared-To-Income Subsidy

Important Rules For Your Rent-Geared-To-Income Subsidy Rent-Geared-to-Income (RGI) Subsidy Form - 1 of 9 Important Rules For Your Rent-Geared-To-Income Subsidy This document has important information about your rent-geared-to-income subsidy (RGI Subsidy).

More information

The Ball or the Bridge

The Ball or the Bridge ontario alternative budget May 2009 The Ball or the Bridge the stark choice for social assistance reform in Ontario John Stapleton The Ball Think about a small ball of string that you keep at home. Every

More information

ODSP: Know Your Benefits. ODSP Action Coalition September 2013

ODSP: Know Your Benefits. ODSP Action Coalition September 2013 ODSP: Know Your Benefits ODSP Action Coalition September 2013 1 Who We Are ODSP Action Coalition has been around for more than 10 years Advocate for changes to ODSP Have a shared leadership model: Made

More information

Submission to the Ontario government s consultations on a Basic Income Pilot Project

Submission to the Ontario government s consultations on a Basic Income Pilot Project Submission to the Ontario government s consultations on a Basic Income Pilot Project January 2017 Income Security Advocacy Centre 1500 55 University Avenue Toronto, ON M5J 2H7 INCOME SECURITY ADVOCACY

More information

Administration of Income Verification... 2

Administration of Income Verification... 2 Administration of Income Verification... 2 What income is included?... 3 Income Received Late... 3 A. Income from Employment... 4 B. Income from Assets or Investments... 4 C. Income from Pensions or Support

More information

Calculating Rent for a Partial Month Documenting RGI Rent Calculations... 30

Calculating Rent for a Partial Month Documenting RGI Rent Calculations... 30 STEPS FOR CALCULATING RENT FOR A RENT-GEARED-TO-INCOME (RGI) HOUSEHOLD... 2 Step 1 Review the income and assets verification form for completeness... 3 Step 2 Determine who lives in the household... 3

More information

Building Opportunity Securing Our Future

Building Opportunity Securing Our Future Building Opportunity Securing Our Future ONTARIO Budget 2014 budget speech The Honourable Charles Sousa Minister of Finance Check Against Delivery Introduction Mr. Speaker, I rise to present the 2014

More information

WHAT ARE THE POLITICAL PARTIES PROMISING?

WHAT ARE THE POLITICAL PARTIES PROMISING? WHAT ARE THE POLITICAL PARTIES PROMISING? Why do Provincial Elections matter? Because they make decisions on services that affect our everyday lives. Like what? Find here questions Ottawa residents are

More information

Planning to retire on a low income: What you need to know. October 3, 2018 Don Mills Library John Stapleton

Planning to retire on a low income: What you need to know. October 3, 2018 Don Mills Library John Stapleton Planning to retire on a low income: What you need to know October 3, 2018 Don Mills Library John Stapleton Topics 1. What seniors get in Ontario 2. What does low income mean? 3. What does taxable income

More information

Poverty As a Health Issue: Screening, Intervention and Collaboration

Poverty As a Health Issue: Screening, Intervention and Collaboration + Poverty As a Health Issue: Screening, Intervention and Collaboration Drs. Ritika Goel & Danyaal Raza, OCFP Poverty and Health Committee South East LHIN Primary Care Forum, October 9, 2014 + Contributions

More information

Adding a Member to an Application

Adding a Member to an Application Adding a Member to an Application I am requesting to be added to the (last name, first name) application of, HAU Client # (last name, first name of primary applicant) I understand that my eligibility will

More information

Important Rules For Your Rent-Geared-To-Income Subsidy

Important Rules For Your Rent-Geared-To-Income Subsidy Important Rules For Your Rent-Geared-To-Income Subsidy This document has important information about your rent-geared-to-income subsidy (RGI Subsidy). It is important you read and understand this information

More information

REGION OF WATERLOO AFFORDABLE HOME OWNERSHIP Application Form

REGION OF WATERLOO AFFORDABLE HOME OWNERSHIP Application Form REGION OF WATERLOO AFFORDABLE HOME OWNERSHIP Application Form The Affordable Home Ownership component of the Canada-Ontario Affordable Housing Program is delivered by the Region of Waterloo on behalf of

More information

ACCESSING GOVERNMENT BENEFITS AND SUBSIDIES

ACCESSING GOVERNMENT BENEFITS AND SUBSIDIES Financial Literacy and Custodial Grandparents ACCESSING GOVERNMENT BENEFITS AND SUBSIDIES Information for Custodial Grandparents Who May Wish to Apply for Government Benefits and Subsidies Ontario Edition

More information

2018 Community Living Ontario Pre-Budget Submission: Recommendations for the Developmental Services Sector

2018 Community Living Ontario Pre-Budget Submission: Recommendations for the Developmental Services Sector 2018 Community Living Ontario Pre-Budget Submission: Recommendations for the Developmental Services Sector Recommendations regarding the Support Needs of People and Families In August of 2016, Ontario

More information

OPB News. Introducing OPB s Retirement Planner. Accessibility for all. For members of the PSPP. An enhanced view of your overall retirement picture

OPB News. Introducing OPB s Retirement Planner. Accessibility for all. For members of the PSPP. An enhanced view of your overall retirement picture Your Pension. Our Promise. OPB News For members of the PSPP April 2012 Introducing OPB s Retirement Planner An enhanced view of your overall retirement picture You told us you wanted to understand your

More information

CALU Special Report. Budget 2019: Government continues its commitment to invest in the middle class

CALU Special Report. Budget 2019: Government continues its commitment to invest in the middle class CALU Special Report Budget 2019: Government continues its commitment to invest in the middle class Ottawa March 19, 2019 Finance Minister Bill Morneau tabled the Liberal Government s 2019 pre-election

More information

RENT-GEARED-TO-INCOME (RGI) Important Rules for Your RGI Subsidy

RENT-GEARED-TO-INCOME (RGI) Important Rules for Your RGI Subsidy Important Rules for Your RGI Subsidy This document has important information about your rent-geared-to-income subsidy (RGI Subsidy). It is important you read and understand this information when completing

More information

Ontario's Basic Income Pilot April 24, :00 A.M.

Ontario's Basic Income Pilot April 24, :00 A.M. NEWS Ministry of Community and Social Services Ontario's Basic Income Pilot April 24, 2017 9:00 A.M. Finding a Better Way: A Basic Income Pilot for Ontario Ontario is launching a pilot project to assess

More information

Level the Playing Field: Investing in Workers to Build a Strong Economy

Level the Playing Field: Investing in Workers to Build a Strong Economy BCFED SUBMISSION BUDGET 2019 Level the Playing Field: Investing in Workers to Build a Strong Economy Submission to the Select Standing Committee on Finance and Government Services September 2018 BC Federation

More information

2013 Personal Income Tax Update

2013 Personal Income Tax Update 2013 Personal Tax Presentation February 12, 2013 TITLE September 21, 2012 2013 Personal Income Tax Update Presented by: Kris Wirk Phone Number: 250 220 7311 Email: k.wirk@ddwca.com The enclosed presentation

More information

Tax Tips & Traps IN THIS ISSUE YEAR-END TAX PLANNING

Tax Tips & Traps IN THIS ISSUE YEAR-END TAX PLANNING YEAR-END TAX PLANNING 100(1) Some 2012 year-end tax planning tips include: 1. Certain expenditures made by individuals by December 31, 2012 will be eligible for 2012 tax deductions or credits including:

More information

Social Services News. Community Services Divisional Council Spring 2019

Social Services News. Community Services Divisional Council Spring 2019 th e Social Services News Community Services Divisional Council Spring 2019 MESSAGE FROM THE CHAIR Message from the chair We have our work cut out for us under this new Conservative government. Since taking

More information

The Canada Pension Plan Where Next?

The Canada Pension Plan Where Next? The Canada Pension Plan Where Next? Saskatchewan Federation of Labour Pensions Conference Regina, Saskatchewan May 2, 2018 Chris Roberts Canadian Labour Congress Outline Summary of 2016 CPP enhancement

More information

The Life Cycle of an Investment Plan. Webinar: April 26, 2017

The Life Cycle of an Investment Plan. Webinar: April 26, 2017 The Life Cycle of an Investment Plan Webinar: April 26, 2017 Getting Started Start young Create disciplined habits Don t overdo debt Maximize the value of your savings TFSA or RRSP? Start with TFSA Provides

More information

Frequently Asked Questions

Frequently Asked Questions SDMT/SAMS Crossover Period Q. What is SDMT? A. SDMT is Frequently Asked Questions Q. What is SAMS? A. SAMS stands for Social Assistance Management System and is the new computer program that will help

More information

2018 FEDERAL BUDGET SUMMARY

2018 FEDERAL BUDGET SUMMARY 2018 FEDERAL BUDGET SUMMARY Introduction With the release of its 2018 Budget on February 27 th, the federal government made real progress on its 2016 election commitment to connect more low-income and

More information

My65+: an innovative retirement plan for modest-earning workers with no pension Overview. March 2017

My65+: an innovative retirement plan for modest-earning workers with no pension Overview. March 2017 My65+: an innovative retirement plan for modest-earning workers with no pension Overview March 2017 Why SEIU Healthcare chose to take action on retirement security Half of members (~30,000) have no pension

More information

Attachment 4: Finding a Better Way: A Basic Income Pilot Project for Ontario - Recommendations

Attachment 4: Finding a Better Way: A Basic Income Pilot Project for Ontario - Recommendations Attachment 4: Finding a Better Way: A Basic Income Pilot Project for Ontario - Recommendations 1. Overall Considerations A pilot project must begin with an understanding of the costs of poverty, not only

More information

Ontario Election Report Card A SUMMARY OF PARTY STANCES ON ISSUES AFFECTING FOOD BANK CLIENTS

Ontario Election Report Card A SUMMARY OF PARTY STANCES ON ISSUES AFFECTING FOOD BANK CLIENTS Ontario Association of Food Banks Ontario Election 2018 Report Card A SUMMARY OF PARTY STANCES ON ISSUES AFFECTING FOOD BANK CLIENTS Table of Contents About the OAFB Food Bank Use in Ontario ÎÎDemographics

More information

WORKING PAPER 6: HOW TO PROVIDE LEAVE BENEFITS *

WORKING PAPER 6: HOW TO PROVIDE LEAVE BENEFITS * WORKING PAPER 6: HOW TO PROVIDE LEAVE BENEFITS * 1. Key challenge & overview People in precarious employment are less likely to have access to benefits, including leave benefits. Leave benefits are the

More information

TAX TIPS. Audit Tax Advisory

TAX TIPS. Audit Tax Advisory Audit Tax Advisory TAX TIPS Crowe Soberman LLP Join our online community In this issue: Investment income 3 Facebook.com/CroweSoberman On Crowe Soberman s Facebook page, you can stay in the loop with the

More information

TARGET BENEFIT PENSION PLANS - WHAT ARE THE TRENDS THROUGHOUT CANADA

TARGET BENEFIT PENSION PLANS - WHAT ARE THE TRENDS THROUGHOUT CANADA SFL PENSION KNOWLEDGE CONFERENCE: TARGET BENEFIT PENSION PLANS - WHAT ARE THE TRENDS THROUGHOUT CANADA MAY 3-4, 2016 KEVIN SKERRETT CUPE RESEARCH CANADA S PENSION PYRAMID Private Pensions & Savings Arrangements

More information

Table of Contents. 24 Self-Pay 25 Reciprocal Agreements 27 Life Changes 28 Marriage Breakdown

Table of Contents. 24 Self-Pay 25 Reciprocal Agreements 27 Life Changes 28 Marriage Breakdown Table of Contents 1 About this Booklet 2 Key Plan Benefits at-a-glance 5 Becoming a Plan Participant 6 Entitlement to Benefits 8 Earning Pension Credits 9 Past Service 11 Future Service 13 How your Pension

More information

The Regional Municipality of Halton. Chair and Members of the Health and Social Services Committee

The Regional Municipality of Halton. Chair and Members of the Health and Social Services Committee The Regional Municipality of Halton Report To: From: Chair and Members of the Health and Social Services Committee Alex Sarchuk, Commissioner, Social and Community Services Date: January 10, 2017 Report

More information

Sample Plan 2 (six modules)

Sample Plan 2 (six modules) Sample Plan 2 (six modules) Prepared For: Smith Prepared By: Anne Expert CFP, CLU Financial Advisor Date Prepared: June 14, 2012 Table of Contents Disclaimer Personal Information Net Worth Retirement Life

More information

Tax & Retirement Planning Guide

Tax & Retirement Planning Guide Tax & Retirement Planning Guide TD Asset Management Inc. (TDAM) understands the importance of maximizing the after-tax income for investors since, for most Canadians, paying taxes is their biggest lifetime

More information

How the world s best financial plans are made

How the world s best financial plans are made How the world s best financial plans are made When you come to Planswell, you answer several questions and then see your plan. What you don t see are the millions of calculations we make in the background

More information

Recommendations for Short Term Rule Changes For 2010

Recommendations for Short Term Rule Changes For 2010 Recommendations for Short Term Rule Changes For 2010 Social Assistance Review Advisory Council February 2010 Recommendations for Short Term Rule Changes For 2010 - Social Assistance Review Advisory Council

More information

Time to get moving: Ontario s Income Security Roadmap

Time to get moving: Ontario s Income Security Roadmap Time to get moving: Ontario s Income Security Roadmap Maytree submission to the Ministry of Community and Social Services regarding the Income Security Roadmap for Change Prepared by: Hannah Aldridge and

More information

e-brief September 30, 2008

e-brief September 30, 2008 e-brief September 30, 2008 I N D E P E N D E N T R E A S O N E D R E L E V A N T No Strings Attached: How The Tax-Free Savings Account Can Help Lower-Income Canadians Get Ahead By John Stapleton and Richard

More information

Why don't we want the poor to own anything?

Why don't we want the poor to own anything? Why don't we want the poor to own anything? Our relentless social policy journey toward destitution for the 900,000 poorest people in Ontario John Stapleton October, 2009 Presentation!! Introduction A

More information

2013 Year End Tax Tips

2013 Year End Tax Tips TAX TIPS 2013 Year End Tax Tips Jamie Golombek, CPA, CA, CFP, CLU, TEP Managing Director, Tax & Estate Planning, CIBC Wealth Advisory Services Jamie.Golombek@cibc.com With December 31 st fast approaching,

More information

2012 TAX PLANNING FOURTH QUARTER

2012 TAX PLANNING FOURTH QUARTER kurt.rosentreter@manulifesecurities.ca 416-628-5761 ext. 230 2012 TAX PLANNING FOURTH QUARTER YEAR-END TAX PLANNING As the end of 2012 nears we are pleased to offer the following tax planning considerations:

More information

o Over 60,000 emergency room visits are made each year related to tooth pain, 4 contributing to the strain on our overcrowded hospitals.

o Over 60,000 emergency room visits are made each year related to tooth pain, 4 contributing to the strain on our overcrowded hospitals. Introduction Everybody in Ontario should have access to benefits like drug and dental care. Andrea Horwath will extend pharmacare to everyone, making sure all Ontarians can take the medications they need.

More information

Rate Reduction Application in Long-Term Care Document List Required for Assessment of Resident Eligibility

Rate Reduction Application in Long-Term Care Document List Required for Assessment of Resident Eligibility Ministry of Health and Long-Term Care Corporate Services Division Rate Reduction Application in Long-Term Care List Required for Assessment of Resident Eligibility To be used only by Residents Submitting

More information

YOUR OMERS PENSION. A handbook for members with a normal retirement age of 60

YOUR OMERS PENSION. A handbook for members with a normal retirement age of 60 YOUR OMERS PENSION A handbook for members with a normal retirement age of 60 Important! This handbook is a summary of the defined benefit provision of the OMERS Primary Pension Plan for members with a

More information

I got an eviction order because I owe rent. If I pay, can I stop the Sheriff from coming?

I got an eviction order because I owe rent. If I pay, can I stop the Sheriff from coming? TIP SHEET FOR TENANTS I got an eviction order because I owe rent. If I pay, can I stop the Sheriff from coming? CONTENTS How can I stop the Sheriff from coming?... 2 When should I pay the money I owe?...

More information

Now and Tomorrow Excellence in Everything We Do. Canada Pension Plan disability benefits

Now and Tomorrow Excellence in Everything We Do. Canada Pension Plan disability benefits Now and Tomorrow Excellence in Everything We Do Canada Pension Plan disability benefits Canada Pension Plan Disability Benefits This publication is available for download at canada.ca/publicentre-esdc

More information

We will continue to monitor this subject. Watch for future issues of this Pension Matters newsletter for more updates.

We will continue to monitor this subject. Watch for future issues of this Pension Matters newsletter for more updates. Issue 10 December 2015 Are you interested in learning more about what s happening with the ESA Pension Plan? This newsletter is a great source of information on our Pension Plan as well as the Canadian

More information

How to Show Proof of Household Income and Assets Guide

How to Show Proof of Household Income and Assets Guide How to Show Proof of Household Income and Assets Guide This Guide shows the most common sources of income and assets. There may be other sources of income that are not listed in the Guide. Use this Guide

More information

Pre-Budget Consultation Submission to the Ministry of Finance

Pre-Budget Consultation Submission to the Ministry of Finance Kitchener, January 31 st, 2014 The Honorable Charles Sousa Minister of Finance Government of Ontario c/o Budget Secretariat Submitted by email: submissions@ontario.ca Pre-Budget Consultation Submission

More information

Toronto Employment and Social Services

Toronto Employment and Social Services OPERATING PROGRAM SUMMARY Contents Overview & Recommendations I: 2015 2017 Service Overview and Plan 5 II: Council Budget III: Issues for Discussion 27 Toronto Employment and Social Services 2015 OPERATING

More information

Application. For Community Housing. Please return your completed application and all required documentation to an Access Site near you.

Application. For Community Housing. Please return your completed application and all required documentation to an Access Site near you. Application For Community Housing Please return your completed application and all required documentation to an Access Site near you. Incomplete applications will not be processed until all required information

More information

Securing Canada s Retirement Income System

Securing Canada s Retirement Income System Securing Canada s Retirement Income System April 1997 FOREWORD Ensuring that Canada s seniors have an adequate retirement income is one of the most important social policy initiatives ever undertaken in

More information

I. Temporary and Precarious Workers Face Serious Barriers in Accessing EI

I. Temporary and Precarious Workers Face Serious Barriers in Accessing EI Brief of the Income Security Advocacy Centre to the Standing Committee on Human Resources, Skills and Social Development and the Status of Persons with Disabilities (HUMA) on the Impact of Recent Changes

More information

How the Tax System Could Help to Reduce Poverty and Inequality

How the Tax System Could Help to Reduce Poverty and Inequality How the Tax System Could Help to Reduce Poverty and Inequality Presentation to Fair Tax Summit: Building a Better Canada March 30, 2012 Ottawa, Ontario Laurel Rothman Tel: 416-595-9230, x228 Email: laurelro@familyservicetoronto.org

More information

KPA POLICY PAPER - September 10, 2015 UNDERSTANDING THE ORPP DEBATE: A GUIDE FOR NON-EXPERTS

KPA POLICY PAPER - September 10, 2015 UNDERSTANDING THE ORPP DEBATE: A GUIDE FOR NON-EXPERTS The ORPP in the Limelight Three recent announcements have placed the Ontario initiative to create a province-wide employmentbased pension plan (the Ontario Retirement Pension Plan) in the limelight. The

More information

In-Situ Priority Application

In-Situ Priority Application In-Situ Priority Application Section 1 Eligibility Criteria If you pay market rent and reside in a non-profit or co-operative housing community, you can apply for priority status on your housing provider

More information

APPENDIX 1: HOUSEHOLD INCOME AND ASSET REVIEW FORM... 3

APPENDIX 1: HOUSEHOLD INCOME AND ASSET REVIEW FORM... 3 APPENDIX 1: HOUSEHOLD INCOME AND ASSET REVIEW FORM... 3 Sample Cover Letter... 3 Income from Employment... 6 Self-Employment Income... 7 Income from Assets... 7 Income from Pensions or Support Payments...

More information

This Annual Income Declaration Package must be completed and returned within 30 days. You must provide copies of your proof of income.

This Annual Income Declaration Package must be completed and returned within 30 days. You must provide copies of your proof of income. Niagara Regional Housing 1815 Sir Isaac Brock Way, PO Box 344, Thorold, ON L2V 3Z3 Telephone: 905-682-9201 Toll-free: 1-800-232-3292 Main Fax: 905-687-4844 Contractor Fax: 905-682-8301 www.nrh.ca Notice

More information

GETTING THE MOST FROM GOVERNMENT SOURCES OF INCOME ADVISOR GUIDE. *Advisor USE ONLY

GETTING THE MOST FROM GOVERNMENT SOURCES OF INCOME ADVISOR GUIDE. *Advisor USE ONLY GETTING THE MOST FROM GOVERNMENT SOURCES OF INCOME ADVISOR GUIDE *Advisor USE ONLY TABLE OF CONTENTS Getting the most from government sources of income......................................1 When should

More information

APPLICATION FOR SUBSIDIZED HOUSING

APPLICATION FOR SUBSIDIZED HOUSING Elgin Branch 110 Centre Street St. Thomas, Ontario N5R 2Z9 Tel (519) 633-1781 Fax (519) 631-8273 Email: admin@cmhaelgin.ca Website: www.cmhaelgin.ca APPLICATION FOR SUBSIDIZED HOUSING If you need help

More information

Retiring Right: Understanding the Taxation of Retirement Income

Retiring Right: Understanding the Taxation of Retirement Income January 2019 Retiring Right: Understanding the Taxation of Retirement Income Jamie Golombek & Tess Francis Tax & Estate Planning, CIBC Financial Planning and Advice The question isn't at what age I want

More information

What every older Canadian should know about Income and Benefits from Government Programs

What every older Canadian should know about Income and Benefits from Government Programs What every older Canadian should know about 2 Income and Benefits from Government Programs ISSD-043(2)-11-10 There are many government programs designed to help older Canadians stay financially independent.

More information

IMPORTANT MESSAGES EMPLOYMENT INSURANCE (EI) EMPLOYMENT INSURANCE (EI) PREMIUM $51, $ % $ EMPLOYMENT INSURANCE (EI)

IMPORTANT MESSAGES EMPLOYMENT INSURANCE (EI) EMPLOYMENT INSURANCE (EI) PREMIUM $51, $ % $ EMPLOYMENT INSURANCE (EI) IMPORTANT MESSAGES EMPLOYMENT INSURANCE (EI) EI REDUCTION PROGRAM QUÉBEC PARENTAL INSURANCE PLAN PREMIUM (QPIP) CANADA PENSION PLAN (CPP) QUÉBEC PENSION PLAN (QPP) PROVINCIAL HEALTH CARE PREMIUMS 2018

More information

CT Flex Your flexible benefits plan. July 2014

CT Flex Your flexible benefits plan. July 2014 CT Flex Your flexible benefits plan July 2014 Agenda Overview of the CT Flex benefits plan How the CT Flex benefits plan works Review of CT Flex Benefits coverage & options Paying for your CT Flex benefits

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions About a Tax-Free Savings Account (TFSA) What is a TFSA? What does it offer? What are the advantages of the Shaw TFSA? Are contributions to a TFSA tax deductible? What are the

More information

Form 13.1: Financial Statement (Property and Support Claims) sworn/affirmed

Form 13.1: Financial Statement (Property and Support Claims) sworn/affirmed ONTARIO Court File Number at (Name of court) (Court office address) Form 13.1: Financial Statement (Property and sworn/affirmed Applicant(s) Full legal name & address for service street & number, municipality,

More information

Household eligibility criteria

Household eligibility criteria Household eligibility criteria The applicant(s) must be the Homeowners(s) of the home for which repair or modification funds are being requested. The home must be the sole and principal residence of the

More information

Application for Housing

Application for Housing Application for Housing INSTRUCTION PAGE Please read the following information carefully before filling out your application. By completing and submitting this application, your name will be placed on

More information

OPB News. Your 2012 Annual Pension Statement. You told us... Get a breakdown of calculations on your Annual Pension Statement online in e-services

OPB News. Your 2012 Annual Pension Statement. You told us... Get a breakdown of calculations on your Annual Pension Statement online in e-services Your Pension. Our Promise. OPB News For members of the PSPP April 2013 Get a breakdown of calculations on your Annual Pension Statement online in e-services Your 2012 Annual Pension Statement You may have

More information

$16.28 is the minimum hourly wage required for a two- parent, twochild. What is a Living Wage?

$16.28 is the minimum hourly wage required for a two- parent, twochild. What is a Living Wage? What is a Living Wage? Living Wage is the basic hourly wage required for a family of four with both parents working full-time year-round to meet basic needs and maintain a decent standard of living. Based

More information

The Ontario Liberal Plan PLATFORM COSTING

The Ontario Liberal Plan PLATFORM COSTING The Ontario Liberal Plan 2011-2015 PLATFORM COSTING FORWARD. TOGETHER. THE ONTARIO LIBERAL PLAN FOR 2011-2015 COSTING SUMMARY: Introduction: This document lays out the fiscal plan of Forward. Together:

More information

Submission to House of Commons Standing Committee on Finance Pre-Budget Consultation Giving Priority to Low-Income, Unattached, Women Seniors

Submission to House of Commons Standing Committee on Finance Pre-Budget Consultation Giving Priority to Low-Income, Unattached, Women Seniors 383 Parkdale Avenue Suite 402 Ottawa ( Ontario) K1Y 4R4 Tel. : (613) 729-6668 Fax. : (613) 729-9608 E-mail : casw@casw-acts.ca Submission to House of Commons Standing Committee on Finance Pre-Budget Consultation

More information

The Advocate A Publication of West End Legal Services Clinic Celebrates 30 Years in the Community In this issue: You are invited to join us

The Advocate A Publication of West End Legal Services Clinic Celebrates 30 Years in the Community In this issue: You are invited to join us The Advocate A Publication of West End Legal Services Vol 17 Fall 2011 Clinic Celebrates 30 Years in the Community West End Legal Services was founded in 1981 as a result of the work of the Board of the

More information

2016 FEDERAL BUDGET HIGHLIGHTS

2016 FEDERAL BUDGET HIGHLIGHTS 2016 FEDERAL BUDGET HIGHLIGHTS Helping Canadians with low incomes receive the tax benefits they deserve The government will invest an additional $4M annually to expand the Community Volunteer Income Tax

More information

PUBLIC POSITION. Meeting the Needs of Canada s Future Retirees A CALL TO TIMELY ACTION: NOVEMBER 10, 2015 SUMMARY OF CIA POSITION

PUBLIC POSITION. Meeting the Needs of Canada s Future Retirees A CALL TO TIMELY ACTION: NOVEMBER 10, 2015 SUMMARY OF CIA POSITION NOVEMBER 10, 2015 SUMMARY OF CIA POSITION The Canadian retirement system has been the subject of several studies and much public discussion. It is at a crossroads due to the convergence of many forces

More information

LEGISLATIVE UPDATE March 23, 2016

LEGISLATIVE UPDATE March 23, 2016 LEGISLATIVE UPDATE March 23, 2016 NOTES ON THE FEDERAL BUDGET 2016 On March 22, 2016, Minister of Finance Bill Morneau presented the 2016 Canada Federal Budget titled Growing the Middle Class (Budget 2016).

More information

APPLICATION CHECKLIST

APPLICATION CHECKLIST NIAGARA REGIONAL HOUSING WELCOME HOME NIAGARA APPLICATION FORM APPLICATION CHECKLIST NOTE: We cannot process your Homeownership Application if required documentation is missing. YOU MUST ATTACH PROOF OF

More information

Important Reminder For Canada Pension Plan Disability Recipients

Important Reminder For Canada Pension Plan Disability Recipients Human Resources Development Canada Développement des ressources humaines Canada NAME ADDRESS CITY, PROVINCE/TERRITORY POSTAL CODE Date SIN Important Reminder For Canada Pension Plan Disability Recipients

More information

Residential Services Instruction Guide (Form CS-RS 892E)

Residential Services Instruction Guide (Form CS-RS 892E) Table of Contents Residential Services Instruction Guide (Form CS-RS 892E) 1. Overview... 1 2. Before you apply - information you need to gather... 2 3. Try our self assessment tool to see if you qualify...

More information