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Sun, Nov 6th, 2016, 10:18 AM #1
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Are benefits like CCB ( Canada Child Benefit ) ,OCB (Ontario Child Benefit ), OTB(Ontario Trillium Benefit ), HST/GST quaterly credit included and considered as income while calculating Social Assistance payments aka Ontario Works aka Welfare.
Are they clawed back or deducted from Social Assistance payments, either fully or partially ?
And vice versa , are social assistance payments considered as net income or gross income, while calculating various payments like CCB, OCB, OTB, HST credit ? Are they in addition to the social assistance payments and mutually exclusive ?
I mean if a Single mom with 2 small kids is getting $ 1,100 a month in social assistance based on her situation and circumstances. Will she get monthly CCB, OCB, OTB, and qtrly HST credit on top of the social assistance ? Or will they deduct either partially or fully from the $ 1,100.This thread is currently associated with: N/A
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Sun, Nov 6th, 2016, 10:20 AM #2
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So far as I know social assistance is not taxable income and does not count in the calculation of these benefits. Since the income is so low, you should be getting max CCTB and OCB. OTB is calculated based on several things including the amount paid for rent per annum.
Basic needs on social assistance is lower if you're receiving CCTB because they expect you to use that money for your kids needs and less from them.
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Sun, Nov 6th, 2016, 12:49 PM #3
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A bank or the government would consider just the OW your income.
No.
Social assistance payments are not taxed so gross income = net income, and that is the income you would declare when applying for other benefits.
She will get the credits on top with no deductions.
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Sun, Nov 6th, 2016, 04:08 PM #4
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Cool. I will tell her that.
She still hasn't applied for Ontario Works ( Social Assistance ), some unfortunate and tragic circumstances have forced her into this .
Husband commited suicide due to clinical depression ! Was laid off and had other issues, even before that.
I don't think, she is in a position to do a job, as no one is really there to take care of the kids, besides her. Plus day care costs, kids school, juggling kids and job, and everything might be too difficult for her right now.
Only social assistance might not be enough to survive, it barely covers rent. So all other credits like CCB, OTB might come in handy for food, utilities, groceries, clothes, shoes etc.
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Sun, Nov 6th, 2016, 04:09 PM #5
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http://www.mcss.gov.on.ca/en/mcss/pr.../index.aspx#ow
The incomes & exemptions for OW purposes:
Canada Child Benefit (CCB)
The Canada Child Benefit (CCB) is a tax-free monthly payment from the CRA to assist eligible families with the cost of raising children under the age of 18. As of July 1, 2016, the CCB replaces the Canada Child Tax Benefit, including the National Child Benefit Supplement, and the Universal Child Care Benefit. The Child Disability Benefit will continue to be provided, where applicable.
The CCB is exempt as income for the purposes of social assistance and allowable child care deductions are not reduced by the amount of the benefit (see Directive 5.4: Child Care Deductions for more information and see Directive 5.6: Federal Supplements for Families with Children for more information).
Retroactive Canada Child Tax Benefit (CCTB) and Universal Child Care Benefit (UCCB) Payments
Any retroactive CCTB, including NCBS, and/or the UCCB payments received by families following the implementation of the CCB on July 1, 2016, will continue to be exempt as income and allowable child care deductions are not reduced by the amount of the benefit (see Directive 5.4: Child Care Deductions for more information).
Ontario Child Benefit
The Ontario Child Benefit (OCB), including the one-time down payment, is exempt as income for the purposes of social assistance.2021-Bring on the sunshine, sweets & online shopping.
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Sun, Nov 6th, 2016, 06:50 PM #6
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Mon, Nov 7th, 2016, 10:03 AM #7
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All the best to your friend; take one day at a time. Give thanks for having her precious children and caring friends like yourself. When she is feeling a little better, perhaps she can join us on SC.
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Mon, Nov 7th, 2016, 07:14 PM #8
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She may also be entitled to CPP benefits for herself and the children if her husband was a contributor, also up to $2500 towards funeral costs.
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Mon, Nov 7th, 2016, 08:33 PM #9
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Mon, Nov 7th, 2016, 10:26 PM #10
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There may be college programs for academic upgrading or prep courses that allow applications for transit costs (bus fare) and maybe something for child care. Mohawk College has at least one such program. http://www.mohawkcollege.ca/programs...-upgrading-ace
2021-Bring on the sunshine, sweets & online shopping.
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Tue, Nov 8th, 2016, 02:36 PM #11
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TJ-my 17 year old receives a CPP pension based on the death of her birth father when she was very young. It will continue up to age 25 as long as she is still in school.
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Thu, Nov 10th, 2016, 02:34 PM #12
My heart goes out to your friend. I can't even begin to imagine the tumult her life must be in right now. Food banks are a good resource for her to help make ends meet, even just to supplement her grocery budget. There are usually also Facebook trading groups that may be helpful in donating clothes/shoes, especially for the kids (there are often a lot of people that will sell a garbage bag of misc clothing as a lot instead of by item). Also make sure she applies for Ontario Electricity Support Program to help with hydro costs - it's not much but every little bit helps.
Also, not really financial advice, but please encourage her to reach out to her local CMHC and see what resources are available to her for her own mental health. Dealing with a suicide in itself is so hard, but to have the added stress of making sure the kids are still taken care of while she's dealing with her own grief, and the stress of (the lack of enough) money, she will need some serious stress and mental health support. It may also help her deal with the loss faster and help her get back into the workforce to support her family again.Last edited by Wandress433; Thu, Nov 10th, 2016 at 02:36 PM.
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Fri, Nov 11th, 2016, 11:56 AM #13
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Last edited by johnb56789; Fri, Nov 11th, 2016 at 12:23 PM.
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Fri, Nov 11th, 2016, 12:07 PM #14
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Fri, Nov 11th, 2016, 12:24 PM #15
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I wasn't 100% sure about that, I was using the Child & Family Benefit Calculator on CRA, it showed "Expected Working Income" inclusions as Social Assistance Payments. But I could be wrong, I haven't done much in the way of taxes, only a few personal returns and nothing actually with the WITB. Sorry
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