Discover financial empowerment resources
Discover financial empowerment resources
The Income Assistance Program provides Financial Assistance to Northerners to help meet basic and enhanced needs. The program encourages and supports greater self-reliance to improve the quality of lives. This plain language handbook is for people who may want to play for Income Assistance. It...

This report provides quantitative and qualitative data about the experience of hunger and poverty in Toronto during COVID-19. Based on phone surveys with over 220 food bank clients in May and June 2020 and an analysis of food bank client intake data, the report demonstrates that COVID-19 has led to...

This publication explains a worker’s legal rights under the Employment Standards Act regarding hours of work and pay, overtime, breaks, holidays and vacations, and leave from your job. It also has information about how to make a claim against an...

This resource provides a list of free legal information resources produced by Community Legal Education Ontario...

Ontario tenants who have fallen behind on their rent because of COVID-19 will need provincial help to stay housed when the current eviction ban is lifted. A new analysis calls for targeted rent relief, a gradual easing of the eviction ban, and a reintroduction of rent...

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...

Narrowing the definition of disability used by the Ontario Disability Support Program (ODSP) could have serious implications. Improving the program’s assessment process would yield better results for applicants, Ontario's social safety net, and the government. This report explores the role of...

Benefits and credits provide income and financial support for many individuals. This toolkit contains information on common tax credits and benefits, benefits for specific populations, and practitioner resources including case studies and information on identification documentation for accessing...

The engagement of Canadians with lived experiences of poverty in government consultations on poverty reduction is critical. But as hard as governments work to try to include people living in poverty as full participating members in their consultation processes, there are many barriers that continue...
This paper focuses on proposed system transformation in Ontario Works, and explores the possibilities and limitations associated with the proposed changes in 2018. First, it looks at the broader context within which the government’s social assistance reforms are taking place. Second, it provides...

This resource provides a directory of community legal clinics in Ontario. Community legal clinics provide information, advice, and representation on various legal issues, including social assistance, housing, refugee and immigration law, employment law, human rights, workers' compensation,...

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....

Across Canada, homelessness has always existed but with the creation of statistical reporting across the country the awareness of the pressure this puts on Canadian society is more apparent. The statistics on homelessness are staggering and understanding the path to homelessness, included by those...

This brief discusses the savings penalties in public assistance programs in the United States, also known as asset limits, and that actions that can be taken to eliminate these limits and the barriers towards building savings for families living on low...

This infographic from Statistics Canada shows the median after-tax income of households, by province, as of 2016. It also shows changes in median government transfers, and number of people living on low incomes according to the after-tax low income...

This is a presentation explaining the ODSP support program for people living with disabilities. Exact publication date is...
In recent years, many states and some local governments implemented or expanded their own, supplemental Earned Income Tax Credit (EITCs). The expansion of state EITCs may have stemmed in large part from wanting to provide a more generous program than the federal program, because state EITCs...
The disability income system is an agglomeration of disparate programs that were designed for distinct purposes. That reality would not actually be a bad thing if at least all the pieces worked well together. A new Basic Income for persons with disabilities would enable the reform of both the...
Deciding which financial capability services to provide clients begins with understanding how clients currently manage their financial lives. Tool 1 in Building Financial Capability: A Planning Guide for Integrated Services (http://1.usa.gov/1FxrLnE) helps you analyze clients’ current financial...
This brief examines the financial challenges confronting low-income older adults, with a focus on housing costs. It estimates the share of adults who have inadequate income, reports their income sources, and describes their spending patterns. Data come from the American Community Survey and the...
While the recession may technically draw to a close in the third quarter, its reverberations will be felt for some time. Most notably, recovery will be sluggish relative to that in the wake of past recessions. Unemployment will continue to rise into 2010 as re-hiring proceeds slowly and more...
Good public policy matters and has been effective in reducing child poverty. Indeed, without government transfers over 2 million children would live in poverty. However, to date, policy inputs against poverty have been small and poverty reduction too limited. History has shown us that no one-off...
This report was conducted by the Manitoba Centre for Health Policy (MCHP) at the request of the Healthy Child Committee of Cabinet (HCCC) and Manitoba Health, Seniors and Active Living (MHSAL). It presents valuable current and cross-departmental information to inform the continued development,...
There has been a resurgence of political interest in Canada in the rather old idea of a universal basic income, sometimes called a guaranteed annual income. Essentially, a basic income is a “no strings attached” transfer from government to individuals or families that can be simpler to...
Recent point-in-time homeless counts in Metro Vancouver and City of Vancouver indicate a growing number of people experiencing homelessness in our community. Despite government investments in social housing and rent supplements, more people are homeless in Metro Vancouver than ever before....