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Discover financial empowerment resources

Search this library to find research and resources from across the financial empowerment field.
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Six key takeaways from Welfare in Canada, 2023

Interpreting the data: Key takeaways from Welfare in Canada, 2023. For nearly 40 years, the annual Welfare in Canada series and its predecessors have documented the depth of poverty that persists for people receiving social assistance. The 2023 edition builds on this work to provide a...

Topic: Financial well-being
Author: Jennefer Laidley, Mohy Tabbara
Publisher: Maytree
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Welfare in Canada, 2023

The Welfare in Canada 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...

Topic: Financial well-being
Author: Jennefer Laidley, Mohy Tabbara
Publisher: Maytree
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Social Assistance Summaries

Maytree recently published the latest count of social assistance recipients in Canada. Learn how many people in each province or territory were receiving social assistance in 2022-23, and how those numbers have changed over...

Topic: Research and evaluation
Author: Mohy Tabbara
Publisher: Maytree
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Welfare in Canada, 2022

The Welfare in Canada 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...

Topic: Financial well-being
Author: Jennefer Laidley, Mohy Tabbara
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Welfare in Canada, 2021

Using data provided by provincial and territorial government sources, Welfare in Canada, 2021 describes the components of welfare incomes, how they have changed from previous years, and how they compared to low-income thresholds. Access the report here.  During the launch event, the report’s...

Topic: Financial well-being
Author: Jennefer Laidley, Mohy Tabbara
Publisher: Maytree
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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...

Topic: Research and evaluation
Author: Mohy Tabbara
Publisher: Maytree
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Singles in deep poverty neglected by pandemic supports

In 2020, the federal government spent over $160 billion on COVID-19 pandemic response measures. These expenses were critical in supporting recently unemployed workers and affected businesses in a time of uncertainty. However, supports through programs like the Canada Emergency Response Benefit...

Topic: Financial behaviour/decisions
Author: Garima Talwar Kapoor, Jennefer Laidley, Mohy Tabbara
Publisher: Policy Options / Options Politiques
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Canada’s Forgotten Poor? Putting Singles Living in Deep Poverty on the Policy Radar

This report presents the findings of extensive research about employable singles on social assistance undertaken by Toronto Employment and Social Services, in partnership with the Ontario Centre for Workforce Innovation. Drawing on data from 69,000 singles who were receiving social assistance in...

Topic: Poverty issues
Author: Christine Carrasco, Dean Herd, Yuna Kim
Publisher: IRPP
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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...

Author: Maytree
Publisher: Maytree
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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....

Topic: Tax filing and benefits
Author: Anne Tweddle, Hannah Aldridge
Publisher: Maytree
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Social and political attitudes of people on low incomes

People living on low incomes have historically been excluded from politics and policy debates, even when the question at hand is how poverty can be reduced or its impacts mitigated. The aim of this research was to explore how people on low incomes perceive politics, understand how far they feel...

Topic: Financial behaviour/decisions, Financial well-being
Author: Allison Dunatchik
Publisher: Josef Rountree Foundation
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2016 BC Child Poverty Report Card

This is a report on child poverty in British Columbia and connections to the working poor, employment insecurity, living on low incomes, and gives policy recommendations to respond to this...

Topic: Poverty issues
Author: First Call BC
Publisher: First Call - BC Child and Youth Advocacy Coalition
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Do you know a woman who is being abused? A legal rights handbook.

This handbook is a guide to the legal system for women in Ontario who are in abusive relationships. The legal system is constantly changing. Each situation is unique and requires different solutions. For legal advice about your situation, you should speak with a...

Topic: Financial well-being
Author: CLEO - Community Legal Education Ontario
Publisher: CLEO - Community Legal Education Ontario
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Resource Guide: Lifting Asset Limits in Public Benefit Programs

Many public benefit programs – such as cash welfare and Medicaid – limit eligibility to those with few or no assets. If individuals or families have assets exceeding the state’s limit, they must “spend down” longer-term savings in order to receive what is often short-term public...

Topic: Asset building and saving
Author: Prosperity Now (formerly CFED)
Publisher: Prosperity Now (formerly CFED)
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Encouraging Savings for Public Benefit Recipients, a Win for Families and States

These are the webinar slides from the CFED webinar on asset limits and savings possibilities for Americans on social assistance. The webinar highlights findings from 3 research studies that explore asset limits and household financial security; discusses policy changes to asset limits and their...

Topic: Asset building and saving
Author: Prosperity Now (formerly CFED)
Publisher: Prosperity Now (formerly CFED)
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Welfare Re-form: The Future of Social Policy in Canada

This paper is the text of an address delivered by Sherri Torjman at the conference Welfare Re-form: The Future of Social Policy in Canada held on October 24 and 25, 2013, in Regina. The conference was sponsored by the Johnson-Shoyama Graduate School of Public Policy at the University of...

Topic: Financial well-being
Author: Ken Battle, Sherri Torjman
Publisher: Caledon Institute of Social Reform
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The destructive legacy of housing segregation

The rise of economic inequality has become a staple of policy debates and stump speeches. Less visible is the way the rise has altered the landscape of America’s urban neighborhoods. Two books should help change that. Matthew Desmond, an urban sociologist at Harvard, has delivered a jolt with...

Topic: Housing and homelessness
Author: Patrick Sharkey
Publisher: The Atlantic
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Asset Building and the Escape from Poverty: A New Welfare Policy Debate

Asset Building for low–income people through matched savings challenges the focus of traditional poverty-alleviation strategies on income support to enable the poor to escape from poverty and improve their economic and social status. It does not deny the necessity nor the benefits of such support...

Topic: Asset building and saving
Author: OECD - Organisation for Economic Cooperation and Development
Publisher: OECD - Organisation for Economic Cooperation and Development
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The Dollars and Sense of Solving Poverty

Poverty is costing us too much. The National Council of Welfare provided examples in its 2002 report on the Cost of Poverty. In 2006, in Solving Poverty: Four Cornerstones of a Workable National Strategy for Canada, we outlined a governance model based on long-term vision, plans and budgets,...

Topic: Poverty issues
Author: Government of Canada
Publisher: Government of Canada
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Estimates of the asset-effect: the search for a causal effect of assets on adult health and employment outcomes

In this paper we seek to determine the effect of assets held in early adult life on later outcomes. We specifically look at wages, employment prospects, general health and malaise. We employ a number of statistical techniques in our search for the causal effect of assets on adult health and...

Topic: Asset building and saving
Author: Abigail McKnight
Publisher: London School of Economics
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The Town with No Poverty: The Health Effects of a Canadian Guaranteed Annual Income Field Experiment

This paper has two purposes. First, it documents the historical context of MINCOME, a Canadian guaranteed annual income field experiment (1974 to 1979). Second, it uses routinely collected health administration data and a quasi-experimental design to document an 8.5 percent reduction in the...

Topic: Poverty issues
Author: Evelyn L. Forget
Publisher: Canadian Public Policy
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Monthly household income volatility in the U.S., 1991/92 vs. 2002/03

We investigate changes in monthly income volatility in non-elderly households in the U.S. since the early 1990s. Using the Survey of Income and Program Participation (SIPP), we find that monthly income volatility is highest for lower income households, and that it increased substantially for these...

Topic: Financial well-being
Author: Laura Leete, Neil Bania
Publisher: Economics Bulletin
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In from the Margins: A Call to Action on Poverty, Housing and Homelessness

Assigned the task of studying social conditions in Canadian cities, the Standing Senate Committee on Social Affairs, Science and Technology‘s Subcommittee on Cities chose to begin with people whose lives in those cities are marginalized by poverty, housing challenges and even homelessness. The...

Topic: Housing and homelessness
Author: The Standing Senate Committee on Social Affairs
Publisher: Senate of Canada
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