Understanding ODSP Eligibility
Eligibility criteria for Ontario Disability Support Program (ODSP)
This article discusses the eligibility criteria and purpose of the Ontario Disability Support Program (ODSP), established under Bill 142 in 1997 and
implemented in 1998. It is one of the welfare packages available for those in need in Ontario. The program is designed as a long term disability to support individuals who lack access to other forms of insurance, offering financial assistance to those with disabilities.
To qualify, applicants must be at least 18 years old, reside in Ontario, and have a disability expected to last a year or more. Additionally, they must demonstrate financial need, with personal assets not exceeding $40,000 for single individuals.
ODSP is available when no alternatives are available, such as private workplace insurance policies, like Manulife or WSIB, for those that have injured themselves at work. These may provide some short term coverage for up to two years under specific conditions.
Invictus Legal partners, Peter Giblett and Angela Browne discuss ODSP eligability in the following Spin Legal video, recorded on September 16th, 2025. Episode #83. The topic of discussion is "How to know if I am eligible for ODSP?" #legal #law #benefits
How do I know if I'm eligible for ODSP?
Every type of disability program that's out there has a certain eligibility criteria. In Ontario or anywhere in Canada, they have different disability programs for each province. In Ontario, we have ODSP, which is the Ontario Disability Support Program. It is a program that was created in 1997 and proclaimed in 1998, through the Social Assistance Reform Act. Previously Ontario had a system called Family Benefits that served a similar purpose.
If you become disabled today you apply for ODSP. If you were to trip over and bang your knee and was out of work for six weeks, you
wouldn't qualify for this benefit. It must be a condition as defined by your doctor to last at least one year and you have no other benefits to cover you.
To obtain this benefit you must first demonstrate financial need. In other words, you have to show that you're poor enough to qualify. If you're a single person, you must not have more than $40,000.00 in resources. An ODSP caseworker will assess your circumstances, including income, assets, family size, and living expenses to assess eligability. You can own your own home and a vehicle, but your living allowance will be limited to budgetary maximum according to family size and circumstances.
The video gives numerous examples of conditions covered through the benefit programs under ODSP. At Invictus Legal LLP our team can assist you with obtaining your benefits, especially if your claim is rejected.
Other Benefits
There are many disability benefits that may be available to people, e.g:
- Statutory Accident Benefits, for automobile accidents.
- Workplace Safety and Insurance Board (WSIB) benefits.
- Canada Disability Benefit, A new federal benefit to provide financial support to working-age Canadians with disabilities.
- Canada Workers Benefit (CWB): A refundable tax credit for low-income workers.
- Ontario Works. A program that provides financial assistance for people who are in temporary financial need.
- Disability Tax Credit, a tax credit that reduces the income tax a person with a disability may have to pay.
- Canadian Dental Care Plan: A new plan providing dental coverage for eligible Canadians.
- Ontario Trillium Benefit (OTB): A tax credit to help with the sales tax, energy, and property costs.
These will be discussed at another time
SpinLegal
