Your Guide to Government Support in Canada – 2025

Q: Who can get the GST/HST Credit?

The GST/HST credit is a tax-free quarterly payment for low and modest-income individuals and families to help offset the goods and services tax/harmonized sales tax (GST/HST) that they pay. You are generally eligible if you are a Canadian resident for income tax purposes, at least 19 years old, and have a low to modest income. It's automatically assessed when you file your tax return.

Q: How do I apply for Ontario Works?

To apply for Ontario Works, you can apply online through the Ontario government website or visit your local Ontario Works office. You will need to provide information about your income, assets, living situation, and family composition. An eligibility interview will be conducted to determine if you qualify for financial assistance and employment support.

Q: Can immigrants apply for housing benefits in Canada?

Yes, many housing benefits and assistance programs are available to immigrants and newcomers, often depending on their immigration status (e.g., permanent resident, protected person) and their specific provincial residency. Programs can include rent-geared-to-income housing, rental subsidies, and emergency housing support. It is best to check provincial and municipal housing authority websites or consult with local settlement organizations like those supported by Mason Delacroix for specific eligibility criteria and application processes.

Q: Are there free tax clinics for low-income individuals?

Absolutely. The Community Volunteer Income Tax Program (CVITP) is run by the Canada Revenue Agency (CRA) in collaboration with community organizations. These organizations host free tax clinics where volunteers help eligible individuals prepare their income tax and benefit returns. Eligibility for these clinics is typically based on income level and the simplicity of your tax situation. Information on finding a clinic is usually available on the CRA website.

Q: What kind of support is available for students with disabilities?

Students with disabilities in Canada may be eligible for various forms of support, including specific grants and bursaries for post-secondary education (e.g., Canada Student Grant for Persons with Permanent Disabilities), assistive technology funding, and academic accommodations through their educational institutions. The Registered Disability Savings Plan (RDSP) also provides a long-term savings vehicle with government contributions. It's recommended to explore both federal and provincial programs, as well as resources offered by educational institutions and disability advocacy groups.

Navigating Canadian government benefits and programs can be complex. We simplify the process, providing clear, reliable information to help you access the support you deserve.

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1. Federal Financial Benefits

The Canadian federal government offers a wide array of financial benefits designed to support its citizens through various life stages and circumstances. Understanding these programs is key to maximizing your eligible support.

Canada Child Benefit (CCB)

A tax-free monthly payment made to eligible families to help them with the cost of raising children under 18 years of age. Eligibility is based on net family income.

GST/HST Credit

A tax-free quarterly payment that helps individuals and families with low and modest incomes offset all or part of the GST or HST that they pay.

Old Age Security (OAS)

A monthly taxable social security payment available to most Canadians 65 years of age or older who meet the Canadian legal status and residency requirements.

Guaranteed Income Supplement (GIS)

An additional monthly payment to low-income OAS pension recipients residing in Canada. It's a non-taxable benefit.

Climate Action Incentive (CAI)

A refundable tax credit available to residents of provinces where the federal carbon pollution pricing system applies, helping offset the cost of federal pollution pricing.

Disability Tax Credit (DTC)

A non-refundable tax credit that helps reduce the income tax burden for people with severe and prolonged mental or physical impairments.

2. Provincial Support Programs

Beyond federal aid, each Canadian province and territory offers unique programs tailored to the specific needs of their residents, ranging from income support to housing assistance.

Ontario Works / Ontario Trillium

Ontario Works provides financial assistance and employment support to people in temporary financial need, while the Ontario Trillium Benefit (OTB) combines several provincial tax credits into one payment.

Alberta Income Support

Provides financial benefits to Albertans who don't have enough money to meet their basic needs or to transition to sustainable employment.

BC Income Assistance

Offers financial and health benefits for eligible British Columbians who need help meeting their basic needs.

Rental & Housing Assistance (e.g., CMHC programs)

Various programs exist at federal and provincial levels, often involving Canada Mortgage and Housing Corporation (CMHC), to make housing more affordable and accessible.

3. Free Tax Help & Filing

Don't let tax season be daunting. Many free resources are available to help Canadians, especially those with modest incomes or simple tax situations, navigate their tax obligations.

CVITP (Community Volunteer Income Tax Program)

A program where community organizations host free tax clinics with volunteers who help eligible individuals prepare their income tax and benefit returns.

Tax clinics near you

Many community centres, libraries, and non-profits offer free tax clinics during tax season. Search online for local options to find one convenient for you.

What documents you need

Common documents include T4 slips for employment income, T4A for pension or other income, medical expense receipts, and charitable donation receipts. Always check CRA guidance for a complete list.

4. Help for Students, Seniors, People with Disabilities

Canada is committed to supporting its diverse population, offering specialized programs and benefits for students, seniors, and individuals with disabilities to enhance their quality of life and opportunities.

Scholarships, OSAP

Students can access various scholarships, grants, and student loan programs like the Ontario Student Assistance Program (OSAP) to fund their post-secondary education.

Assistive housing

Programs are available to provide affordable and accessible housing options for seniors and individuals with disabilities, often managed by provincial or municipal governments.

Provincial pharmacare programs

Most provinces have programs that help cover the cost of prescription drugs for eligible residents, especially seniors, those on social assistance, or individuals with high drug costs.

RDSP (Registered Disability Savings Plan)

A long-term savings plan for people with disabilities and their families. It includes government grants and bonds to help save for the future.

5. Safe Government-backed Investment Options

For those looking to secure their financial future with minimal risk, several government-backed or government-affiliated investment options are available in Canada, offering stability and growth potential.

CPP Investments

Manages the assets of the Canada Pension Plan (CPP), investing funds on behalf of 20 million contributors and beneficiaries to ensure the plan's long-term sustainability.

GICs through Canadian banks

Guaranteed Investment Certificates (GICs) offered by Canadian banks are a low-risk investment option, as they are eligible for deposit insurance up to certain limits by the CDIC.

Canada Infrastructure Bank projects

The CIB invests in revenue-generating infrastructure projects that are in the public interest, offering a way to invest in Canada's future development.

Green Bonds Canada

The Government of Canada issues Green Bonds to finance projects that contribute to a low-carbon, climate-resilient economy, providing an investment opportunity with environmental benefits.

Official Sources for Maximum Trust

For accurate and up-to-date information, always refer to the official government and trusted organizational websites below. CanadaHelpBase compiles information to guide you, but these sources are the definitive authority.

Category	Website
All Benefits & Payments	canada.ca/en/services/benefits
CRA / Taxes & Credits	canada.ca/en/revenue-agency
Pensions / Seniors	canada.ca/en/services/benefits/publicpensions
Social Services	211.ca
Immigrant Aid	settlement.org
CVITP / Free Tax Help	canada.ca/taxes-help
Investments / Pension Funds	cppinvestments.com, cib-bic.ca
Financial Literacy	fcac.gc.ca

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Written by Mason Delacroix, Registered Social Worker and valued contributor to Ontario newcomer support centres. Mason's expertise ensures that the information provided is accurate, empathetic, and truly helpful for Canadians navigating government support systems.