Built for the Canadian benefits system
You may be missing benefits you qualify for
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Complete list
Browse A–Z ↓
All 178 programs, alphabetically.
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Region picks fill in the region question in the check — everything still runs on your device.
51 results for “CPP” · plus 4 good-to-know notes ·
Canada-wide (federal) · Annual
RDSP
- Needs the DTC first
$200k room · Bond pays ≤$1,000/yr with ZERO saved
Open after DTC approval — even with no savings, the Bond deposits free money.
Savings & one-time
Canada-wide (federal) · Monthly
Canada Disability Benefit — needs the federal DTC first
- Needs the DTC first
+$204.20/mo once you hold the DTC
Your provincial benefit does NOT automatically give you the federal DTC — certifying form T2201 unlocks this on top.
Monthly money
Canada-wide (federal) · Annual
RDSP Grant & Bond
- Needs the DTC first
Grant match ≤$3,500/yr · Bond ≤$1,000/yr
A long-term savings plan for a person approved for the DTC; contributions are not tax-deductible, but investment growth compounds tax-deferred, and government Grant/Bond money is p
Savings & one-time
Canada-wide (federal) · Monthly · 2 versions
Canada Disability Benefit
- Needs the DTC first
$204.20/mo
$204.20/mo (tapers out ~$32.5k)
The Canada Disability Benefit is a federal, income-tested monthly supplement created by the Canada Disability Benefit Act (Bill C-22, royal assent June 2023) and administered by Se
Monthly money
Also filed as canada-disability-benefit-ca — same program, different conditions.Canada-wide (federal) · 2 versions
Canadian Dental Care Plan
sliding co-pays by income tier
sliding co-pays
A federal dental coverage plan administered by Sun Life (for Employment and Social Development Canada), phased in from May 2024 (seniors first) and opened to all eligible residents
Health costs
Also filed as canadian-dental-care-plan-ca — same program, different conditions.Saskatchewan · Monthly
Seniors Income Plan
≤$360/mo
SIP provides monthly income assistance to seniors with little or no income other than federal Old Age Security (OAS) and Guaranteed Income Supplement (GIS).
Monthly money
Saskatchewan
Seniors' Drug Plan
$25/Rx after small deductible
Eligible seniors 65+ pay $25 per prescription for drugs on the Saskatchewan Formulary or approved under Exception Drug Status.
Health costs
New Brunswick · Annual
NBPDP Seniors Plan A
$9.05/Rx · $500/yr cap on GIS
NB residents with a valid Medicare card who qualify for the NBPDP include seniors, nursing home residents, adult residential facility residents, correctional facility inmates, peop
Health costs
Canada-wide (federal) · Monthly
CPP-D (CPP disability)
≤$1,741.20/mo + children's benefit
A monthly payment for contributors under 65 with a severe and prolonged physical or mental disability that prevents them from working regularly at any substantially gainful occupat
Work & injury
Canada-wide (federal)
Canada Workers Benefit + disability supplement
refundable credit while working low-income
Canada caregiver amount — $2,687 (2025): added when claiming an infirm spouse/partner (line 30300), an infirm dependant 18+ on line 30400, or each infirm child under 18 (line 305
Tax filing
Newfoundland and Labrador
NLPDP drug plans
5 plans by condition/income
Five plans providing drug coverage to residents; the NLPDP is payor of last resort (pays only when no third-party insurer covers you).
Health costs
Canada-wide (federal)
Muscular Dystrophy Canada
Varies by program (equipment, travel, community support)
National charity (muscle.ca) supporting people with neuromuscular disorders. Equipment program is fully funded by Fire Fighters' donations.
Health costs
Canada-wide (federal)
Jordan's Principle (child-first funding)
24/7 line 1-855-JP-CHILD · broad scope
Can fund what other programs refuse — services, equipment, travel.
Families & kids
Saskatchewan · 2 versions
SAID
- Needs the DTC first
Tier rates
Tier A/B rates eff. Sept 1 2026
New Disability Impact Assessment decides tier — apply through SAID.
Monthly money
Also filed as said — same program, different conditions.Manitoba
Manitoba disability assistance (MSPD)
- Needs the DTC first
$580.94 + shelter ≤$780
Severe & prolonged + financial test; instant routes via CLDS/CPP-D.
Monthly money
Newfoundland and Labrador · Monthly
NL Disability Benefit (needs DTC first)
- Needs the DTC first
≤$400/mo
CRA-administered; requires an approved federal DTC.
Monthly money
Canada-wide (federal) · Monthly · 2 versions
Child Disability Benefit
≤$290/mo per disabled child
≤$290/mo (income-tapered)
A tax-free monthly payment for families caring for a child under 18 with a severe and prolonged impairment.
Families & kids
Also filed as child-disability-benefit-ca — same program, different conditions.Canada-wide (federal) · Monthly
Old Age Security
monthly pension
OAS payments adjust quarterly (January/April/July/October) with CPI; they never decrease if prices fall.
Monthly money
Canada-wide (federal) · Monthly · 2 versions
Guaranteed Income Supplement
≤$1,123/mo single
≤$1,123/mo single
Old Age Security is the residence-based pension most Canadians 65+ receive; the Guaranteed Income Supplement tops it up for low-income OAS recipients — single recipients with…
Monthly money
Also filed as guaranteed-income-supplement-ca — same program, different conditions.Canada-wide (federal)
CGEB quarterly credit (ex-GST/HST)
quarterly payments
Major change for the July 2026 payment year: the GST/HST credit has been replaced by the Canada Groceries and Essentials Benefit (CGEB).
Tax filing
Canada-wide (federal)
NIHB — Non-Insured Health Benefits
drugs · dental · vision · medical transport
Payer of LAST resort — provincial plans billed first where they exist.
Health costs
British Columbia
BC Senior's Supplement
$99.30 single / $110.25 couple
A monthly provincial top-up for BC residents 65+ receiving federal OAS/GIS (or the Allowance/Allowance for the Survivor) whose federal income falls below a guaranteed level.
Monthly money
Alberta
FSCD (children's disability services)
needs-based, NOT income-tested
Statutory program (*FSCD Act* and Regulation) delivered by Disability Services; helps families plan, coordinate and pay for some extraordinary disability-related costs while parent
Families & kids
Quebec
RAMQ premium waiver (exonération)
public drug premium FREE
Certain groups are covered free of charge, with no premium: - Children under 18 (and students 18–25 studying full-time, domiciled with parents, without spouse or private plan) of p
Health costs
Nova Scotia
Seniors' Pharmacare
FREE premium under $22,986 single
Nova Scotia Pharmacare (administered for the Department of Health and Wellness by Medavie Blue Cross) runs several plans; a person eligible for more than one must choose which appl
Health costs
Prince Edward Island
PEI Pharmacare suite
Generic $19.95 cap · Catastrophic caps
PEI runs ~25 targeted public drug programs rather than a universal plan; coverage depends on age, income, or medical condition. The most relevant:
Health costs
Newfoundland and Labrador · Monthly
NL Disability Benefit
- Needs the DTC first
≤$400/mo — stacks on federal CDB
The province's flagship disability income program (announced June 2024, effective July 2025), designed to achieve a basic income for persons with disabilities when stacked with the
Monthly money
Yukon · Northwest Territories · Nunavut
Yukon Seniors Income Supplement
see file
YYSIS increases monthly income by $288.61, calculated by the Government of Canada from your Guaranteed Income Supplement amount.
Monthly money
Yukon · Northwest Territories · Nunavut · Annual
Nunavut Senior Fuel Subsidy
2,500–4,000 L fuel/yr
Senior Citizen Supplementary Benefit (SCSB): a monthly supplementary payment for low-income seniors that Nunavut adds automatically to the federal OAS cheque under an agreement w
Housing
Canada-wide (federal)
Access 2 Card
support person FREE at 500+ venues · $25/3yrs
Cineplex is a founding partner of the Access 2 Program (administered by Easter Seals Canada).
Discounts & freebies
Canada-wide (federal)
CELA accessible library
free audiobooks/braille via library card
Self-declaration — no doctor's note needed.
Discounts & freebies
Ontario
Hamilton HSR Fare Assist
50% off single rides — permanent since Jan 1 2026
LICO table starts $30,255 (1 person).
Getting around
Newfoundland and Labrador
FREE Metrobus passes
$0 transit for Income Support recipients & GIS seniors
One of the best deals in Canada — entirely free.
Getting around
Canada-wide (federal)
EI Sickness Benefits
up to 26 weeks at 55% of wages
Duration: up to 26 weeks if unable to work for medical reasons (illness, injury, quarantine or any medical condition preventing work); medical certificate required.
Work & injury
Canada-wide (federal)
Allowance (60–64, spouse on OAS+GIS)
top-up payment
OAS payments adjust quarterly (January/April/July/October) with CPI; they never decrease if prices fall.
Monthly money
Canada-wide (federal)
CGEB quarterly credit
quarterly payments
Major change for the July 2026 payment year: the GST/HST credit has been replaced by the Canada Groceries and Essentials Benefit (CGEB).
Tax filing
Canada-wide (federal)
Interim Federal Health Program
basic coverage free · supplemental tiers
What it is: temporary federal health coverage for people who aren't yet covered by a provincial or territorial health plan — it bridges the gap until provincial insurance kicks in
Health costs
Alberta
AAHB / ACHB health coverage
drugs · dental · vision · ambulance
Standalone supplementary health plans for low-income households not on Income Support/AISH.
Health costs
Quebec · Monthly
RRQ invalidité (QPP disability)
≤$1,737.67/mo
Administered by Retraite Québec.
Monthly money
Quebec
Allocation-logement
shelter allowance
A financial benefit for families and people aged 50+ to help pay rent. Eligible households receive $100, $150 or $170 per month.
Housing
Nova Scotia · Annual
Seniors' Pharmacare (higher incomes)
30% copay capped $382/yr
Nova Scotia Pharmacare (administered for the Department of Health and Wellness by Medavie Blue Cross) runs several plans; a person eligible for more than one must choose which appl
Health costs
Canada-wide (federal) · Monthly
Low-cost internet (Rogers CfS / TELUS Internet for Good)
$9.99–$34.99/mo
Rogers Connected for Success offers low-cost home internet (and TV bundles and mobile plans) to people on income support and disability benefits.
Discounts & freebies
Ontario
March of Dimes HVMP (ON)
$15k home + $15k vehicle modifications
National registered charity serving people with disabilities across Canada. Head office: 10 Overlea Blvd, Toronto.
Getting around
Canada-wide (federal)
Meal Delivery: Meals on Wheels
Meals on Wheels London (ON): fresh meal with dessert is $8.95, dropping to $6.
There is no single national price — Meals on Wheels in Canada is a patchwork of local nonprofits with local pricing, and several use income-based subsidy models rather than…
Discounts & freebies
British Columbia
SPARC BC accessible parking permit
permit (fee applies)
⚠️ SPARC is a nonprofit, not government.
Getting around
Canada-wide (federal) · Monthly
Hidden wireless accessibility rebates
Bell/Rogers/TELUS $20/mo · Fido $10 · Koodo 25% · SaskTel $15 · TBayTel 50% · Vidéotron $20
Mostly UNADVERTISED — call and ask for the 'accessible plan discount'.
Discounts & freebies
Good to know (4)
Not programs to apply to — notes and tools worth knowing about.
Note
Alberta claws back the federal CDB
Only province that offsets it — factor into budgeting.
Helpful tool
Benefits Wayfinder + canada.ca Benefits Finder
Benefits Finder (Government of Canada) — a filter-based tool that matches you against the federal catalogue (157+ programs) by support type (retirement, disability, job loss, housi
Note
OAS (residence rule check)
OAS payments adjust quarterly (January/April/July/October) with CPI; they never decrease if prices fall.
Note
Gyms: GoodLife, Fit4Less, Movati
Honest finding: none of the big private gym chains offers a disability or income-based discount.
These pages give general facts, not a CRA or provincial decision. Amounts checked September 2026 — each program links to its official page, and amounts and rules can change.