Are you living with a disability in Ontario and finding it hard to cover essential living expenses like food and housing? The Ontario Disability Support Program (ODSP) could provide the financial relief and support you need. Learn about the program, who qualifies, how much you can receive, and the application process in this comprehensive guide.
Table of Contents
What is ODSP?
ODSP is a social assistance program run by Ontario’s Ministry of Children, Community, and Social Services. It provides:
- Income support: To help with daily living costs, including food, housing, and personal needs.
- Employment support: To help individuals with disabilities find and maintain meaningful employment.
The program is designed to act as a last resort, meaning you must explore other income sources (e.g., employment income, Canada Pension Disability benefits, or insurance payments) before applying for ODSP.
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Who Can Qualify for ODSP?
To qualify for ODSP, you must meet these criteria:
- Residency: You must live in Ontario.
- Age: You must be 18 or older (applications can begin up to six months before your 18th birthday).
- Financial Need: Your household expenses must exceed your income and assets.
- Disability: You must have a substantial and continuous physical or mental impairment lasting at least a year.
What Counts as a Disability?
Under the ODSP Act, a disability is defined as a significant and ongoing physical or mental impairment that:
- Restricts your ability to work, care for yourself, or participate in community life.
- Is expected to last at least 12 months.
A verified healthcare professional must confirm your condition by completing a Disability Determination Package, which will be reviewed by specialized ministry staff.
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Understanding Financial Need
To demonstrate financial need, you’ll provide documents showing:
- Your household’s living costs (e.g., rent, utilities).
- Any income or money received by your household.
- Assets owned by household members.
You must also consent to third-party verification of your financial details.
ODSP Asset Rules
When applying, you must disclose your assets. Here’s what you need to know:
Non-Exempt Assets (count toward the limit):
- Bank account balances, cash, stocks, bonds, and RRSPs.
- Properties (excluding your primary residence).
- Additional vehicles (beyond your primary vehicle).
- Trust funds above allowable limits.
Exempt Assets (don’t affect eligibility):
- The home you live in.
- Your primary vehicle.
- Registered Disability Savings Plans (RDSPs).
- Pre-paid funerals and life insurance policies (within allowable limits).
- Basic household items like furniture.
Asset Limits:
- Single individuals: $40,000.
- Couples: $50,000.
ODSP Income Rules
You must report all income sources, such as:
- Canada Pension Plan (CPP) benefits.
- Workplace Safety and Insurance Board (WSIB) benefits.
- Earnings from employment or self-employment.
- Old Age Security (OAS) or Guaranteed Income Supplement (GIS).
Exempt Income:
- Child support payments.
- Canada Child Benefit (CCB) and Ontario Child Benefit (OCB).
- Registered Disability Savings Plan (RDSP) withdrawals.
How Much Can You Receive from ODSP?
ODSP payments are divided into two components:
1. Basic Needs Allowance
This covers essentials like food, clothing, and toiletries.
2. Shelter Allowance
This covers housing costs, such as:
- Rent or mortgage payments.
- Utilities and heating.
- Property taxes, home insurance, and condo fees.
Shelter Allowance Table
| Family Size | Maximum Monthly Shelter Allowance |
|---|---|
| 1 | $582 |
| 2 | $915 |
| 3 | $990 |
| 4 | $1,074 |
| 5 | $1,159 |
| 6+ | $1,201 |
As of 2025, single individuals can receive up to $1,368 per month, with actual amounts depending on family size, income, and expenses.
ODSP Payment Dates for 2025
ODSP payments are issued on the last business day of each month. The 2025 schedule is:
- January 31
- February 28
- March 31
- April 30
- May 31
- June 30
- July 31
- August 29
- September 29
- October 31
- November 28
Can You Work While on ODSP?
Yes! You can work and still receive ODSP, but your income support might be reduced depending on how much you earn.
- You can earn up to $1,000 per month (as of February 2023) without affecting your ODSP payments.
- Earnings above $1,000 are reduced by 50%, meaning only half of your earnings will impact your benefits.
- Certain expenses, like childcare or disability-related work costs, can be deducted before earnings count toward ODSP calculations.
How to Apply for ODSP
You can apply:
- Online: Complete a 20–30 minute application to check your eligibility.
- In-Person: Visit your local ODSP office to apply directly.
Applications require financial documents, proof of disability, and a meeting with a caseworker to finalize details.
Additional ODSP Benefits
Health Benefits
ODSP recipients and their families may qualify for:
- Prescription drug, dental, and vision care coverage.
- Medical supplies and transportation coverage.
- Nutritional allowances for pregnancy or breastfeeding.
Employment Supports
ODSP offers employment support to help individuals with disabilities find or start work, including self-employment.
ODSP provides vital financial and employment support to Ontario residents with disabilities. By understanding your eligibility, the benefits available, and how to apply, you can access the resources you need to improve your quality of life. For further assistance, contact your local ODSP office or visit the Ministry of Children, Community, and Social Services website.