Income Security: A Roadmap for Change

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• People must be able to access a straight-forward and effective process for resolving disputes, regardless of the delivery mechanism used • People in core housing may either rent or own their homes In some communities, like those in rural settings, there is no robust rental market to speak of and home ownership may be the only available option While housing prices in these communities may be relatively more affordable than in large urban centres, affordability is still a challenge when other costs like electricity, energy and property taxes are factored in While a portable housing benefit is believed to be a viable tool to help renters, it may not be the best solution for addressing the needs of home owners As such, further work is needed in the housing sector to explore approaches to supporting home ownership where most appropriate • The housing benefit should not exclude First Nations people living in poverty in First Nations communities (on-reserve) Lack of access to adequate housing on-reserve is a critical issue Ontario must work with First Nations and the federal government to provide the benefit (or a functional alternative) in a way that includes First Nations Based on these considerations, it is recommended that the Province start with a portable housing benefit for renters that fills some portion of the difference (ie, “the gap”) between household income, how much is expected to be spent on rent and the actual housing cost The importance of moving quickly to provide some relief to those in deep core housing need is seen as paramount As such, there is value in introducing the benefit even if it starts out at a very modest level. HOW THE PROPOSED PORTABLE HOUSING BENEFIT WORKS This illustration describes the proposed Ontario Housing Benefit using an example of how the benefit would work for a specific household. 76 Income Security: A Roadmap for Change
MONTHLY BENEFIT = GAP COVERAGE * AFFORDABILITY GAP 100% HOUSEHOLD TYPE FAMILY AFFORDABILITY STANDARD 30% HOUSEHOLD INCOME $1500 HOUSEHOLD INCOME $1500 ACTUAL RENT The rent paid by the household or the maximum rent, whichever is lower. AFFORDABLE RENT The affordability standard multiplied by household income or the minimum contribution, whichever is higher. HOUSEHOLD HOUSEHOLD HOUSEHOLD INCOME INCOME INCOME $1500 $1500 $1500 50% 30% ACTUAL RENT $750 AFFORDABLE RENT $450 AFFORDABILITY GAP $300 BENEFIT $225 HOUSEHOLD PAYS $525 35% 0% 1 2 3 4 5 Consider a family making $1500 per month and paying $750 or 50% of their income in rent. Because they are a family, the household’s affordability standard is set to 30% of income, making its affordable rent level 30% of $1500, or $450. The household’s affordability gap is $300, the difference between the affordable rent ($450) and the actual rent paid ($750). The household receives 75% of the $300 affordability gap, a monthly benefit of $225. The household’s rent is effectively reduced to $525 per month by this benefit, and now spends only 35% of income on rent. Income Security: A Roadmap for Change 77
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INCOME SECURITY A Roadmap for Chang
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ACHIEVING INCOME ADEQUACY69 Setting
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A CLOSING NOTE164 APPENDIX A: Membe
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INCOME SECURITY: FUTURE STATE Essen
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3. Recognizing the Experience of In
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ENGAGING THE WHOLE INCOME SECURITY
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• The federal government enhance
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• Individual choice and well-bein
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• Conduct analyses on current and
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A TRANSFORMED SOCIAL ASSISTANCE STR
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• Initially exempt 25% of Canada
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SELF-GOVERNANCE AND RESPECT FOR FIR
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• First Nations social service pr
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• The capabilities, skills and pr
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SEQUENCING REFORM The Roadmap recom
Page 32 and 33: We recommend the Province commit to
Page 34 and 35: 2015 also saw a commitment by the f
Page 36 and 37: MESSAGE FROM THE URBAN INDIGENOUS T
Page 38 and 39: Community members stressed the impo
Page 40 and 41: INTRODUCTION PURPOSE The Income Sec
Page 42 and 43: Income Security Reform in the conte
Page 44 and 45: 2. Essential needs are increasingly
Page 46 and 47: • Research by the Social Planning
Page 48 and 49: The Additional Costs of Disability
Page 50 and 51: • From 2011 to 2014, the incidenc
Page 52 and 53: • Studies also show that adult-on
Page 54 and 55: • Indigenous peoples have signifi
Page 56 and 57: A NOTE ON PREVIOUS REPORTS Over the
Page 58 and 59: ONTARIO’S INCOME SECURITY SYSTEM
Page 60 and 61: services 64 More than 68% of socia
Page 62 and 63: FEDERAL AND PROVINCIAL INCOME SECUR
Page 64 and 65: The federal Canada Child Benefit, t
Page 66 and 67: ENVISIONING THE FUTURE VISION All i
Page 68 and 69: GUIDING PRINCIPLES The following pr
Page 70 and 71: and structural racism to ensure equ
Page 72 and 73: 3. Recognizing the Experience of In
Page 74 and 75: Critical steps must also be taken t
Page 76 and 77: areas, including remote areas In se
Page 78 and 79: DETAILED RECOMMENDATIONS 1.1 The Pr
Page 80 and 81: ONTARIO HOUSING BENEFIT Recommendat
Page 84 and 85: “I’ve been waiting for housing
Page 86 and 87: Children who are being cared for by
Page 88 and 89: When a child is in the care of a Ch
Page 90 and 91: WORKING INCOME TAX BENEFIT Recommen
Page 92 and 93: CORE HEALTH BENEFITS Recommendation
Page 94 and 95: A key strength of Ontario’s curre
Page 96 and 97: TRANSFORMING SOCIAL ASSISTANCE OBJE
Page 98 and 99: DETAILED RECOMMENDATIONS 7.1 Develo
Page 100 and 101: People need to feel they have perso
Page 102 and 103: focussing primarily on eligibility
Page 104 and 105: • People are able to access servi
Page 106 and 107: • A simpler social assistance str
Page 108 and 109: 8.6 Regularly situate Ontario Works
Page 110 and 111: We note that ODSP has many positive
Page 112 and 113: as simple and streamlined as possib
Page 114 and 115: 9.4 Provide provincial-level assist
Page 116 and 117: Because moving to an assured income
Page 118 and 119: A TRANSFORMED SOCIAL ASSISTANCE STR
Page 120 and 121: This flat-rate structure would appl
Page 122 and 123: DETAILED RECOMMENDATIONS 11.1 Trans
Page 124 and 125: First Nations Delivery Agents of On
Page 126 and 127: INCOME AND ASSETS Recommendation 13
Page 128 and 129: additional costs they may have—wh
Page 130 and 131: HELPING THOSE IN DEEPEST POVERTY OB
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Single Non-disabled Person Fall 201
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• Setting the Standard Flat Rate
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The first Indian Act was passed by
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While the recommendations noted abo
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DETAILED RECOMMENDATIONS 16.1 Based
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16.10 Take steps to ensure that Fir
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• Community-based initiatives spe
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• Increasing and expediting help
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Until further changes to the 1965 A
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A CALL ON THE FEDERAL GOVERNMENT Th
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The Roadmap emphasizes the need for
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IMPLEMENTING AND MEASURING CHANGE M
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3. The need to take a system-wide a
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SEQUENCING CHANGE: A 10-YEAR ROADMA
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YEAR 2 The second year of implement
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YEARS 4 TO 10 Years 4 to 10 will ma
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THE COST OF INACTION Poverty is int
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• Ontario Drug Benefit costs for
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• Social Assistance, through: •
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A CLOSING NOTE This Roadmap holds t
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Violet Boissoneau Linda Cobiness Jo
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APPENDIX B: POVERTY REDUCTION STRAT
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Canada Pension Plan - Disability (C
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Indigenous Friendship Centres: Not-
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Old Age Security (OAS): A pension p
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Rent-Geared-To-Income (RGI): Financ
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Trauma-informed practice: Practices
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Income Security: A Roadmap for Change

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