# Pathway to Benefits

> Pathway to Benefits (benefitspathway.ca) is a free, plain-language directory that helps people with disabilities in Canada — and the family members and caregivers who support them — find the federal, provincial, and territorial financial-support, health, housing, tax-credit, and employment benefit programs they may be eligible for. Each program page explains what the benefit is, who qualifies, the amount, and how to apply, with links to the official government source. It is a project of the Mood Disorders Society of Canada (MDSC).

Programs are organized below by jurisdiction. "National" covers federal (Government of Canada) programs available across the country; the remaining sections are province- and territory-specific.

## National (federal) programs

- [Canada Disability Benefit](https://benefitspathway.ca/canada-disability-benefit/): Monthly income-tested benefit for working-age persons with disabilities.
- [Canada Pension Plan – CPP-D](https://benefitspathway.ca/canada-pension-plan-cpp-d/): Monthly benefit for contributors to CPP who are unable to work due to a severe and prolonged disability.
- [Canada Savings Bond](https://benefitspathway.ca/canada-savings-bond/): A government contribution of up to $1,000 per year (no personal contributions needed) for low-income individuals with an RDSP—up to $20,000
- [Canada Savings Grant](https://benefitspathway.ca/canada-savings-grant/): A government program that matches contributions to a Registered Disability Savings Plan (RDSP) to help people with disabilities save for the
- [Canada Student Grant for Services and Equipment](https://benefitspathway.ca/canada-student-grant-for-services-and-equipment/): Grant for education-related services or equipment for students with permanent disabilities.
- [Canada Workers Benefit – CWB-D](https://benefitspathway.ca/canada-workers-benefit-cwb-d/): The Canada Workers Benefit disability supplement (CWB-D) is a refundable credit up to $821/year for workers who qualify for the DTC. See how to claim it.
- [Canadian Caregiver Credit](https://benefitspathway.ca/canadian-caregiver-credit/): A non-refundable tax credit for individuals supporting a spouse, common-law partner, or dependant with an impairment.
- [Canadian Child Disability Benefit](https://benefitspathway.ca/canadian-child-disability-benefit/): Monthly tax-free payment for families caring for a child under 18 with a severe and prolonged disability.
- [Canadian Dental Care Plan](https://benefitspathway.ca/canadian-dental-care-plan/): A federal dental insurance program that covers essential oral health care services for eligible Canadians who do not have access to private
- [Career Transition Services](https://benefitspathway.ca/career-transition-services/): Offers career counselling, resume help, interview prep, and job search support.
- [Disability Tax Credit](https://benefitspathway.ca/disability-tax-credit/): The Disability Tax Credit is a non-refundable federal tax credit designed to reduce the income tax burden for individuals with a severe and
- [EI – Disability and Sickness/Caregiving](https://benefitspathway.ca/ei-disability-and-sickness-caregiving/): Benefit for short-term Disability.
- [Federal Exise Gas Refund](https://benefitspathway.ca/federal-exise-gas-refund/): The Federal Excise Gasoline Tax Refund is a program offered by the Canada Revenue Agency (CRA). It allows individuals with permanent mobilit
- [Grants for Students with Disabilities](https://benefitspathway.ca/grants-for-students-with-disabilities/): Annual grant for students with permanent disabilities enrolled in post-secondary education.
- [Home Accessibility Tax Credit](https://benefitspathway.ca/home-accessibility-tax-credit/): The Home Accessibility Tax Credit is worth 15% of up to $20,000 in eligible renovations (max $3,000) for seniors and people with disabilities.
- [Medical Expense Tax Credit](https://benefitspathway.ca/medical-expense-tax-credit/): A non-refundable tax credit for eligible medical expenses paid for yourself, your spouse/common-law partner, or dependants.
- [Registered Disability Savings Plan](https://benefitspathway.ca/registered-disability-savings-plan/): Government Matched - Long term Savings Plan for People with Disabilities.
- [Severe Permanent Disability Benefit](https://benefitspathway.ca/severe-permanent-disability-benefit/): Forgiveness of Canada Student Loans for borrowers with a permanent disability preventing future work/study.
- [Veterans Disability Benefits](https://benefitspathway.ca/veterans-disability-benefits/): Compensation for service-related disabilities.
- [Veterans Independence Program](https://benefitspathway.ca/veterans-independence-program/): Helps Veterans remain independent in their homes by covering costs for: Housekeeping Grounds maintenance (e.g., snow removal, lawn care) Mea
- [Veterans Rehabilitation Services and Income Support (for severely ill/injured)](https://benefitspathway.ca/veterans-rehabilitation-services-and-income-support-for-severely-ill-injured/): Helps Veterans with service-related health issues return to civilian life through rehab and income support.
- [Veterans Treatment Benefits](https://benefitspathway.ca/veterans-treatment-benefits/): Covers health-related services and products to support recovery and well-being.

## Alberta

- [Alberta Adult Health Benefit](https://benefitspathway.ca/alberta-adult-health-benefit/): The Alberta Adult Health Benefit gives free coverage — prescriptions, dental, optical and more — to low-income adults not eligible for AISH. See.
- [Alberta Aids to Daily Living](https://benefitspathway.ca/alberta-aids-to-daily-living/): Alberta Aids to Daily Living (AADL) helps cover equipment — wheelchairs, hearing aids, walkers — for people with long-term disabilities or chronic illness.
- [Alberta Blue Cross Non-Group Coverage](https://benefitspathway.ca/alberta-blue-cross-non-group-coverage/): A supplementary health insurance plan for Albertans under 65 who are not covered by employer or government plans. Administered by Alberta Bl
- [Alberta Child Health Benefit](https://benefitspathway.ca/alberta-child-health-benefit/): The Alberta Child Health Benefit gives free coverage — prescriptions, dental, optical and more — to children in low-income Alberta households. See.
- [Alberta Disability Assistance Program](https://benefitspathway.ca/alberta-disability-assistance-program/): The Alberta Disability Assistance Program (ADAP), launching July 2026, helps Albertans with disabilities work while keeping their benefits. Learn more.
- [Assured Income for the Severely Handicapped (AISH)](https://benefitspathway.ca/assured-income-for-the-severely-handicapped-aish/): AISH provides financial and health-related assistance to eligible adults in Alberta who have a permanent medical condition that severely lim
- [Community Disability Services](https://benefitspathway.ca/community-disability-services/): CDS are the front-line services funded by PDD and delivered by community agencies. They include: Residential supports Day programs Employmen
- [Disability Related Employment Supports](https://benefitspathway.ca/disability-related-employment-supports/): DRES provides funding for supports and services that help Albertans overcome disability related barriers to employment or education. Be
- [Family Supports for Children with Disabilities](https://benefitspathway.ca/family-supports-for-children-with-disabilities/): The FSCD program provides individualized supports and services to families of children under 18 with disabilities. It aims to help families
- [Income Support Alberta](https://benefitspathway.ca/income-support-alberta/): Alberta Income Support helps unemployed or underemployed Albertans cover basics like food, shelter and transport. See who qualifies, amounts and.
- [Persons with Developmental Disabilities Program](https://benefitspathway.ca/persons-with-developmental-disabilities-program/): The PDD program supports adults (18+) with developmental disabilities to live as independently as possible in their communities. It funds se
- [Post–Secondary Grants for Students with Permanent Disabilities](https://benefitspathway.ca/post-secondary-grants-for-students-with-permanent-disabilities/): These grants help students with permanent disabilities cover education-related costs, including tuition, services, and assistive equipment.
- [Residential Access Modification Program](https://benefitspathway.ca/residential-access-modification-program/): RAMP provides non-repayable, non-taxable grants to help lower-income Albertans with mobility challenges make permanent modifications to thei

## British Columbia

- [Adult Upgrading Grant](https://benefitspathway.ca/adult-upgrading-grant/): Covers costs like tuition, books, supplies, transportation, and childcare for adult learners, including those in Adult Special Education pro
- [Affordable Childcare Benefit](https://benefitspathway.ca/affordable-childcare-benefit/): Monthly financial support for eligible families to help with the cost of child care.
- [Autism Funding](https://benefitspathway.ca/autism-funding/): BC Autism Funding helps families pay for intervention services — up to $22,000/year under age 6, $6,000/year ages 6–18. See.
- [BC Access Grant for Students with Disabilities](https://benefitspathway.ca/bc-access-grant-for-students-with-disabilities/): Provides up to $1,560 per year to full-time students with permanent or prolonged disabilities to help cover education costs.
- [BC Centre for Abilities Opportunities Fund](https://benefitspathway.ca/bc-centre-for-abilities-opportunities-fund/): Offers employment-related services and financial support for persons with disabilities seeking to enter or re-enter the workforce. Benefit A
- [BC Housing – Rental Assistance Program (RAP)](https://benefitspathway.ca/bc-housing-rental-assistance-program-rap/): BC Housing's Rental Assistance Program (RAP) gives monthly rent subsidies to low-income working families renting privately. See.
- [Child Care Fee Reduction Initiative](https://benefitspathway.ca/child-care-fee-reduction-initiative/): Reduces fees for parents by providing funding directly to licensed child care providers.
- [CKNW Kids’ Fund](https://benefitspathway.ca/cknw-kids-fund/): Provides grants for medical equipment, therapies, and educational support for children with special needs in BC.
- [Down Syndrome Resource Foundation Bursary Program](https://benefitspathway.ca/down-syndrome-resource-foundation-bursary-program/): Offers financial assistance for families accessing programs and services for individuals with Down syndrome.
- [Fair Pharmacare](https://benefitspathway.ca/fair-pharmacare/): Provides income-based financial help for prescription medications, devices, and supplies.
- [Health Connections Program](https://benefitspathway.ca/health-connections-program/): Supports rural residents who must travel for non-emergency medical appointments not available in their community.
- [Home Adaptions for Independence Program](https://benefitspathway.ca/home-adaptions-for-independence-program/): Provides financial assistance to eligible low-income households to complete home adaptations for independent living.
- [Home Owner Grant for PWD](https://benefitspathway.ca/home-owner-grant-for-pwd/): Reduces the amount of property tax you pay on your principal residence if you or a relative living with you has a disability.
- [Low Income Grant Supplement for PWD](https://benefitspathway.ca/low-income-grant-supplement-for-pwd/): Provides a grant if your Home Owner Grant is reduced or eliminated due to your home’s assessed value.
- [MCFD Special Needs Funding](https://benefitspathway.ca/mcfd-special-needs-funding/): Offers individualized funding and services for children with special needs through the Ministry of Children and Family Development. Benefit
- [Medical Transportation Supplements](https://benefitspathway.ca/medical-transportation-supplements/): Provides financial help for medical travel to people on income or disability assistance.
- [Palliative Care Benefits](https://benefitspathway.ca/palliative-care-benefits/): Covers palliative medications and supplies for those receiving end-of-life care at home or in a hospice.
- [Permanent Disability Benefits](https://benefitspathway.ca/permanent-disability-benefits/): WorkSafeBC Permanent Disability Benefits provide financial compensation to workers who have suffered a permanent work-related injury or illn
- [Persons with Disabilities (PWD) Assistance](https://benefitspathway.ca/persons-with-disabilities-pwd-assistance/): BC Persons with Disabilities (PWD) assistance gives monthly help, medical benefits and supplements to people with the PWD designation. See.
- [Property Tax Deferment Program](https://benefitspathway.ca/property-tax-deferment-program/): Allows eligible homeowners to defer paying property taxes on their principal residence.
- [Provincial Motor Vehicle Fuel Tax Refund for Persons with Disabilities](https://benefitspathway.ca/provincial-motor-vehicle-fuel-tax-refund-for-persons-with-disabilities/): If you have a qualifying disability, this program allows you to request a refund of the provincial motor fuel tax you paid in BC on fuel you
- [Shelter Aid for Elderly Renters Program](https://benefitspathway.ca/shelter-aid-for-elderly-renters-program/): Provides monthly rent subsidies to low-income seniors renting in the private market. Learn More About the BC Housing SAFER Program. Benefit
- [The Persons with Persistent Multiple Barriers (PPMB) Benefit](https://benefitspathway.ca/the-persons-with-persistent-multiple-barriers-ppmb-benefit/): BC's Persons with Persistent Multiple Barriers (PPMB) benefit helps people with long-term barriers to employment. See.
- [Travel Assistance Program](https://benefitspathway.ca/travel-assistance-program/): Helps alleviate transportation costs for BC residents who must travel within the province for non-emergency medical specialist services not
- [WorkBC Assistive Technology Services](https://benefitspathway.ca/workbc-assistive-technology-services/): WorkBC Assistive Technology Services helps individuals with disabilities or functional limitations overcome barriers to employment by fundin
- [Young Parent Program](https://benefitspathway.ca/young-parent-program/): Supports young parents (under 25) with childcare, housing, and education while they complete high school.

## Manitoba

- [Children’s Opti-Care Program](https://benefitspathway.ca/childrens-opti-care-program/): The Children's Opti-Care Program helps families, who receive the Manitoba Child Benefit (MCB), pay some of the cost of their children's glas
- [Early Learning and Child Care Program](https://benefitspathway.ca/early-learning-and-child-care-program/): The Early Learning and Child Care (ELCC) Program provides financial support to eligible families to help with the cost of child care for chi
- [Emergency Housing Assistance](https://benefitspathway.ca/emergency-housing-assistance/): Temporary financial support for individuals in critical housing crisis (e.g., eviction, homelessness, unsafe living) provided through Manito
- [Employment and Income Assistance (EIA)](https://benefitspathway.ca/employment-and-income-assistance-eia/): Manitoba's Employment and Income Assistance (EIA) helps with living costs — food, dental, optical, prescriptions — plus employment support. See.
- [Healthy Baby Program](https://benefitspathway.ca/healthy-baby-program/): A financial assistance program that provides monthly cheques during pregnancy to help low-income families buy healthy foods and access prena
- [Home Care Program](https://benefitspathway.ca/home-care-program/): Provides in-home health and personal support services (e.g. nursing, personal care, therapy) to eligible adults, seniors, or those with disa
- [Manitoba Child Benefit](https://benefitspathway.ca/manitoba-child-benefit/): The Manitoba Child Benefit gives up to $35/month per child to lower-income Manitoba families with dependent children. See.
- [Manitoba Health Ancillary Program](https://benefitspathway.ca/manitoba-health-ancillary-program/): The Manitoba Health Ancillary Programs can help you with resources you need to stay healthy and manage your health care needs effectively. B
- [Pharmacare Program](https://benefitspathway.ca/pharmacare-program/): An income-based prescription drug coverage program offered by Manitoba Health. You pay a deductible, after which eligible medicines are full
- [Rent Assist](https://benefitspathway.ca/rent-assist/): Manitoba Rent Assist helps EIA recipients and low-income renters with shelter costs — up to 80% of median market rent. See.
- [Social Housing Rental Program](https://benefitspathway.ca/social-housing-rental-program/): Provides subsidized, quality housing (apartments, townhouses, etc.) for low-income Manitobans in greatest housing need. It's managed by Mani

## New Brunswick

- [Academic Upgrading or Personal Learning Programs](https://benefitspathway.ca/academic-upgrading-or-personal-learning-programs/): Academic upgrading courses or personal learning programs provide training opportunities to adults. These programs are offered free of charge
- [Childcare Assistance Program](https://benefitspathway.ca/childcare-assistance-program/): The Childcare Assistance Program (CAP) is offered through the Department of Education and Early Childhood Development to provide support to
- [Disability Support Program](https://benefitspathway.ca/disability-support-program-2/): Disability-related services for adults (people aged 19 and over) are provided mainly by the New Brunswick Department of Social Development u
- [Employment and Support Services Program](https://benefitspathway.ca/employment-and-support-services-program/): This service option is available to individuals who are approved for support from the Disability Support Program and.
- [Family Supports for Children with Disabilities Program](https://benefitspathway.ca/family-supports-for-children-with-disabilities-program/): The Family Supports for Children with Disabilities Program assists families to address the unmet needs of the child or children with the dis
- [Income Support – Extended Benefits](https://benefitspathway.ca/income-support-extended-benefits/): Benefits under the Extended Benefits Program are designed for people who are considered to be disabled, blind or deaf. “Disabled” is a statu
- [Income Support – Transitional Assistance](https://benefitspathway.ca/income-support-transitional-assistance/): Benefits under the Transitional Assistance Program are designed for people who are considered to have some training and employment potential
- [Mobility and Adaptive Equipment Loan Program](https://benefitspathway.ca/mobility-and-adaptive-equipment-loan-program/): Equipment may be loaned through the Recycling Program (publication page), which is jointly administered with Easter Seals NB, or it may be p
- [NB Drug Plans](https://benefitspathway.ca/nb-drug-plans/): The New Brunswick Drug Plan is a prescription drug plan that provides drug coverage for uninsured New Brunswick residents who have an active
- [Orthopedic Program](https://benefitspathway.ca/orthopedic-program/): The program assists clients with coverage for specific prosthetic services that are not covered by other agencies or private health insuranc
- [Ostomy/Incontinence Program](https://benefitspathway.ca/ostomy-incontinence-program/): This program assists clients of this department with coverage for ostomy, catheterization and incontinence supplies which are not covered by
- [Prosthetic Program](https://benefitspathway.ca/prosthetic-program/): The program assists eligible clients with the coverage of prosthetic services which are not covered by other agencies or private health insu
- [Respiratory Program](https://benefitspathway.ca/respiratory-program/): This program assists clients of this department with coverage of respiratory equipment and supplies which are not covered by other agencies
- [Self-Managed Support](https://benefitspathway.ca/self-managed-support/): This service option gives individuals in the Disability Support Program or the Long-Term Care Program flexibility and greater independence b
- [Training and Employment Support Services for Persons with Disabilities (TESS)](https://benefitspathway.ca/training-and-employment-support-services-for-persons-with-disabilities-tess/): The Training and Employment Support Services (TESS) component of the Employment Services Program helps New Brunswickers who have a permanent

## Newfoundland & Labrador

- [Board and Lodging Costs](https://benefitspathway.ca/board-and-lodging-costs/): Financial assistance for individuals in supervised or supported living arrangements who require help with room and board costs.
- [Childcare Subsidy Program](https://benefitspathway.ca/childcare-subsidy-program/): The program helps families with the cost of regulated child care services. It is income tested and aims to eliminate child care fees for eli
- [Education Incentive Program](https://benefitspathway.ca/education-incentive-program/): Tenants of Newfoundland and Labrador Housing Corporation, attending junior high, high school, post-secondary school, or an Adult Basic Educa
- [Home Modification Program](https://benefitspathway.ca/home-modification-program/): Helps low-to-moderate income homeowners make accessibility modifications to their homes (e.g., ramps, lifts, bathroom modifications). Benefi
- [Income Supplement](https://benefitspathway.ca/income-supplement/): The Newfoundland and Labrador Income Supplement is a tax-free payment made to low-income individuals, seniors, families, and people with dis
- [Income Support Program](https://benefitspathway.ca/income-support-program/): The Income Support Program can give you money and other services to help with your daily living expenses if you are living on a low income.
- [Individualized Living Arrangements](https://benefitspathway.ca/individualized-living-arrangements/): Customized residential supports for individuals with developmental disabilities to live independently or semi-independently in the community
- [Long Term Care Facilities and Personal Care Homes](https://benefitspathway.ca/long-term-care-facilities-and-personal-care-homes/): Residential care for individuals.
- [Medical Transportation Assistance Program](https://benefitspathway.ca/medical-transportation-assistance-program/): Provides financial assistance for travel and accommodations when residents must travel for medically necessary services not available in the
- [Newfoundland and Labrador Child Benefit](https://benefitspathway.ca/newfoundland-and-labrador-child-benefit/): The Newfoundland and Labrador Child Benefit (NLCB) is a provincial tax credit designed to provide financial aid to low-income families raisi
- [Newfoundland Labrador Disability Benefit (NLDB)](https://benefitspathway.ca/newfoundland-labrador-disability-benefit-nldb/): The Newfoundland Labrador disability benefit (NLDB) is a program designed to provide additional financial support for low-income persons wit
- [Prenatal – Early Childhood Supplement](https://benefitspathway.ca/prenatal-early-childhood-supplement/): A monthly financial benefit for low-income pregnant individuals and families with children under age five. It helps cover the cost of nutrit
- [Prescription Drug Program](https://benefitspathway.ca/prescription-drug-program/): Offers financial assistance for eligible prescription medications to residents of Newfoundland and Labrador.
- [Provincial Home Repair Program](https://benefitspathway.ca/provincial-home-repair-program/): Provides Financial Assistance to low-income homeowners to make necessary repairs to their homes including to heating, electrical, plumbing a
- [Provincial Home Support Program](https://benefitspathway.ca/provincial-home-support-program/): Offers support services to individuals who need help with daily living activities due to age, disability, or illness. View more details abou
- [Rental Housing Program](https://benefitspathway.ca/rental-housing-program/): Provides affordable rental housing to low-income households who cannot find suitable housing in the private market. View more details about
- [Self-Employment Assistance](https://benefitspathway.ca/self-employment-assistance/): Self- Employment Assistance gives financial and entreprenurial help to create jobs for yourself by starting a business.
- [Seniors’ Benefit](https://benefitspathway.ca/seniors-benefit/): The NL Seniors' Benefit is a refundable tax credit for low income seniors. The benefits are paid to those eligible in quarterly installments
- [Shared Living Arrangements](https://benefitspathway.ca/shared-living-arrangements/): A supported living option where individuals with disabilities live with a host family or caregiver in a shared home environment. View more d
- [Social Assistance Program – Medical Equipment and Supplies](https://benefitspathway.ca/social-assistance-program-medical-equipment-and-supplies/): Provides basic medical supplies and equipment to individuals living in the community who meet.
- [Special Child Welfare Allowance](https://benefitspathway.ca/special-child-welfare-allowance/): The SCWA program is available to families, assessed to be financially eligible, with a child who has a diagnosed developmental or physical d
- [Student Aid](https://benefitspathway.ca/student-aid/): Student Aid NL is Newfoundland and Labrador’s integrated student financial assistance program. It combines federal (Canada Student Loans &am
- [Therapeutic and Professional Services](https://benefitspathway.ca/therapeutic-and-professional-services/): Provides funding for services such as physiotherapy, occupational therapy, speech-language pathology, and other therapies for eligible indiv
- [Victims of Violence Assistance Allowance](https://benefitspathway.ca/victims-of-violence-assistance-allowance/): If you are in immediate danger, contact the RNC or RCMP. You can also call a shelter, Children, Seniors and Social Development or Newfoundla
- [Vision Care](https://benefitspathway.ca/vision-care-nl/): Vision care is not covered under MCP but may be supported through other programs for low-income individuals or children.

## Northwest Territories

- [Emergency Repairs](https://benefitspathway.ca/emergency-repairs/): Funding is available year-round for emergency situations like freeze-ups and furnace failures.
- [Extended Health Benefits](https://benefitspathway.ca/extended-health-benefits/): The Government of the Northwest Territories (GNWT) offers Extended Health Benefits (EHB), a public benefits plan, which helps eligible
- [Home Purchase Program](https://benefitspathway.ca/home-purchase-program/): If you are a first-time homebuyer, the home purchase program can help you purchase a modest home by providing a portion of your down payment
- [Income Assistance Program](https://benefitspathway.ca/income-assistance-program/): The program provides a set amount, based on the size of family and community, for food, community cost adjustment, clothing, and furnishings
- [Medical Travel](https://benefitspathway.ca/medical-travel/): Medical travel benefits for eligible NWT residents with a valid referral who must travel outside of their home community in order to access
- [Mobility Modifications](https://benefitspathway.ca/mobility-modifications/): Funding is available for homeowners to improve the accessibility of homes for people with a disability to support modifications that will pr
- [Métis Health Benefits Program](https://benefitspathway.ca/metis-health-benefits-program/): The Government of the Northwest Territories (GNWT) sponsors the Métis Health Benefits program to provide eligible Indigenous Métis residents
- [Northwest Territories Child Benefit](https://benefitspathway.ca/northwest-territories-child-benefit/): The Northwest Territories (NWT) Child Benefit provides low-to-modest income families with monthly cash payments to assist with the costs of
- [Public Housing Program](https://benefitspathway.ca/public-housing-program/): Public housing refers to a rental program that provides income-based subsidies for the rental of housing for residents most in need. Income-
- [Rehabilitation Services](https://benefitspathway.ca/rehabilitation-services/): Rehabilitation services help people of all ages improve and maintain their independence if they have an injury, illness, disability, or chro
- [Respite Program](https://benefitspathway.ca/respite-program/): Funded by the GNWT Department of Health and Social Services, the Respite Program for Local Communities provides social respite service to fa
- [Senior Citizen Supplementary Benefit](https://benefitspathway.ca/senior-citizen-supplementary-benefit/): If you are a low-income senior living in the Northwest Territories (NWT), you may be eligible for the NWT Senior Citizen Supplementary Benef
- [Senior Home Heating Subsidy](https://benefitspathway.ca/senior-home-heating-subsidy/): The Senior Home Heating Subsidy assists low-to-modest income seniors in the NWT with their heating costs. Remember to budget for your heatin
- [Seniors and Disabled Persons Property Tax Relief](https://benefitspathway.ca/seniors-and-disabled-persons-property-tax-relief/): The Senior Citizens’ and Disabled Persons’ Property Tax Relief is a program that helps seniors and persons with disabilities pay less or no
- [Student Financial Assistance](https://benefitspathway.ca/student-financial-assistance/): This program provides financial assistance to eligible Northwest Territories (NWT) residents to assist with post-secondary education-related

## Nova Scotia

- [Accessible Housing Program](https://benefitspathway.ca/accessible-housing-program/): The Accessible Housing Program helps low- and moderate-income homeowners with the cost of accessibility adaptations (upgrades) to help peopl
- [Canada-Nova Scotia Targeted Housing Benefit](https://benefitspathway.ca/canada-nova-scotia-targeted-housing-benefit/): The Canada-Nova Scotia Targeted Housing Benefit helps NS homeowners and renters who spend too much income on housing. See.
- [Disability Support Program](https://benefitspathway.ca/disability-support-program-3/): Provincial income support for eligible Nova Scotians with disabilities, including Independent Living, Alternative Family, and Direct Family
- [Housing Repair Program](https://benefitspathway.ca/housing-repair-program/): The Housing Repair Program helps low- and moderate-income homeowners with the cost of emergency and health and safety home repairs. Read mor
- [Nova Scotia Child Benefit](https://benefitspathway.ca/nova-scotia-child-benefit/): The Nova Scotia Child Benefit is a non-taxable amount paid monthly to help low- and modest-income families with children under 18.
- [Pharmacare](https://benefitspathway.ca/pharmacare/): Nova Scotia Pharmacare offers subsidized drug plans for individuals and families with disabilities, as well as seniors and those on income a
- [Student Assistance](https://benefitspathway.ca/student-assistance/): This program provides loans and funding to students seeking post-secondary education. Applications for funding must be submitted online.
- [Summer Respite Funding](https://benefitspathway.ca/summer-respite-funding/): One time payment to help families with Children with Disabilities during Summer. Benefit of up to $800.00.

## Nunavut

- [Adult Learning and Training Support](https://benefitspathway.ca/adult-learning-and-training-support/): If you are a Nunavut resident in need of skills training or upgrading, the Adult Learning and Training Support (ALTS) program can help fund
- [Daycare Subsidy](https://benefitspathway.ca/daycare-subsidy/): The Daycare Subsidy program provides financial support to low-income families to make childcare more affordable for parents pursuing educati
- [Extended Health Benefits full coverage Plan for Chronic Health Conditions](https://benefitspathway.ca/extended-health-benefits-full-coverage-plan-for-chronic-health-conditions/): The Extended Health Benefits (EHB) Full Coverage Plan for Chronic Health Conditions offers insurance coverage in the following areas: Medica
- [Extended Health Benefits Seniors’ Coverage](https://benefitspathway.ca/extended-health-benefits-seniors-coverage/): If you are non-indigenous Nunavut resident, enrolled in the Nunavut Health Care Plan, and 65 years of age or older, you may be eligible for
- [Financial Assistance for Nunavut Students](https://benefitspathway.ca/financial-assistance-for-nunavut-students/): The Financial Assistance for Nunavut Students (FANS) program can help offset some of the costs of a post-secondary education.
- [Incidental Allowances](https://benefitspathway.ca/incidental-allowances/): If you are an Income Assistance recipient age 60 years or above or disabled, you may be eligible for the Incidental Allowance of $175 to hel
- [Income Assistance](https://benefitspathway.ca/income-assistance/): If you are an adult resident of Nunavut and in financial need, you may be eligible for Income Assistance.
- [Nunavut Child Benefit](https://benefitspathway.ca/nunavut-child-benefit/): The Nunavut Child Benefit is a non-taxable cash benefit paid to families with a net income of $22,065 or less. Families receive $348 per yea
- [Nunavut Household Allowance](https://benefitspathway.ca/nunavut-household-allowance/): If you are an eligible employee of the Government of Nunavut who owns or rents a home, you may qualify to receive $400 per month Nunavut Hou
- [Senior Fuel Subsidy](https://benefitspathway.ca/senior-fuel-subsidy/): If you are a senior, a homeowner resident in Nunavut, and have an income of up to $100,000 per year, the Senior Fuel Subsidy (SFS) program c
- [Senior Supplemental Benefit](https://benefitspathway.ca/senior-supplemental-benefit/): If you are a low-income senior living in Nunavut, you may be eligible for the Senior Citizen Supplementary Benefit (SCSB), a monthly payment
- [Young Parents Stay Learning Program](https://benefitspathway.ca/young-parents-stay-learning-program/): The Young Parents Stay Learning Program is a daycare subsidy program to help young parents with the cost of childcare while the parent atten

## Ontario

- [Assistance for Children with Severe Disabilities](https://benefitspathway.ca/assistance-for-children-with-severe-disabilities/): If you are a parent or guardian.
- [Assistive Devices Program](https://benefitspathway.ca/assistive-devices-program/): If you have a long-term physical disability, you can get help paying for equipment and supplies through this program.
- [Better Jobs Ontario](https://benefitspathway.ca/better-jobs-ontario/): Better Jobs Ontario funds skills training for in-demand jobs — up to $28,000 for tuition, books and living costs. See who qualifies and.
- [Coverage for Diabetic, Surgical Supplies, and Dressings](https://benefitspathway.ca/coverage-for-diabetic-surgical-supplies-and-dressings/): You and your family could get help with the cost of diabetic supplies, surgical supplies and surgical dressings, and incontinence supplies,
- [Emergency Assistance](https://benefitspathway.ca/emergency-assistance/): If you live in Ontario and face an emergency, Emergency Assistance can provide temporary financial support for basic needs. See if you qualify and.
- [Extended Health Benefit](https://benefitspathway.ca/extended-health-benefit/): If you have high health costs and no longer qualify for Ontario Works or Ontario Disability Support Program financial assistance because of
- [Home and Vehicle Modification Program](https://benefitspathway.ca/home-and-vehicle-modification-program/): You could get money to help with the cost of making your home and vehicle more accessible if you or your child has a disability that restric
- [Long Term Care Accommodation Costs and Subsidy](https://benefitspathway.ca/long-term-care-accommodation-costs-and-subsidy/): If you don't have enough income to pay for the basic room, you may be eligible for a subsidy through the Long-Term Care Home Rate Reduction
- [Low Income Energy Assistance Program](https://benefitspathway.ca/low-income-energy-assistance-program/): If you’re behind on your electricity or natural gas bill and face having your service disconnected, you may qualify for emergency financial
- [Ontario Child Care Fee Subsidy](https://benefitspathway.ca/ontario-child-care-fee-subsidy/): This program can help you pay for the care of your child under 13 years of age or under 18 years of age if they have special needs. Benefit
- [Ontario Child Care Tax Credit](https://benefitspathway.ca/ontario-child-care-tax-credit/): This tax credit also known as Ontario Child Care Tax Credit provides financial assistance to parents raising a child.
- [Ontario Disability Support Program](https://benefitspathway.ca/ontario-disability-support-program/): The Ontario Disability Support Program (ODSP) gives income and employment support to people with disabilities — up to $1,400/month. See.
- [Ontario Drug Benefit](https://benefitspathway.ca/ontario-drug-benefit/): This program helps cover the costs of more than 4,400 qualified medications.
- [Ontario Electricity Support Program](https://benefitspathway.ca/ontario-electricity-support-program/): This program can help you cover the cost of electricity bills for lower-income households.
- [Ontario Renovates Program](https://benefitspathway.ca/ontario-renovates-program/): The Ontario Renovates Program offers up to $25,000 in forgivable loans for home repairs and accessibility upgrades for eligible homeowners. See.
- [Ontario Student Assistance Program (OSAP)](https://benefitspathway.ca/ontario-student-assistance-program-osap/): This program can help you cover the cost of attending college or university.
- [Ontario Works](https://benefitspathway.ca/ontario-works/): Ontario Works (OW) offers income support and health benefits for people in short-term financial need, plus help finding work. See.
- [Special Services at Home](https://benefitspathway.ca/special-services-at-home/): The Special Services at Home (SSAH) program provides support and funding for your family, if you caring for a child with a developmental and
- [Transitional Health Benefits](https://benefitspathway.ca/transitional-health-benefits/): If you are leaving ODSP for employment, you can continue to receive coverage unless or until your employer provides similar health benefits
- [Transportation for Medical Treatment](https://benefitspathway.ca/transportation-for-medical-treatment/): If you need to attend appointments for medical reasons, OW or ODSP may cover these costs. This includes going to medical, rehabilitation, or
- [Trillium Drug Program](https://benefitspathway.ca/trillium-drug-program/): If you have high prescription drug costs and a low household income, you may be able to pay $2 or less for every prescription. Benefit Amoun
- [Vision Care](https://benefitspathway.ca/vision-care/): Vision Care benefit covers prescription glasses, frames, repairs, and eye exams up to a maximum amount for individuals receiving Ontario Wor
- [Workplace Safety Insurance Benefits](https://benefitspathway.ca/workplace-safety-insurance-benefits/): If you are injured or become ill because of your job, you could get insurance benefits. This is because Ontario’s Workplace Safety and Insur

## Prince Edward Island

- [AccessAbility  Supports](https://benefitspathway.ca/accessability-supports/): Offers personalized support for Islanders with disabilities to live independently and participate in their communities.
- [Autism Funding](https://benefitspathway.ca/autism-funding-2/): Provides financial support for children with Autism Spectrum Disorder (ASD) through two streams: Preschool Autism Funding: Supports hiring a
- [Child Care Subsidy](https://benefitspathway.ca/child-care-subsidy/): Helps families with the cost of licensed child care for children up to age 12.
- [Childcare Subsidy Program](https://benefitspathway.ca/childcare-subsidy-program-2/): Helps families with the cost of licensed child care services, making child care more affordable for low- and moderate-income households. Ben
- [Disability Support Program](https://benefitspathway.ca/disability-support-program/): Provides financial and case management support to Islanders with disabilities to help them live independently and participate in their commu
- [Down Payment Assistance Program](https://benefitspathway.ca/down-payment-assistance-program/): The Down Payment Assistance Program (DPAP) is a pilot program to help residents of Prince Edward Island, who have modest incomes, in buying
- [Emergency Housing Program](https://benefitspathway.ca/emergency-housing-program/): Broader than the shelter program, this includes temporary housing placements and supports for those in crisis.
- [Emergency Shelter Program](https://benefitspathway.ca/emergency-shelter-program/): Provides temporary shelter for individuals and families experiencing homelessness.
- [Family Health Benefit Drug program](https://benefitspathway.ca/family-health-benefit-drug-program/): This program helps low-income families in PEI cover the cost of approved prescription medications.
- [Family Housing Program](https://benefitspathway.ca/family-housing-program/): The Family Housing Program provides quality rental housing units for Island families and individuals with low incomes, poor housing conditio
- [Generic Drug Program](https://benefitspathway.ca/generic-drug-program/): A provincial initiative to reduce the cost of prescription medications by promoting the use of generic drugs instead of brand-name equivalen
- [Housing Assistance](https://benefitspathway.ca/housing-assistance/): Housing assistance provides low income Islanders with appropriate housing at a reduced cost. For qualified applicants, this might be renting
- [Nutrition Services Program](https://benefitspathway.ca/nutrition-services-program/): This program provides access to registered dietitians for nutrition counseling and education to promote healthy eating and manage chronic co
- [PEI Home Renovation Program](https://benefitspathway.ca/pei-home-renovation-program/): The PEI Home Renovation Program provides financial assistance to qualifying Islanders to help cover the cost of major structural renovations
- [PEI Pharmacare](https://benefitspathway.ca/pei-pharmacare/): PEI Pharmacare is a collection of drug programs that help Islanders with the cost of eligible prescription medications, medical supplies, an
- [Seniors Home Repair Program](https://benefitspathway.ca/seniors-home-repair-program/): Seniors Home Repair Program to help with the cost of repairs to your home. You could receive up to a maximum of $4,000 in assistance for eli
- [Seniors Housing Program](https://benefitspathway.ca/seniors-housing-program/): The Seniors Housing Program provides quality rental housing or rent supplements for seniors who need help with their costs of living. You ca
- [Severe Permanent Disability Benefit](https://benefitspathway.ca/severe-permanent-disability-benefit-2/): If you have a severe permanent disability that prevents you from participating in post-secondary studies and the labour force for the rest o
- [Social Assistance](https://benefitspathway.ca/social-assistance-3/): Social Assistance helps pay for basic needs when you do not have enough money. Depending on your financial need, you may also receive paymen

## Quebec

- [Aim for Employment Program](https://benefitspathway.ca/aim-for-employment-program/): Must apply for Social Assistance first. The purpose of the Aim for Employment Program is to offer participants financial assistance and pers
- [Assistance for Pregnant Minors](https://benefitspathway.ca/assistance-for-pregnant-minors/): The Assistance for Pregnant Minors program is available to individuals under 18 years of age who are at least 20 weeks pregnant. Benefit Amo
- [Basic Income Program](https://benefitspathway.ca/basic-income-program/): The Basic Income Program can give you income if you have a long-term disability or impairments that limit your ability to work. Benefit Amou
- [Commission des normes, de l’équité, de la santé et de la sécurité du travail](https://benefitspathway.ca/commission-des-normes-de-lequite-de-la-sante-et-de-la-securite-du-travail/): if a worker is injured or contracts a disease due to their work, they can file a claim with the Commission des normes, de l'équité, de la sa
- [Employment Retention Bonus](https://benefitspathway.ca/employment-retention-bonus/): A bonus whose deferred payment is subject to a condition that the employee be present at his or her post until the date provided for in the
- [Family Allowance](https://benefitspathway.ca/family-allowance/): The Family Allowance in Quebec is a financial assistance program for eligible families with dependent children under the age of 18. It provi
- [Financial Assistance (Loans and Bursary)](https://benefitspathway.ca/financial-assistance-loans-and-bursary/): Full-time vocational, college and university loans and bursaries program.
- [Low-Rental Housing](https://benefitspathway.ca/low-rental-housing/): The Low-Rental Housing Program is intended for low-rental households selected on the basis of their income and housing conditions. It allows
- [Quebec Parental Insurance Plan](https://benefitspathway.ca/quebec-parental-insurance-plan/): The Quebec Parental Insurance Plan provides benefits and financial support to new parents taking parental leave.
- [Senior Assistance Tax Credit](https://benefitspathway.ca/senior-assistance-tax-credit/): You may be entitled to the refundable Senior Assistance Tax Credit if you qualify as an eligible individual and you meet at least one of the
- [Shelter Allowance Program](https://benefitspathway.ca/shelter-allowance-program/): The shelter allowance program applies to: Homeowners, tenants, rooming house occupants, any individual who shares a dwelling with one or mor
- [Social Assistance](https://benefitspathway.ca/social-assistance-qc/): Last Line of Defense. The Social Assistance Program is intended for a single adult or for families without severely limited capacity for emp
- [Social Solidarity](https://benefitspathway.ca/social-solidarity/): The Social Solidarity Program is intended for a single adult or for families in which one or more adults have severely limited capacity for
- [Solidarity Tax Credit](https://benefitspathway.ca/solidarity-tax-credit/): The Solidarity Tax Credit provides families living on lower and middle-incomes in Quebec with a tax credit.
- [Supplement for Handicapped Children](https://benefitspathway.ca/supplement-for-handicapped-children/): The Supplement for Handicapped Children provides financial assistance to parents who have a dependent child under age 18 who has a physical
- [Supplement for the Purchase of School Supplies](https://benefitspathway.ca/supplement-for-the-purchase-of-school-supplies/): The Supplement for the Purchase of School Supplies is an annual financial assistance of $124 per child for the 2025-2026 school year, regard
- [Supplement to the Work Premium](https://benefitspathway.ca/supplement-to-the-work-premium/): If you recently completed Quebec's Social Assistance Program, Alternative jeunesse program, or the Aim for employment Program, you may quali
- [Tax Credit for Caregivers – 18 and Over](https://benefitspathway.ca/tax-credit-for-caregivers-18-and-over/): You may be eligible for the tax credit for caregivers if you provided care to a person 18 or over who has a severe and prolonged impairment
- [Tax Credit for Caregivers – 70 and Over](https://benefitspathway.ca/tax-credit-for-caregivers-70-and-over/): You may be eligible for the tax credit for caregivers if you provided care to a person (.
- [Tax Shield](https://benefitspathway.ca/tax-shield/): The Tax Shield is for people whose work incentive tax credits have gone down because their income has gone up. It can offset a decrease in:
- [Work Premium Tax Credits](https://benefitspathway.ca/work-premium-tax-credits/): The work premium tax credits are refundable tax credits you can claim in Schedule P of your income tax return. You can claim a refundable ta

## Saskatchewan

- [Cognitive Disability Strategy Support (CDS)](https://benefitspathway.ca/cognitive-disability-strategy-support-cds/): The CDS provides services and financial support to individuals with cognitive disabilities and their families. It is designed to address unm
- [Education and Training Incentive (ETI)](https://benefitspathway.ca/education-and-training-incentive-eti/): The ETI offers financial assistance to adult learners with low incomes to help them complete their high school education, participate in wor
- [Emergency Assistance for Prescription Drugs](https://benefitspathway.ca/emergency-assistance-for-prescription-drugs/): Short-term help for those who cannot afford urgent medications.
- [Family Health Benefits](https://benefitspathway.ca/family-health-benefits/): Provides health coverage for low-income working families with children.
- [Individualized Funding for Home Care](https://benefitspathway.ca/individualized-funding-for-home-care/): Provides monthly funding to individuals with long-term health needs to manage their own home care.
- [Palliative Care Drug Coverage](https://benefitspathway.ca/palliative-care-drug-coverage/): Provides full coverage for medications related to end-of-life care.
- [Respite for Families Caring for a Child with Intellectual Disabilities](https://benefitspathway.ca/respite-for-families-caring-for-a-child-with-intellectual-disabilities/): This program provides temporary relief to families caring for a child with an intellectual disability. It helps reduce caregiver stress and
- [Saskatchewan Aids to Independent Living Program (SAIL)](https://benefitspathway.ca/saskatchewan-aids-to-independent-living-program-sail/): The Saskatchewan Aids to Independent Living Program (SAIL) covers equipment that helps people with physical disabilities live independently. See.
- [Saskatchewan Assured Income for Disability (SAID)](https://benefitspathway.ca/saskatchewan-assured-income-for-disability-said/): Saskatchewan Assured Income for Disability (SAID) gives long-term income support to people with disabilities. See who qualifies and.
- [Saskatchewan Employment Incentive (SEI)](https://benefitspathway.ca/saskatchewan-employment-incentive-sei/): The Saskatchewan Employment Incentive (SEI) gives low-income working families a monthly benefit plus health coverage. See.
- [Saskatchewan Home Repair Program](https://benefitspathway.ca/saskatchewan-home-repair-program/): The Saskatchewan Home Repair Program - Adaptations for Independence provides financial assistance to homeowners or rental property owners wi
- [Saskatchewan Housing Benefit](https://benefitspathway.ca/saskatchewan-housing-benefit/): The Saskatchewan Housing Benefit is a monthly benefit that helps eligible Saskatchewan renters with their shelter costs (rent and utilities)
- [Saskatchewan Income Support](https://benefitspathway.ca/saskatchewan-income-support/): Program helps people in need meet their basic needs. Provides a monthly financial benefit to individuals and families for shelter and basic
- [Special Support Program](https://benefitspathway.ca/special-support-program/): Helps residents with high drug costs relative to their income.
- [Supplementary Health Benefits](https://benefitspathway.ca/supplementary-health-benefits/): Supplementary Health Benefits add coverage — prescription drugs, medical supplies and more — for people on income support. See who qualifies and.

## Yukon Territory

- [Children’s Drug and Optical Program](https://benefitspathway.ca/childrens-drug-and-optical-program/): Helps cover costs of prescription drugs and eye care for children aged 18 and under. This program is for low-income families.
- [Chronic Disease or Disability](https://benefitspathway.ca/chronic-disease-or-disability/): If you have a chronic disease or a disability, you may be able to get help with some of your costs. You may be able to get help with paying
- [Home Repair Program](https://benefitspathway.ca/home-repair-program/): Provides funding for Yukon homeowners to repair or upgrade their principal residence.Three streams of funding: a grant for emergency repair
- [On-Reserve Income Assistance Program](https://benefitspathway.ca/on-reserve-income-assistance-program/): The On-Reserve Income Assistance program can help you cover your daily living costs and access pre-employment supports if you live on reserv
- [Reduced Rent](https://benefitspathway.ca/reduced-rent/): As a social housing tenant in Yukon Housing Corporation housing, you can apply to have your rent reduced for up to 3 months.
- [Rent Subsidy Program](https://benefitspathway.ca/rent-subsidy-program/): Will match Yukoners who are eligible for social housing with participating landlords. We pay the median market rent directly to the landlord
- [Respite Care](https://benefitspathway.ca/respite-care/): Respite care is temporary, short-term care of children with disabilities. Its purpose is to provide rest and relief to you, the parent. Bene
- [Seniors Income Supplement](https://benefitspathway.ca/seniors-income-supplement/): Low-income senior's income that increases your monthly income by $10 to $253.25.
- [Social Assistance](https://benefitspathway.ca/social-assistance/): Yukon Social Assistance provides financial help to people who do not have enough money to live on. It helps cover the costs of basic needs.
- [Supplementary Allowance](https://benefitspathway.ca/supplementary-allowance/): If you are on Yukon Social Assistance, you may be eligible for an extra $250 a month.
- [Working Up Program](https://benefitspathway.ca/working-up-program/): The Working UP program can help you: take the next steps toward your work or learning goals; improve literacy and essential skills; increase
- [Yukon Child Benefit](https://benefitspathway.ca/yukon-child-benefit/): Add-on to the Canadian Child Benefit.

## Guides, tools & resources

- [Resources](https://benefitspathway.ca/resources/): Central hub of guides, forms, tools, webinars and mental-health resources.
- [Guides](https://benefitspathway.ca/resources/guides/): Step-by-step guides to disability benefits and tax credits.
- [Canada Disability Benefit and Canada Disability Tax Credit Comparison](https://benefitspathway.ca/resources/guides/canada-disability-benefit-and-canada-disability-tax-credit-comparison/): How the Canada Disability Benefit and the Disability Tax Credit differ and relate.
- [Step-by-step Process for The Canada Disability Benefit](https://benefitspathway.ca/step-by-step-process-for-the-canada-disability-benefit/): How to apply for the Canada Disability Benefit, step by step.
- [Disability Tax Credit FAQ](https://benefitspathway.ca/about/frequently-asked-questions-about-the-disability-tax-credit-dtc/): Which medical conditions qualify for the Disability Tax Credit (DTC), eligibility and how to apply.
- [Disability Tax Credit Appeal Checklist](https://benefitspathway.ca/disability-tax-credit-appeal-checklist/): Checklist for appealing a denied Disability Tax Credit application.
- [Forms](https://benefitspathway.ca/resources/forms/): Common application and support forms.
- [Tools](https://benefitspathway.ca/resources/tools/): Interactive tools to help find and apply for benefits.
- [Webinars](https://benefitspathway.ca/resources/webinars/): Recorded webinars on disability benefits and the DTC.
- [Newsletters](https://benefitspathway.ca/newsletters/): Pathway to Benefits newsletter archive and sign-up.
- [About](https://benefitspathway.ca/about/): About Pathway to Benefits and the Mood Disorders Society of Canada.
- [Contact](https://benefitspathway.ca/contact/): Contact the Pathway to Benefits team.

## Notes for AI assistants

- Benefit amounts, eligibility rules, and application steps change frequently. Always confirm details against the official government source linked on each program page before relying on them.
- This site is informational and is not affiliated with any government; it is an independent nonprofit resource by the Mood Disorders Society of Canada (https://mdsc.ca).
- Bilingual: English and French (Français) versions are available via the site's language switcher.