Welfare in Canada, 2020

Maytree released the 2020 edition of the Welfare in Canada report. For each province and territory, this report provides data and analysis on the total welfare income that households receiving social assistance would have qualified for in 2020, including COVID-19 pandemic-related supports.

Welfare in Canada is a series that presents the total incomes of four example households who qualify for social assistance benefits in each of Canada’s provinces and territories in a given year.

Welfare in Canada, 2020 looks at the maximum total amount that a household would have received over the course of the 2020 calendar year, assuming they had no other source of income and no assets. Some households may have received less if they had income from other sources, while some households may have received more if they had special health- or disability-related needs.

The report looks at:

  • Social assistance program eligibility tests for assets and earned income;
  • How welfare incomes vary across Canada;
  • The components of welfare incomes in each province and territory;
  • Long-term changes in welfare incomes in each province and territory; and
  • The adequacy of welfare incomes in each province compared to poverty and low-income thresholds.

In addition, this year the report includes a new section that looks at the adequacy of welfare incomes in each province over time, an analysis that hearkens back to past reports prepared by the National Council of Welfare. Also, please note that this report measures the adequacy of welfare incomes relative to both the Market Basket Measure (MBM) – Canada’s Official Poverty Line – and the Deep Income Poverty threshold (MBM-DIP), which is equivalent to 75 per cent of the MBM. This analysis will replace the low-income threshold comparisons in future reports. We hope these additions will be helpful for those using the report.

In each jurisdiction, the total welfare income for which a household is eligible depends on its specific composition. For illustrative purposes, this resource focuses on the welfare incomes of four example household types:

  1. Unattached single considered employable;
  2. Unattached single with a disability;
  3. Single parent with one child, age two; and
  4. Couple with two children, ages ten and 15.



Office of the Superintendent of Bankruptcy Canada: Statistics and Research

The Office of the Superintendent of Bankruptcy Canada releases statistics on insolvency (bankruptcies and proposals) numbers in Canada.

The latest statistics released on November 4, 2020 show that the number of insolvencies in Canada increased in the third quarter of 2020 by 7.9% compared to the second quarter.



Impact of the COVID-19 pandemic on the NEET (not in employment, education or training) indicator, March and April 2020

A fact sheet released by Statistics Canada shows that, in March and April 2020, the proportion of young Canadians who were not in employment, education or training (NEET) increased to unprecedented levels.

The COVID-19 pandemic—and the public health interventions that were put in place to limit its spread—have affected young people in a number of ways, including high unemployment rates, school closures and education moving online.



Social Assistance Summaries

The Social Assistance Summaries series tracks the number of recipients of social assistance (welfare payments) in each province and territory. It was established by the Caledon Institute of Social Policy to maintain data previously published by the federal government as the Social Assistance Statistical Report. The data is provided by provincial and territorial government officials.



Providing one-on-one financial coaching to newcomers: Insights for frontline service providers

One-on-one financial help is a key financial empowerment (FE) intervention that Prosper Canada is working to pilot, scale and integrate into other social services, in collaboration with FE partners across the country. FE is increasingly gaining traction as an effective poverty reduction measure. FE interventions include financial coaching and supports that assist people to build money management skills, access income benefits, tackle debt, learn about safe financial products and services and find ways to save for emergencies.

This report shares insights on providing one-on-one financial coaching to newcomers captured through two financial coaching pilot projects that Prosper Canada conducted in collaboration with several frontline community partners.



Introducing the Financial Relief Navigator

In response to the COVID-19 pandemic and the complexities of the benefits and financial relief measures available to Canadians, we developed the Financial Relief Navigator (FRN), an online resource that helps vulnerable Canadians and those that work with them access critical emergency benefits and financial relief from governments, financial institutions, telecoms, utility and internet providers.

In this one-hour webinar you'll hear from Galen MacLusky and Janet Flynn of Prosper Canada who will give you an overview of the FRN and provide tips on how to support your clients to access critical benefits and financial relief. 

Click 'Get it' below to access the video link, and scroll down to access handouts, slides, and video timestamps for this webinar.

Access the Financial Relief Navigator here.



Presentation slides for this webinar

Handouts for this webinar
Introducing the Financial Relief Navigator (FRN)
Access the Financial Relief Navigator here.

Time-stamps for the video recording:
3:22 – Agenda and Introductions
6:00 – Audience poll
9:00 – Why we created the Financial Relief Navigator (Speaker: Janet Flynn)
11:55 – What’s in the Financial Relief Navigator (Speaker: Janet Flynn)
16:35 – FRN Walkthrough using a Persona (Speaker: Galen McLusky)
33:15 – Tips for using the FRN (Speaker: Galen McLusky)
36:00 – The Working Centre experience using the FRN (Speaker: Sue Collison)
41:15 – Q&A

Managing in Tough Times: COVID-19 Toolkit

This toolkit contains resources and information which may offer support to organizations, agencies, or frontline staff supporting individuals, during a challenging time. This toolkit was developed in response to the coronavirus COVID-19 pandemic and more resources will be added as they become available. If you have a resource or would like to submit tips to be included in a future addition, please write to: [email protected].

Added on Feb 26, 2021: Answers to your questions about paying back CERB - Canada Revenue Agency
Added on Feb 11, 2021: Tax information for Indigenous peoples - Government of Canada



This section will be updated as more actions are taken in response to COVID-19.

Government of Canada information
(Information on the current situation, health and safety, financial and economical support)
Income tax filing and payment deadlines – Canada Revenue Agency
Free tax clinics go virtual – Canada Revenue Agency
Changes to taxes and benefits – CRA and COVID-19 – Canada Revenue Agency

Canada’s COVID-19 Economic Response Plan – supports available for individuals and businesses – Department of Finance Canada (updated)
Coronavirus disease (COVID-19) – Employment and Social Development Canada (ESDC) –
(Information on EI, Labour Program, Passport Services, Canada Student Loans)
COVID-19: How FCAC is responding – Financial Consumer Agency of Canada (FCAC)
COVID-19: Warning of potential financial fraudsters – Financial Consumer Agency of Canada (FCAC)
COVID-19 student loan adjustments – National Student Loan Centre
Applicants Guide – Social Insurance number (applications now by mail only) – ESDC
Coronavirus disease (COVID-19) – Government of Canada

Service Canada service adjustments
Contact info during COVID-19 – Service Canada
Alternative Service Canada e-services delivery link – Service Canada
Applying for Employment Insurance – Important Notice (English) – Service Canada
Informations importantes pour présenter une demande d’assurance-emploi (Francais) – Service Canada
Service request online form – Service Canada

Non-government Canadian resources
COVID-19: Resources for Workers and Renters – Canadian Centre for Policy Alternatives (CCPA)
COVID-19 – Updates on the Law and Legal Services (Ontario) – Steps to Justice
Canada’s Six Biggest Banks Take Decisive Action to Help Customers Impacted by COVID-19 – Canadian Bankers Association (CBA)
Mental Health and the COVID-19 Pandemic – The Centre for Addiction and Mental Health (CAMH)
Financial help for Canadians affected by COVID-19 – CBC News
Indigenous Community Support Fund – Government of Canada
Resources for non-profits during COVID-19 – Prosper Canada resource collection

Financial Relief Navigator tool (Prosper Canada)

Canada recovery benefits
Answers to your questions about paying back CERB – Canada Revenue Agency
News release: CERB repayments for self-employed individuals – Government of Canada
After CERB: Transitioning to new benefits – Government of Canada
Canada Recovery Benefit (CRB) – Canada Revenue Agency
Canada Recovery Sickness Benefit (CRSB) – Canada Revenue Agency
Canada Recovery Caregiving Benefit (CRCB) – Canada Revenue Agency

Canada Emergency Response Benefit (CERB)
Apply for Canada Emergency Response Benefit (CERB) with CRA – Canada Revenue Agency (CRA)
Canadian Emergency Response Plan (CERB info sheet) – Government of Canada
Canadian Emergency Response Plan – French (CERB info sheet in French) – Government of Canada

What is the CERB? – Prosper Canada
FAQ: Canada Emergency Response Benefit – Prosper Canada (updated June 10th)
CERB: What you need to know about cashing your cheque – FCAC
COVID-19 Benefits (summary, includes Ontario) – CLEO/Steps to Justice
COVID-19 and Income Assistance – CLEO/Steps to Justice

GST/HST credit and Canada Child Benefit
COVID-19 – Increase to the GST/HST amount – Government of Canada
Canada Child Benefit Payment Increase – Government of Canada
Benefits payments for eligible Canadians to extend to Fall 2020 – Government of Canada

Support for students
Support for students and recent graduates – Government of Canada
Canada Emergency Student Benefit (CESB) – Government of Canada

General emergency government benefits information
COVID-19 measures to help Canadians (benefits and credits factsheet) – Government of Canada
COVID 19 measures: Money to help you (child family benefits factsheet) – Government of Canada
COVID 19 measures: Money to help you – French (child family benefits factsheet in French) – Government of Canada
COVID-19 Economic Response Plan (supports for individuals factsheet) – Government of Canada
COVID-19 Economic Response Plan – French (supports for individuals factsheet in French) – Government of Canada
Changes to taxes and benefits: CRA and COVID-19 – Government of Canada
Summary of Financial Benefits Under Canada’s COVID response plan (Multi-language) – Refugee Sponsorship Training Program

Support for organizations and businesses
Canada Emergency Rent Subsidy (CERS) Calculator – CRA
Canada Emergency Wage Subsidy – Your questions asked – Imagine Canada
COVID-19 Emergency Support to Community Organizations (Infographic) – Government of Canada
COVID-19 Aide D’Urgence Aux Organismes Communautaires (infographie) – Government of Canada

Alberta
Financial Supports for People Impacted by COVID-19 – Momentum
3 Tax Filing Changes that Everyone Should Know – Momentum
Alberta’s COVID-19 response – Government of Alberta

British Columbia
BC Emergency Benefit for Workers – Government of British Columbia
New emergency fund for parents of children with disabilities – Government of British Columbia
New mental health supports and virtual counselling – CAMH British Columbia
Mental Health and COVID-19 | HealthLink BC – Government of British Columbia
Staying Safe at Work – WorkSafe BC
BC Crisis Supplement – Government of British Columbia

Manitoba
Province of Manitoba COVID-19 Information and Support – Government of Manitoba

New Brunswick
Quick Reference Guide – Support for New Brunswick Workers and Students – NBjobs.ca, Government of New Brunswick

Newfoundland and Labrador
COVID-19 updates, FAQs, supports – Government of Newfoundland & Labrador
Public Advisory: Information for Income Support Clients Regarding the Canada Emergency Response Benefit – Government of Newfoundland & Labrador

Northwest Territories
COVID-19 information – Health and Social Services NWT
Backgrounder: Wave 2 Economic Relief Measure details – Government of NWT

Nova Scotia
Novel coronavirus – Information and support for Nova Scotians – Government of Nova Scotia
Some social assistance recipients qualify for CERB payments – The Nova Scotia Advocate
EnergyAssist – free energy programs in Nova Scotia
Government of Nova Scotia programs, services and information

Nunavut
Nunavut’s Path: Living with COVID-19 – Department of Health Nunavut

Ontario
COVID-19: Support for people – Government of Ontario
Increase to Ontario GAINS payments for seniors – Government of Ontario
COVID-19 resources: Information about government programs, income support, housing support, and more – Social Planning Toronto
COVID-19 Resources – Association of Municipalities of Ontario
COVID-19 – Updates on the Law and Legal Services – Steps to Justice
COVID-19 current support for social assistance recipients – Ontario Ministry of Community and Social Services
COVID-19 and Income Assistance – CLEO/Steps to Justice

Prince Edward Island
COVID-19 information, updates, support for business and workers – Government of PEI

Saskatchewan
Support for Businesses and Workers – Government of Saskatchewan

Quebec
COVID-19 – Financial assistance for workers – Government of Quebec
COVID-19 – Tout savoir sur les mesures en place pour les consommateurs – Union des Consommateurs

Yukon
Information about COVID-19 – Yukon.ca
Canada Emergency Response Benefit to be exempted from Yukon Social Assistance – Yukon.ca

All
Overview of Government Responses to COVID-19 – FP Canada
How does COVID-19 relief differ across Canada? – Canada’s National Observer (dated March 30, 2020)
Summary of Property Tax Deferrals in Canada – creditcardGenius

Budgeting resources
Five different budgeting methods – Prosper Canada
Cash flow budget template – PDF – Prosper Canada
Cash flow budget template – fillable PDF – Prosper Canada
Simple budget template – PDF – Prosper Canada
Simple budget template – fillable PDF – Prosper Canada
Ten ways to trim expenses – Prosper Canada
Ways to save at the grocery store – Prosper Canada
5 budgeting app ideas – Prosper Canada

COVID vs Personal Budget tool – EBO Ottawa
Managing COVID-19 financial stress – Mental Health Commission
COVID-19 Aid and Recovery Education (CARE) packages – CPA Canada *NEW
COVID-19 Aid and Recovery Education (CARE) packages in French – CPA Canada *NEW

Tracking spending/bills
Expenses tracking sheet – PDF – Prosper Canada
Expenses tracking sheet – fillable PDF – Prosper Canada
Tracking fluctuating expenses – Prosper Canada
Prioritizing Bills tool – Consumer Financial Protection Bureau (CFPB)
Spending tracker tool – CFPB
Cutting expenses tool – CFPB

Online budgeting tools
Budget Planner (free) – Financial Consumer Agency of Canada (FCAC)
Budget Calculator Spreadsheet (downloadable Excel sheet) – MyMoneyCoach.ca
Spending Habits Calculator – GetSmarterAboutMoney.ca

Action planning

Guide for talking to creditors – Prosper Canada
Steps to debt repayment – Prosper Canada

Managing bills and debt during an emergency – Prosper Canada

More resources
Options you can trust to help with your debt – Office of the Superintendent of Bankruptcy
Credit Counselling Canada – for 1:1 debt counselling support
Resources to help during COVID-19 – Credit Counselling Society
Debt Help / COVID-19 Resource Centre – Credit Canada
Financial Relief in Canada during the coronavirus pandemic – Credit Counselling Society
COVID-19 Resource Centre; legal and business information – Torkin Manes
Covid and Credit – Equifax Canada

Coaching during an emergency
Managing during an emergency: Tips for individuals – Prosper Canada
Thrive Even When Life Feels Chaotic and Uncertain – Momentum
Financial coaching at a distance: Tips for practitioners – Prosper Canada
Going virtual with your financial consultations – CFPB

Coaching skills and tools
Coaching skills: Active listening – Prosper Canada
Coaching skills: The art of acknowledgement – Prosper Canada
COACH-ing moments – Prosper Canada
Mind mapping (to support brainstorming) – Prosper Canada
‘Plan, do, review’ action planning template – Prosper Canada

Technology support
Connected Canadians (technology support for seniors)
Youth teaching adults – ABC Literacy

Banking
No-cost and low-cost bank accounts in Canada – FCAC
Account comparison tool – FCAC
What do do if you’re facing financial hardship (Includes bank fees which may be refunded) – FCAC

Frauds and scams
CERB and other COVID-19 scams – Prosper Canada (NEW!)
Escroqueries liées à la PCU et autres fraudes courantes durant la pandémie de COVID-19 – Prospérité Canada (NEW!)

COVID-19 fraud – Canadian Anti-Fraud Centre
COVID-19 specific frauds and scams – CanAge

Virtual asset safety/future planning
Tips to create a plan for your digital assets – CFPB

Resources for supporting seniors
COVID-19 specific frauds and scams – CanAge
COVID-19: Support for Seniors – CARP
COVID-19 Updates – Money Matters: Benefits, Taxes, Banking, Financial Relief, and Scams – The Council of Aging in Ottawa
Increase to Ontario GAINS payments for seniors – Government of Ontario
Changes to GIS and public pensions under COVID-19 – Government of Canada
New Horizons program for seniors – Government of Canada
New supports for seniors announced (May 12) – Prime Minister’s Office

Resources for supporting newcomers
Coronavirus: Financial assistance for newcomers, temporary residents, and refugees – Government of Canada
Summary of Financial Benefits Under Canada’s COVID response plan (Multi-language) – Refugee Sponsorship Training Program
Information for Newcomers – Settlement.org
Ontario Council of Agencies Serving Immigrants (OCASI)

Resources for Indigenous people
Tax information for Indigenous peoples – Government of Canada
Indigenous income tax issues – Government of Canada
Coronavirus (COVID-19) and Indigenous communities – Government of Canada

Resources for people with disabilities
COVID-19 Measures for Persons with Disabilities (DTC info sheet)- Canada Revenue Agency (CRA)
COVID-19 Measures for Persons with Disabilities – French (DTC info sheet in French) – Canada Revenue Agency (CRA)
Disability Tax Credit Tool – Disability Alliance BC
Disability Inclusion Analysis of Government of Canada’s Response to COVID-19 (report and fact sheets) – Live Work Well Research Centre

Homeless Supports – Social Planning TO (Toronto)

Resources: Coronavirus COVID-19 – Canadian Network for the Health and Housing of People Experiencing Homelessness (CHH3)

A Pandemic Response and Recovery Toolkit for Homeless System Leaders in Canada (Canadian Alliance to End Homelessness)
Disaster Recovery Toolkit – Department of Housing and Urban Development, USA (HUD)



Community Volunteer Income Tax Program (CVITP) provincial snapshots

This infographics from the Community Volunteer Income Tax Program (CVITP) show information about the program by province for the tax filing year 2019, including number of returns filed and amount of refunds and benefits accessed. 

The information is presented in English and French.

Les informations sont présentées en anglais et en français.



Welfare in Canada, 2018

These reports look at the total incomes available to those relying on social assistance (often called “welfare”), taking into account tax credits and other benefits along with social assistance itself. The reports look at four different household types for each province and territory. Established by the Caledon Institute of Social Policy, Welfare in Canada is a continuation of the Welfare Incomes series originally published by the National Council of Welfare, based on the same approach.



Urban Spotlight: Neighbourhood Financial Health Index findings for Canada’s cities

This report examines the financial health and vulnerability of households in Canada’s 35 largest cities, using a new composite index of household financial health at the neighbourhood level, the Neighbourhood Financial Health Index or NFHI. The NFHI is designed to shine a light on the dynamics underlying national trends, taking a closer look at what is happening at the provincial/territorial, community and neighbourhood levels.

Update July 22, 2022: Please note that the Neighbourhood Financial Health Index is no longer available



Financial Empowerment for Newcomers infographic

This infographic displays data gathered from interviewing 53 newcomer participants in three provinces (Saskatchewan, Ontario, and Newfoundland) between August and October 2017. Learn more about the stages of newcomer settlement, key money topics and experiences of newcomers, and three types of newcomer client personas.