GAINS ensures a guaranteed minimum income for Ontario seniors by providing monthly payments to qualifying pensioners. GAINS is a top-up for low-income Ontario residents age 65 or older who receive GIS.
- living in Ontario
- 65 years of age or older
- receiving deferral OAS and federal GIS
- living in Ontario for past 12 months or for total of 20 years since turning 18
- have 10 or more years of Canadian Residency
- total income below level guaranteed by province
Monthly GAINS payment will range between $2.50 and $83.00 and will decline as private income increases.
Financial assistance to help with essential living expenses; benefits, including prescription drugs and vision care; help finding and keeping a job, and career advancement.
- at least 18 years old
- Ontario resident
- be in financial need
- meet the program's definition of a person with a disability, or be a member of a Prescribed Class Financial assistance provided each month to help with the costs of basic needs, such as food, clothing and shelter. Income support also includes benefits, such as drug coverage and vision care, for clients and their eligible family members
Employment Support: Services and supports to help clients with disabilities find and keep a job, and advance their careers.
The Ontario energy and property tax credit (OEPTC) is designed to help low- to moderate-income Ontario residents with the sales tax on energy and with property taxes.
- rent or property tax for your principal residence in Ontario was paid by or for you for 2016;
- accommodation costs for living in a public or non-profit long-term care home in Ontario were paid by or for you for 2016
- home energy costs (for example, electricity, heat) for your principal residence on a reserve in Ontario were paid by or for you for 2016
This program provides rebates up to $1,023* if you are a non-senior ($796* to help with property taxes and $227* to help with sales tax on energy); up to $1,165* if you are a senior ($938* to help with property taxes and $227* to help with sales tax on energy); and up to $227* if you live on a reserve or in a public long-term care home
*These amounts are adjusted for inflation each year.
The amount is based on the amount of rent or property tax you paid for your principal residence in Ontario or on the amount of energy costs paid for your principal residence on a reserve in Ontario. The credit will be reduced by two per cent of your adjusted family net income over:
- $22,746 for individuals under the age of 64
- $28,433 for single seniors
- $28,433 for families, including single parents, and $34,119 for senior couples.
Provides home or vehicle modifications to eligible individuals and families to enable children and adults with disabilities that restrict mobility to continue living safely in their homes, avoid job loss and participate in their communities.
- Permanent Ontario Resident
- Person with substantial impairment caused by bodily injury, birth defect or illness that is ongoing/ or recurring and is expected to last one year or more
- the impairment impedes mobility and affects daily living activities
Maximum $15,000 per client for home modifications and/or $15,000 per client for vehicle modifications.
- 65 years old or have a disability
- must live in the home as their personal residence
- must be in the residential property class and must not have more than three residential units
- must not be in the business of offering care to senior or disabled persons
- alterations, improvements or additions were made after May 15, 1984
Only the assessed value of the alterations, improvements or additions constructed for the purpose of providing housing is exempt from property taxation. This is in place only for as long as the senior or disabled person lives in the home as his/her personal residence.
Property owners who have built a new home to provide a place to live for a senior or a person with a disability can get partial property tax exemption of 10 per cent of the value of their home.