You may be missing benefits you qualify for

Canada-wide (federal) · Annual

Disability Tax Credit (T2201)

credit up to $10,138/yr · retroactive 10 yrs

Your diagnosis route starts here — a doctor certifies form T2201. Unlocks RDSP + more.

Tax filing

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)

Veterans Affairs disability benefits

pain-and-suffering compensation + allowances

Start with a VAC case manager — service attribution decides.

Work & injury

Saskatchewan · 2 versions

SAID

• Needs the DTC first

• Tier rates

  ☆ SaveDetails

• Tier A/B rates eff. Sept 1 2026

  ☆ SaveDetails

New Disability Impact Assessment decides tier — apply through SAID.

Monthly money

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

Ontario · Monthly · 2 versions

ODSP

• Needs the DTC first

• $1,436/mo once approved

  ☆ SaveDetails

• $1,436/mo single + drug/dental/vision

  ☆ SaveDetails

Apply online; DTC approval strongly speeds the ODSP medical review.

Monthly money

Nova Scotia · Monthly

ESIA Enhanced (de facto disability category)

• Needs the DTC first

$1,330/mo total once approved

Apply through ESIA; medical + financial assessment.

Monthly money

Prince Edward Island · 2 versions

AccessAbility Supports

• Needs the DTC first

• umbrella program

  ☆ SaveDetails

• vehicle $6k/8yr · home $10k/10yr · respite $430/mo · Assured Income

  ☆ SaveDetails

One application covers income, equipment, home & vehicle mods, respite.

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) · 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

  ☆ SaveDetails

• $204.20/mo (tapers out ~$32.5k)

  ☆ SaveDetails

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

Canada-wide (federal) · Monthly · 2 versions

Child Disability Benefit

• ≤$290/mo per disabled child

  ☆ SaveDetails

• ≤$290/mo (income-tapered)

  ☆ SaveDetails

A tax-free monthly payment for families caring for a child under 18 with a severe and prolonged impairment.

Families & kids

Canada-wide (federal)

Student aid disability grants (CSG-PD + provincial)

grants + equipment/services funding

Three federal instruments, all applied for through your own province's student-aid application — no separate federal form…

Education & training

British Columbia · Monthly

At Home Program — medical & respite benefits (children)

Therapies $3,840/12-mo per discipline · dental $700/yr · hearing $1,500/ear · equipment caps (ceiling lift $4,200)

For children with complex health care needs or severe impairments who would otherwise need hospital-level care. Two streams: Medical Benefits and Respite Benefits (respite amounts are not published online — ask your regional coordinator). Includes premium-free MSP coverage and PharmaCare benefits.

Health costs

Alberta

DRES employment supports

coaches · ASL · tech · workplace mods

Funding under the *Income and Employment Supports Act* (Disability-related Employment Supports and Services Regulation) for disability-related barriers to employment, education or

Work & injury

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

Manitoba

Children's disABILITY Services

respite · therapy · supplies

CDS, through the Department of Families, supports families raising a child (under 18) with developmental or physical disabilities to meet additional needs while caring for the chil

Families & kids

Ontario

Assistive Devices Program (ADP)

75% of equipment cost

ADP helps people with long-term physical disabilities pay for customized equipment and supplies — wheelchairs, hearing aids, ostomy and respiratory supplies, etc.

Health costs

Nova Scotia · Monthly

ESIA Enhanced Shelter Rate (disability)

$1,022/mo + $308 disability supplement

Nova Scotia's last-resort income program, run by the Department of Opportunities and Social Development (OSD, formerly Community Services) under the *Employment Support and Income

Monthly money

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

British Columbia

Vancouver Leisure Access Program (LAP)

• Needs the DTC first

~50% off memberships · day passes · lessons

The Leisure Access Program gives low-income Vancouver residents free and reduced-fee access to Park Board facilities and community centres; the membership is loaded onto a OneCard.

Discounts & freebies

British Columbia

Victoria L.I.F.E. program

75% off admissions · Crystal Pool access

The City's low-income recreation subsidy gives eligible residents a two-year membership (valid from approval date, not calendar year) with these benefits: - Unlimited free drop-in

Discounts & freebies

Ontario

Para Transpo Taxi Coupon Program

55% off taxi fares

Discounted taxi rides as an alternative to Para Transpo for registered Para Transpo customers: pay $18 for a coupon book worth $40 in taxi fares (~55% off regular taxi fare) at par

Getting around

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

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 · Monthly

Income Support ETW/BFE

~$860–$1,000/mo single

Alberta's general social assistance program under the *Income and Employment Supports Act* (delivered historically as "Alberta Works").

Monthly money

Saskatchewan

SIS general support

May 2026 rates

SIS helps people in need meet basic needs while they become more self-sufficient.

Monthly money

Manitoba

Community Living disABILITY Services

community living supports

CLDS supports eligible adults with intellectual disabilities to live good and satisfying lives in their communities.

Families & kids

Ontario · Monthly

Ontario Works

$733/mo single

OW provides income assistance to people in financial need who are not on ODSP; participation in employment-support activities is generally required.

Monthly money

Ontario

Trillium Drug Program

~4% income deductible → $2 co-pays

For households whose out-of-pocket prescription costs are high relative to income — including people not on social assistance and seniors who find the ODB deductible unaffordable.

Health costs

Quebec · Monthly

RRQ invalidité (QPP disability)

≤$1,737.67/mo

Administered by Retraite Québec.

Monthly money

Quebec · Monthly

Programme de solidarité sociale

~$1,215–$1,318/mo

Last-resort financial assistance (*aide financière de dernier recours*, AFDR) for adults with severe employment constraints (contraintes sévères à l'emploi, CSE) or severe health c

Monthly money

Yukon · Northwest Territories · Nunavut

Territorial income support

rates per territory

Ask about disability provisions within IA — they exist but are less advertised.

Monthly money

Ontario · Monthly

Peel Affordable Transit Program

discounted monthly pass

Peel Region administers a single Affordable Transit Program giving eligible low-income residents a 50% discount on adult monthly PRESTO passes for 12 months on MiWay (Mississauga)

Getting around

Ontario

Employment & training: Better Jobs Ontario

Funding: up to $28,000 for training of 1 year or less, $35,000 for programs over 1 year…

Funds skills training plus living expenses for Ontarians who need to retrain for in-demand work — including people off work due to illness or injury who are no longer suited to…

Education & training

Prince Edward Island

Home Accessibility & Renovation (disability + seniors)

Grants up to $12,000 ($16,000 for accessibility renovations with a permanent disability); income under $50,000

The PEI Home Renovation Program helps homeowners with major structural renovations (heating, plumbing, electrical, life safety) up to $12,000 — increased to $16,000 for…

Housing

Quebec · Annual

Supports for children with disabilities (Retraite Québec / Allocation famille)

Supplement for handicapped children: $2,892/year (Retraite Québec)

Recovered from Retraite Québec's 2026 benefit tables: | Measure | 2026 amount | |---|---| | Supplement for handicapped children (supplément pour enfant handicapé) | $2,892/year |…

Families & kids

Northwest Territories

Specified Disease Conditions Program

Prescription + supply coverage — varies by need, no fixed amount

Extends Extended Health Benefits (EHB) coverage — prescription drugs, drug-taking aids and medically necessary supplies — to NWT residents living with one of the chronic…

Health costs

Nunavut

Fuel and power programs

Varies by program (fuel subsidy + future power support)

The Senior Fuel Subsidy (above) is currently the main senior energy support; there is no seniors' power subsidy yet — Family Services confirmed in May 2025 that electricity…

Housing

Canada-wide (federal)

Assistive-Device Recycling & Exchange Programs

Lawson Health Research Institute and SCI Ontario; over $178,000 in devices exchanged to…

When new-equipment funding falls short, these charities circulate donated devices free:

Health costs

Canada-wide (federal)

Subsidized taxi programs

Vancouver's TaxiSaver for HandyCard holders ($100 face value for $50 each month) and…

Two cities run taxi coupon programs for paratransit registrants: Vancouver's TaxiSaver for HandyCard holders ($100 face value for $50 each month) and Ottawa's 55%-off coupon…

Getting around

Yukon · Northwest Territories · Nunavut

Patient / Medical Travel support

travel + escort rules

Covers emergency air ambulance and travel costs for medically necessary insured services not available in your community — including flights, mileage reimbursement (in-territory

Health costs

Canada-wide (federal)

Free support-person fares (air/rail/ferry)

OPF domestic flights · VIA free attendant · BC Ferries 50%

No single national pass exists — each city's system runs its own discounted pass or free-companion rule, from TransLink's HandyCard to the TTC Fair Pass, OC Transpo's Community pas

Getting around

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

Canada-wide (federal)

Auto insurance accident benefits

ICBC Part 7 / Ontario SABS treatment+income

Claim through the insurer promptly — deadlines are short.

Work & injury

British Columbia · Monthly

BC PWD designation

• Needs the DTC first

$1,483.50/mo once approved

Apply via My Self Serve (MSDPR) — your diagnosis supports the application.

Monthly money

Alberta · Monthly

ADAP (new Jul 2026)

• Needs the DTC first

$1,740/mo · keep earning to $45,240/yr

Episodic disabilities now qualify — single application with AISH.

Monthly money

British Columbia · Monthly

SAFER rent subsidy (60+)

gap-based, min $50/mo

Both are BC Housing rent subsidies paid by direct deposit on the last working day of each month, in arrears, and both require annual reapplication and filing of income tax.

Housing

Alberta · Monthly

AISH (legacy clients)

$1,940/mo · assets ≤$100k

Since July 2, 2026 Alberta runs two disability income programs under one intake (the single Disability Income Assistance (DIA) Application).

Monthly money

Alberta

Dental & Optical Assistance (65+)

$5,000/5yrs · $230/3yrs

Delivered through Alberta Blue Cross; providers can bill directly (pre-authorization recommended).

Health costs

Alberta · Annual

AADL equipment

75% funded · $500/yr family cap

Basic medical equipment and supplies to help Albertans with long-term disability (6+ months), chronic illness or terminal illness remain independent.

Health costs

Saskatchewan · Monthly

SEI working supplement

$400–$600/mo

SEI gives low-income working families a monthly financial benefit plus Supplementary Health Benefits, discounted bus passes (where available), employment supports through Immigrati

Monthly money

Manitoba · Monthly

EIA-PWD / MBFE

$1,270/mo single + health coverage (NO deductible)

The Employment and Income Assistance Program provides financial help to Manitobans who have no other way to support themselves or their families.

Monthly money

Manitoba

55 PLUS supplement

income-based

The 55 PLUS Program is a Manitoba Income Supplement providing quarterly benefits to lower-income Manitobans aged 55 and over whose incomes fall within program levels; eligibility i

Monthly money

Manitoba

Manitoba Pharmacare

income-based deductible

Pharmacare provides drug cost assistance to eligible Manitobans who lack coverage under a federal or other provincial program.

Health costs

Ontario · Monthly

SSAH / ACSD (children)

ACSD ≤$678/mo · SSAH respite

Monthly financial support for parents/guardians caring for a child with a severe disability living at home:

Families & kids

Ontario · Monthly

GAINS senior top-up

~$92/mo

A monthly, non-taxable top-up for low-income Ontario seniors on top of OAS/GIS:

Monthly money

Ontario

LIFT credit

$875/$1,750 non-refundable

Non-refundable Ontario credit for low-income workers, in effect since the 2019 tax year:

Tax filing

Ontario

Accessible Parking Permit

FREE permit

Administered by ServiceOntario — and completely free: there is no cost to get, renew, or replace an APP online or in person (a common "$10 fee" claim circulating is wrong).

Getting around

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

Nova Scotia

Seniors Care Grant

$750

Annual grant of $750 per household helping low-income seniors pay for household services (lawn care, snow removal, grocery delivery, transportation, small home repairs, phone), hea

Monthly money

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

Prince Edward Island

Seniors Home Repair / Safe @ Home

$4k repairs · $10k accessibility

One application to the PEI Home Renovation Programs automatically assesses seniors for both:

Housing

Newfoundland and Labrador · Monthly

Targeted Basic Income (ages 60–64)

$2,032–$2,975/mo

A three-year pilot that tops up Income Support recipients aged 60–64 to the level of federal/provincial seniors' benefits they will receive at 65.

Monthly money

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

Canada-wide (federal) · Annual

KidSport / JumpStart kids' sports

$250–400 per kid per year

Both are charities covering sport registration fees (and some equipment) for kids from low-income families.

Families & kids

Manitoba

Winnipeg Recreation Fee Assistance

50%+ off programs

The City's fee subsidy offers a no-charge Facility Access Pass for free admission to City recreation facilities (pools, leisure centres) plus program subsidies covering registered

Families & kids

Ontario · Annual

Welcome Policy (rec fee subsidy)

75% off, up to $500/child · $250/adult per yr

An annual financial credit for City-operated registered recreation programs — instructional swim, sports, camps, after-school care — plus memberships and multi-use passes (includin

Families & kids

Ontario

Hamilton HSR Fare Assist

50% off single rides — permanent since Jan 1 2026

LICO table starts $30,255 (1 person).

Getting around

Nova Scotia

HRM Seniors' Property Tax Rebate

rebate for 65+ homeowners on GIS

Separately from HRM's program: Nova Scotia's Property Tax Rebate for Seniors gives GIS/Allowance recipients 50% of last year's municipal residential property taxes back, up to $800

Housing

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

British Columbia

SAFER

gap-based

Both are BC Housing rent subsidies paid by direct deposit on the last working day of each month, in arrears, and both require annual reapplication and filing of income tax.

Housing

British Columbia

RAP rent help (working families)

ceilings $1,950–$2,200

Both are BC Housing rent subsidies paid by direct deposit on the last working day of each month, in arrears, and both require annual reapplication and filing of income tax.

Housing

British Columbia

BC Hydro income discounts (ECAP/ESK)

rate credits + free upgrades

BC Hydro — free income-based programs: - Energy Saving Kit: free do-it-yourself efficiency products (LED bulbs, high-efficiency showerhead, etc.) mailed to you.

Housing

Alberta

AAHB / ACHB health coverage

drugs · dental · vision · ambulance

Standalone supplementary health plans for low-income households not on Income Support/AISH.

Health costs

Alberta · Monthly

Rent Assistance Benefit / TRAB

RAB ≤$500/mo · TRAB 2-year

For working households with low income or between jobs: employed or employed within the last 24 months, and not receiving social assistance (Income Support, Learner Income Suppor

Housing

Saskatchewan

SAIL / SaskAbilities equipment

loans + special-needs equipment

SAIL (Ministry of Health) provides a basic level of disability-related equipment, devices, products and supplies to help people with physical disabilities live independently and ma

Health costs

Ontario · Annual

Passport funding (developmental)

$5,500 base/year

For adults 18+ with a developmental disability to participate in the community and live as independently as possible; also respite for their caregivers:

Families & kids

Ontario · Monthly

OESP electricity credits / LEAP grants

$45–$113/mo off hydro

The Ontario Electricity Support Program (OESP) puts a monthly credit directly on the hydro bills of low-income households — $45–$113/mo depending on household size and income, high

Housing

New Brunswick · Monthly

Transitional Assistance

$687/$737 single + $500/mo wage exemption

New Brunswick delivers social assistance under the *Family Income Security Act* through two programs:

Monthly money

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

Nova Scotia · Monthly

Caregiver Benefit

$400/mo

Recognizes unpaid caregivers providing 20+ hours/week of care to a low-income adult (19+) with a high level of impairment/disability as assessed by Nova Scotia Health Continuing Ca

Families & kids

Newfoundland and Labrador

Special Assistance (equipment)

medical equipment/supplies

A provincial program providing basic medical supplies and equipment for daily living to people living in the community who meet eligibility criteria. Benefits include:

Health costs

Yukon · Northwest Territories · Nunavut

Home repair contributions

program-dependent

The Home Repair Program serves low-to-moderate-income homeowners whose household income is below the affordable housing income limits (AHILs); you must have been a Yukon resident 9

Housing

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

Alberta

Calgary Fair Entry

sliding-scale transit · recreation · property-tax credit

Fair Entry is The City's single application process that qualifies lower-income Calgarians for several subsidized services at once; eligibility rests on Calgary residency, income (

Getting around

Ontario · Monthly

Toronto Fair Pass (TTC)

discounted fares w/ capping (monthly pass retired Aug 31 2026)

A discount programmed onto your PRESTO card: 36% off adult single fares ($1.20 less per ride) and 21% off adult monthly passes ($32.

Getting around

Ontario

London income-based transit + Play Your Way Fund

discounted pass · rec fee help

Financial help with City recreation/sport registration fees, program materials, assistive devices and related supports — up to $300 per person per 12-month period, for all programs

Getting around

Nova Scotia

Halifax Affordable Access Transit Pass

50% off passes (adult $90→$45)

50% off monthly Halifax Transit passes: adult monthly $90 → $45; Regional Express monthly $139 → $69.50, for one program year (July–June).

Getting around

Alberta

Persons with Developmental Disabilities (PDD)

Individualized funding — varies by assessed support needs

Provincial program funding community supports so adults with developmental disabilities can live, work and participate in community. Voluntary program.

Health costs

Prince Edward Island · Monthly

Transportation

T3 Transit: senior 60+ monthly pass $10 (regular $20), ticket booklet $9 (6 tickets), $2 cash fare

Accessible parking permits — see §1 (ResourceAbilities program, processed via Access PEI offices). - T3 Transit ⚠️ *private operator* (Charlottetown/Cornwall/Stratford, Rural…

Getting around

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)

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

Canada-wide (federal)

Rail — VIA Rail

Support person travels free with approval

Support person travels free. Once VIA validates a support-person request, it confirms that "a support person will be available to accompany you on future trips with VIA Rail at…

Getting around

Canada-wide (federal)

Intercity coaches

No published disability discounts — assistance varies by operator

Practical note:* for Ebus/Red Arrow/Rider Express, the attendant's seat is not advertised as free — ask at booking whether the ATPDR support-person seating obligation applies to…

Getting around

British Columbia

HandyCard / HandyDART

concession fares + door-to-door

Door-to-door shared-ride service for people whose disability prevents using conventional transit for all or part of a trip; 30,000+ customers.

Getting around

British Columbia

SPARC BC accessible parking permit

permit (fee applies)

⚠️ SPARC is a nonprofit, not government.

Getting around

Manitoba

Wheelchair Services

provision & repair

The Manitoba Wheelchair Program is delivered by Manitoba Possible, a non-profit (founded 1950 as the Society for Crippled Children, later the Society for Manitobans with Disabiliti

Health costs

Ontario · Annual

Seniors' transit tax credit

≤$450/yr

Active refundable credit (ontario.ca page updated March 17, 2026):

Getting around

Quebec

Crédit maintien à domicile (70+)

refundable % of home-support costs

Refundable credit for people aged 70 or over (at December 31) who reside in Québec — owners, tenants, or living with a relative; autonomy level does not matter for eligibility.

Housing

Canada-wide (federal)

Charity equipment funds (Easter Seals · MDC · MS Society · Variety)

diagnosis-specific grants

Approval BEFORE purchase — see charity file for each org's rules.

Health costs

Quebec

STM reduced fares & companion card

reduced/senior fares · support person rides free

Reduced monthly passes ($66.00, All Modes A) apply to students 18+ and riders 65+ with a photo‑ID OPUS card; youth 12–17 get reduced fares only when loaded on their photo OPUS.

Getting around