Claim Everything
Filing your taxes is the single biggest unlock on this page — it's the gateway to almost everything else below. If you haven't filed in years, start there; it costs nothing and it's free to fix. Then work down through what the City, the province, and the federal government owe you, and what to ask your caseworker for if you're on OW or ODSP.
You haven't filed taxes in years, or you've never filed
You don't need to owe money or have a complicated return to file — most low-income filing is free, and filing is what turns on the benefits below. Nothing bad happens if you file late; you just start receiving what you're owed once you do.
CVITP free tax clinics Free tax-return preparation by CRA-trained volunteers at community-hosted clinics, for people with modest income (guideline: family income under $40,000 for 1 person, scaling up to $70,000+ for larger families) and a simple tax situation. This is the single highest-leverage entry in this guide — filing here is what unlocks the Canada Child Benefit, the Canada Groceries and Essentials Benefit, the Canada Workers Benefit, the Ontario Trillium Benefit, GAINS, GIS and more. canada.ca — Community Volunteer Income Tax Program Who it's for: anyone in Canada with modest income and a simple tax situation. Clinics vary by format — walk-in (first-come, first-served), drop-off, or by-appointment (in-person or virtual) — so check the specific clinic's format before you go, via the CRA's clinic locator. Most clinics run during tax season (roughly February–April); if you're checking this outside that window, use the CRA clinic locator to confirm which clinics, if any, are currently operating near you. ID requested.
City of Toronto — Tax & Money Management Resources A City referral hub pointing you to free CVITP tax clinics, free CRA SimpleFile phone/paper/ online filing for eligible lower-income simple returns, and City/Ontario/federal benefit finders. SimpleFile services for the 2026 tax season opened March 9, 2026; CRA's fully automated tax-filing service for eligible lower-income returns is expected to launch in 2027. toronto.ca — income tax support resources Who it's for: anyone in Toronto. Online. No documents required.
WoodGreen Financial Empowerment Free income tax preparation for simple tax returns (free year-round, handles up to 10 years of back taxes), benefits screening/access help, and budgeting and debt counselling for low-income Torontonians. Reach a specific program directly — Income Tax Clinic: 416-645-6000 ext. 1187; Financial Empowerment Counselling: 416-645-6000 ext. 1330 — or register online. woodgreen.org — financial empowerment Who it's for: low-income residents, Toronto. Phone (program-specific extension) or online registration. ID requested.
West Neighbourhood House — Financial Empowerment Services Money coaching, tax help (including an annual CVITP income tax clinic each Feb–Apr), and benefits navigation for low-income residents. In-person Financial Empowerment appointments are based at West Neighbourhood House's 248 Ossington Avenue location; phone and virtual appointments are also offered. West Neighbourhood House operates seven locations in total across downtown west Toronto (not all currently offer Financial Empowerment services in-person). Main line: 416-532-4828. To book a Financial Empowerment appointment directly: 416-848-7980 (income tax clinic: ext. 393). westnh.org/financialempowerment Who it's for: adults, Toronto. Phone to reach them.
TMSU Free Tax Clinic (TMSU full-time undergraduate and TMAPS part-time undergraduate members only — not open to graduate students or all TMU students) A CRA-trained team of volunteers will file your taxes for free. Booking is online, through the Calendly link on the clinic's own page — the 2026 season ran April 7–17 and registration is now closed. The date for the next season has not yet been published on TMSU's page; past clinics have run in April, so check the page again as tax season approaches. yourtmsu.ca/tax Who it's for: TMSU full-time undergraduate and TMAPS part-time undergraduate members.
YFS Free Tax Clinic (York University) A CVITP clinic run by the York Federation of Students — trained volunteers file simple returns free using UFile software. Same income thresholds as CVITP generally (1 person $40,000, 2 people $55,000, 3 people $60,000, 4 people $65,000, 5+ people $70,000 plus $5,000/extra person). The provider's own eligibility page describes this as open to "eligible individuals" meeting the income/simple-tax-situation test — it does not state a York-student-only restriction, though it's hosted by York's undergraduate students' union at the Keele campus. The 2026 season (Mar 2–27) has closed; the page now reads "Stay tuned for the 2027 Tax Clinic dates." No walk-ins — book a 45-minute appointment online, arrive 10 minutes early. yfs.ca/tax-clinic Who it's for: anyone meeting the income/simple-tax-situation test — not gated to York students. By appointment only; seasonal, check the page each Feb/March for the next window.
Not sure what you actually qualify for once you've filed? Two free, anonymous screening tools will scan your situation against dozens of programs at once — neither determines your eligibility on its own, but both are a fast way to find things you didn't know to look for.
Ontario Benefits & Program Finder Anonymous 2–5 minute questionnaire that filters through Ontario government benefits, programs and tax credits — legal aid, dental care, health services, housing, education & training, childcare, prescription drugs. ontario.ca — find benefits and programs Who it's for: anyone in Ontario. Online. No documents required.
Canada Benefits Finder Anonymous questionnaire screening for federal benefits and programs (157 possible results) across retirement, disability, health/dental, jobs, housing and family, with links out to Ontario's own programs. canada.ca — benefits finder Who it's for: anyone. Online. No documents required.
Benefits Wayfinder A third, nonprofit-run screening tool (Prosper Canada, sponsored by TD Ready Commitment) — anonymous questionnaire recommending government benefits you may be eligible for, plus linked free money-coaching mini-courses ("Maximize what is around you," "Minimize what is going out," "Additional resources") and a dashboard to track next steps. Complements the two finders above rather than duplicating them; also runs a separate portal for frontline agency workers to use with clients. benefitswayfinder.org Who it's for: anyone in Canada. Online, anonymous. No documents required.
What filing unlocks — mostly automatic, with one exception
Once you've filed, most of these are calculated and paid without a separate application. The one exception: the Canada Child Benefit needs a one-time application from first-time claimants (automated newborn registration, CRA My Account, or Form RC66) — after that first claim, it recalculates automatically each year you file.
Canada Groceries and Essentials Benefit (CGEB) — formerly the GST/HST credit Quarterly tax-free payment for everyday costs: up to $679/yr single, $890/yr couple, plus $234/yr per eligible child under 19, for the July 2026–June 2027 period. Renamed from the GST/HST credit in July 2026, with a 25% payment increase locked in through 2031. canada.ca — Canada Groceries and Essentials Benefit Who it's for: low/modest-income individuals and families, Canada. Automatic once you file — no separate application.
Ontario Trillium Benefit (OEPTC + Ontario Sales Tax Credit) A combined tax-free payment toward your energy and property-tax costs plus a sales-tax credit, paid automatically once you file and complete Form ON-BEN — full dollar amounts are in Guide 08: Utilities & Bills.
Canada Child Benefit (CCB) Tax-free monthly payment per child under 18: up to $8,157/yr (under 6) or $6,883/yr (age 6–17) per child, reduced above $38,237 adjusted family net income, plus up to $3,480/yr per child eligible for the Disability Tax Credit — confirmed current for the 2026–27 benefit year (July 2026 payment onward). canada.ca — Canada Child Benefit Who it's for: Canadian citizens, permanent residents, protected persons, temporary residents resident 18+ months, or people registered under the Indian Act. Note: an active refugee claimant (Refugee Protection Claimant Document holder, claim not yet decided) is not eligible — eligibility begins only once a positive protected-person decision is issued.
Canada Workers Benefit (CWB) Refundable tax credit for low-income workers: basic amount up to $1,633/yr single or $2,813/yr family (2025 tax year — the return filed in 2026; these are the figures currently published by CRA), plus a disability supplement up to $843/yr each if eligible for the Disability Tax Credit. Up to 50% is paid in advance in three instalments — July, October and January. canada.ca — Canada Workers Benefit Who it's for: low-income workers, Canada. Claimed on the tax return, no separate documents.
LIFT (Low-income Individuals and Families Tax Credit) Non-refundable Ontario tax credit that reduces or eliminates provincial income tax owed for low-income workers, up to $875/yr. Only offsets tax you actually owe — no cash if you owe nothing. ontario.ca — low-income workers tax credit Who it's for: Ontario residents with employment income who owe Ontario personal income tax, with individual net income under $50,000 (family net income under $82,500) — the full $875 applies only below $32,500 individual / $65,000 family, tapering to zero above that. Auto-calculated when you file (claimed as the LIFT / Low-income Individuals and Families Tax Credit).
City of Toronto programs — apply once you've filed
Fair Pass Transit Discount Program 36% off TTC adult single-ride PRESTO fares and 21% off the adult monthly pass, applied to your PRESTO card for 12 months. toronto.ca — Fair Pass transit discount Who it's for: low-income Toronto residents age 20–64 (income under roughly $22,691/yr single, $45,383/yr for a household of 4); automatic if you're on OW, ODSP, or Emergency Assistance. Proof of income requested if not. Note: the TTC's Fair Pass, Adult, Youth and Senior monthly pass products are all discontinued August 31, 2026, replaced by automatic fare capping (47 paid trips/month in 2026, dropping to 40 in 2027) starting September 1, 2026 — confirmed via TTC's own announcement. Check current status before relying on the monthly-pass figure specifically.
Welcome Policy — Recreation Fee Subsidy Annual credit toward City recreation programs, camps, and swim/sport instruction: $683.04/yr per child or youth (to age 24), $314.60/yr per adult (25+). toronto.ca — Welcome Policy Who it's for: low-income Toronto residents. If you're on OW, ODSP, or the Child Care Fee Subsidy, you still must submit an application but skip the proof-of-income/ID documentation step; all applications (including these) go through staff review, with an outcome notification typically within 5 business days. Others must provide full proof-of-income documents.
City of Toronto Property Tax & Water/Utility Rebate Programs If you're a homeowner falling behind on property tax, water, or solid-waste charges, the City runs three linked income- and age/disability-tested relief programs (Property Tax Increase Cancellation, Property Tax Increase Deferral, and a Water/Solid Waste Rebate) — full amounts, eligibility, and this year's application deadline are in Guide 08: Utilities & Bills.
Hardship Fund — Help with Health-Related Expenses Funding toward eyeglasses, emergency dental work, prescription medication, medical items/ equipment (walkers, hearing aids, hospital beds and more), or funeral expenses. toronto.ca — health support Who it's for: low-income Toronto residents not on OW, Emergency Assistance, or ODSP — you can apply regardless of immigration status. Apply BEFORE you pay; call 416-338-8888, option 3.
Toronto Rent Bank Grant up to $5,000 for rental arrears, or a deposit grant tiered by unit size ($2,000 bachelor, $2,500 one-bedroom, $3,000 two-bedroom, up to $3,500 three-bedroom) — no repayment required for grants issued 2021 or later (the City's page states only loans from 2020 or earlier require repayment, with forgiveness possible in hardship cases; all current disbursements are termed "grants," not loans). toronto.ca — Toronto Rent Bank Who it's for: renters not currently on OW/ODSP (those recipients should use the Housing Stabilization Fund below instead), income-tested by household size. Proof of income requested.
Free Dental Care (Toronto Public Health Clinics) Free basic dental care — exams, x-rays, fillings, cleaning, some root canals, extractions, urgent/emergency care — for eligible children/youth 0–17, clients of select TPH programs, and low-income seniors 65+. toronto.ca — free dental care Who it's for: income-tested; eligibility assessed in person at a clinic, so call ahead. Adults 18–64 without private insurance should look at the Canadian Dental Care Plan below instead.
Housing Stabilization Fund (HSF) Funds for rent or moving costs, rental or energy arrears, bed bug treatment, or setting up a residence — for people on OW, ODSP, or humanitarian Emergency Assistance. toronto.ca — Housing Stabilization Fund Who it's for: OW/ODSP recipients (this is the parallel route to the Toronto Rent Bank above, which is for renters not on OW/ODSP). Apply by speaking directly to your OW or ODSP caseworker, who assesses the request (no separate referral form is described on the City's page).
Practical tip: free document commissioning via a City Councillor Need an affidavit or statutory declaration commissioned (a signature witnessed by a Commissioner of Oaths) and want to skip the fee? The City Clerk's Office charges $28.85 (or $10.65 for an "alive and well" letter) to commission most documents — but City Councillors are commissioners by virtue of their office, and can do it for free. It's entirely at each Councillor's own discretion whether they'll do this, so call your Councillor's office first. Complete the document but don't sign it beforehand — sign only in front of the Councillor, with original government photo ID in hand (photocopies aren't accepted for the Clerk's Office process, and the same principle applies generally). If your Councillor declines, search "commissioner of oaths" at 211Toronto for other options. toronto.ca — Commissioning of Documents Who it's for: anyone, Toronto. Not guaranteed — discretionary, so call ahead.
Provincial (Ontario) programs
Help with your electricity or natural-gas bill (OESP, LEAP) If your electricity bill is high every month, or you're behind and facing disconnection, Ontario runs an ongoing monthly electricity credit (OESP) and a one-time emergency arrears grant for electricity or natural gas (LEAP) — both income-tested, with OW/ODSP recipients auto-qualifying for OESP. Full amounts and how to apply are in Guide 08: Utilities & Bills.
Trillium Drug Program For households with high prescription-drug costs relative to income who aren't otherwise on the Ontario Drug Benefit and don't have insurance that pays 100% of their drug costs: pay an income-based deductible (about 4% of after-tax household income, split into 4 quarterly instalments), then max $2 per prescription for the rest of the program year. ontario.ca — help with high prescription drug costs Who it's for: Ontario residents with a valid health card. Proof of income (tax return) requested via application; apply by Sept 30 for prior-year reimbursement.
Ontario Drug Benefit (ODB) program Coverage for most of the cost of 5,900+ formulary medications. Auto-enrolled if you're 65+, on OW/ODSP, in long-term care, or receiving home/community care. ontario.ca — get coverage for prescription drugs Who it's for: OW/ODSP/LTC/home-care enrollees pay up to $2/prescription with no deductible; seniors pay a $100/yr deductible plus up to $6.11/prescription unless also on the Seniors Co-Payment Program below.
ODB Seniors Co-Payment Program For low-income seniors already on ODB: waives the standard $100/yr deductible entirely and caps co-payment at $2/prescription (vs. up to $6.11 otherwise). ontario.ca — get coverage for prescription drugs Who it's for: low-income seniors 65+. Requires a separate application beyond automatic ODB enrollment; proof of income requested.
Canadian Dental Care Plan (CDCP) Covers a portion of the cost of oral health services — exams, cleanings, fillings, dentures and more — for eligible uninsured Canadian residents. canada.ca — Canadian Dental Care Plan Who it's for: no access to private dental insurance of any kind, tax return filed by you (and spouse), adjusted family net income under $90,000, and a Canadian resident for tax purposes.
Healthy Smiles Ontario Free routine, preventive and emergency dental care for children/youth 17 and under, income-tested against low thresholds (currently $28,523/yr for a 1-child household, rising by roughly $2,159 per additional child up to $47,952 for 10+ children — considerably stricter than "income- eligible" alone implies). Auto-enrolled if your family is on OW, ODSP, Temporary Care Assistance, or Assistance for Children with Severe Disabilities — with one exception: OW recipients living in a First Nations community are not automatically enrolled and must apply by mail. Children who already have private dental insurance or CDCP coverage are not excluded from applying. ontario.ca — Healthy Smiles Ontario Who it's for: children/youth 0–17, income-tested (see thresholds above), Ontario. ID and proof of income requested. Confirm a specific dentist accepts it before relying on it — reimbursement runs below cost for some procedures, so some dentists decline it.
GAINS (Guaranteed Annual Income System) Monthly non-taxable top-up for low-income Ontario seniors 65+, paid on top of federal OAS/GIS: max $92/mo single ($1,104/yr). The couple rate is not a single flat figure — it depends on which spouse is a pensioner and which age band applies, set out across the province's own rate tables; treat any single "couple" figure as an approximation and check the current rate tables directly. ontario.ca — GAINS payments for seniors Who it's for: citizens/permanent residents 65+ who've been Canadian residents 10+ years and lived in Ontario the past 12 months (or 20 years total since age 18), already receiving OAS and GIS, with annual private income under $4,416 single / $8,832 couple. No separate application — automatic via annual tax filing.
Canada Learning Bond (CLB) Free government deposit into a child's RESP for low-income families — no contribution needed: $500 the first eligible year, then $100/yr each eligible year to age 15, lifetime max $2,000/child. These fixed dollar amounts are statutory, not indexed, and remain accurate as-is. canada.ca — estimating your education savings Who it's for: families with adjusted net income at or below roughly $57,375 (1–3 children), $64,733 (4 children) or $72,123 (5 children) — these are the last officially published figures, for the July 2025–June 2026 CLB benefit year. That window lapsed June 30, 2026, and as of 2026-07-30 no 2026–27 bracket has been posted by ESDC. Confirm current thresholds directly at canada.ca before relying on these numbers. Caregiver must be CCB-eligible and have filed taxes for each year requested. Child's SIN requested.
Canada Disability Savings Grant and Bond (RDSP) For people approved for the federal Disability Tax Credit: a matching grant up to $3,500/yr (lifetime max $70,000), plus a bond of up to $1,000/yr with no contribution required for low/modest income (lifetime max $20,000). Up to 10 years of missed grants/bonds can be caught up. canada.ca — how much you could get Who it's for: Disability Tax Credit–approved people with an open RDSP, until the year they turn 49. SIN and DTC approval requested.
Canada Disability Benefit Monthly federal income benefit for low-income persons with disabilities aged 18–64: maximum $204.20/month for the July 2026–June 2027 benefit period, reduced above an adjusted family net income threshold of $23,000 (single) or $32,500 (couple). canada.ca — Canada Disability Benefit Who it's for: Canadian citizens, permanent residents, individuals registered or entitled to be registered under the Indian Act, protected persons, or temporary residents who've lived in Canada throughout the previous 18 months — aged 18–64, Disability Tax Credit approved, with 2025 tax return filed (you and spouse/common-law partner, if applicable). Starting Sept 2026, a one-time $150 payment is available to offset DTC application costs.
Assistance for Children with Severe Disabilities (ACSD) $25–$678/month to parents/guardians of a child under 18 with a severe disability, for costs like medical travel, special shoes/clothes, and respite — also unlocks Assistive Devices Program coverage, OHIP+ drugs, Healthy Smiles dental, and hearing/vision help for the child. The Canada Disability Benefit does not count as income against this program. ontario.ca — Assistance for Children with Severe Disabilities Who it's for: household income $77,640 or less (varies by family size/severity/costs). ID, proof of income, and medical documentation requested.
Old Age Security (OAS) and Guaranteed Income Supplement (GIS) Monthly federal pension for seniors 65+ regardless of work history — up to $751.97/mo ($9,024/yr) at 65 for the current quarter (July–Sept 2026), rising with age — plus GIS, a tax-free top-up for low-income OAS recipients up to $1,123.17/mo single ($13,478/yr). canada.ca — Old Age Security · canada.ca — Guaranteed Income Supplement Who it's for: citizens/legal residents 65+ meeting residency requirements. Often auto-enrolled — watch for a letter around your 64th birthday. GIS requires your 2025 taxes to be filed or payments may stop.
You're on OW or ODSP and didn't know you could ask for these
Beyond your monthly cheque, both programs have extra, case-by-case benefits you have to actively request — some through a direct ask to your caseworker, others through a form a doctor or other health professional fills out on your behalf — they aren't paid automatically and aren't advertised well.
Toronto Employment & Social Services (City Office Network) This is the office network your OW caseworker sits in — but as of March 1, 2025, the provider's own page confirms all employment services for people receiving Ontario Works in Toronto moved to Employment Ontario instead. What's left at Toronto Employment & Social Services is OW financial-benefit casework only: the Other Employment & Employment Assistance Activities Benefit (OEEAAB, up to $253/12 months), a transportation benefit (up to $86/month), the Child Care Start-Up Benefit (up to $600/child for informal care, no cap for licensed care), and the LEAP program for young parents ($233/month plus a $500 completion payment) — all applied for by speaking to your caseworker, not by walking in as a general job-search door. For job search itself, your caseworker refers you to Employment Ontario. toronto.ca — Financial & Employment Support Who it's for: existing OW recipients in Toronto, via your caseworker. Not a general-public job-search service.
Ontario Works Additional/Discretionary Benefits (Toronto delivery) Ad hoc, need-based help beyond the monthly OW cheque, granted case-by-case through your caseworker: eyeglasses/eye exams, emergency dental, medical supplies and equipment, medical transportation to appointments, special diet allowance, guide/service dog care, funeral expenses, up to $50 for home energy-conservation supplies, money for smoke alarms/CO detectors (homeowners only), a newborn child allowance, LEAP support for young parents in school, temporary care assistance for someone else's child, transition child benefit, child-care start-up money, and (for OW recipients 65+) an Advanced Age support item. toronto.ca — assistance through Ontario Works Who it's for: people on OW in Toronto — ask your caseworker directly; amounts aren't guaranteed and vary by circumstance. ODSP recipients overlap with some of the same benefit categories (e.g., medical supplies, the Housing Stabilization Fund) through carve-outs specific to each program rather than one shared channel — ask an ODSP caseworker which of these apply.
ODSP Discretionary Benefit for Low-Cost Energy-Conservation Measures A one-time payment for ODSP recipients toward low-cost home energy items (weatherstripping, pipe insulation, efficient bulbs, and more), with your caseworker's prior approval — full details are in Guide 08: Utilities & Bills.
ODSP dental coverage / Healthy Smiles Ontario (kids) Basic dental coverage for ODSP recipients and spouse, plus extra coverage if a disability or medication affects oral health; all family members under 18 are auto-covered via Healthy Smiles Ontario. ontario.ca — ODSP health and disability benefits Who it's for: ODSP recipients, their spouse, and children under 18 (via Healthy Smiles Ontario). No referral needed — just show your ODSP monthly statement or government ID to a dentist who accepts ODSP recipients (not all do; confirm first). Dependents 18+ are not automatically covered under this benefit — ask about Ontario Works discretionary dental benefits instead.
ODSP Extended/Transitional Health Benefit If you leave ODSP because your income rose, you may keep drug, dental, vision, medical-supply and transportation coverage. Extended Health Benefit: for people who no longer qualify for ODSP because of income from any source (job, CPP, OAS, etc.) and whose health costs are higher than the gap between their new income and their old ODSP amount. Transitional Health Benefit: specifically for people who leave ODSP for a job, self-employment, or a training program and don't get equivalent health coverage from their employer — this one does not apply to CPP/OAS-driven exits. ontario.ca — ODSP health and disability benefits Who it's for: people leaving ODSP for higher income. You'll need to provide proof of your health costs (receipts, pharmacy records) — not proof of income, which is assessed separately as part of leaving ODSP. Children/spouse 17 and under keep Healthy Smiles dental regardless.
ODSP Mandatory Special Necessities Benefit Reimbursement for transportation to medical appointments (once you're spending $15+/month getting there) and for medically necessary supplies — syringes, and diabetic, surgical, or incontinence supplies — for ODSP recipients and family. ontario.ca — ODSP health and disability benefits Who it's for: ODSP recipients and family members. No flat published cap — the amount is need-based per approved application, so don't expect a fixed dollar figure. To trigger it: an approved health care professional (a physician, nurse practitioner, registered nurse, occupational therapist, physiotherapist, or physician assistant — or, for the transportation section specifically, a psychologist) must complete a Mandatory Special Necessities Benefit Application form; the ministry pays that professional's fee for completing the form, not you.
ODSP Pregnancy and Breastfeeding Nutritional Allowance Extra monthly money toward nutrition costs for pregnant or breastfeeding ODSP recipients or family members: $40/month, or $50/month if you need a non-dairy diet due to lactose intolerance, payable until the baby turns 12 months old — up to $480–$600 total over the eligible window. ontario.ca — ODSP health and disability benefits Who it's for: pregnant or breastfeeding ODSP recipients and family members. To trigger it: a family doctor, extended-class registered nurse, registered dietitian, midwife, or traditional Aboriginal midwife must complete the application form on your behalf.
ODSP Special Diet Allowance Extra monthly money for ODSP recipients or family members with an approved medical condition requiring a special diet. ontario.ca — ODSP health and disability benefits Who it's for: ODSP recipients and family members with a qualifying medical condition. The atlas does not yet have the dollar amount or the specific application form/mechanism for this one — the province's own health-and-disability-benefits page links out to a separate eligibility/amount sub-page that hasn't been fetched and verified yet. Don't guess a figure; ask your ODSP caseworker directly about current amounts and how to apply.
ODSP Guide Dog Benefit $84/month ($1,008/year) per certified service or guide dog, to help ODSP recipients cover the dog's care — no receipts required. ontario.ca — ODSP health and disability benefits Who it's for: ODSP recipients with a dog trained at an accredited facility — a Blind Persons' Rights Act Regulation 58 facility, an Assistance Dogs International member, or an International Guide Dog Federation member school. The atlas does not yet have the specific request form or process beyond the underlying row's general "referral-required" access note — ask your ODSP caseworker directly about how to submit the request.
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Every entry on this page is verified against the provider's own page on its dated row in the Free Toronto Resource Atlas; this guide regenerates from the atlas — corrections happen there first.
Generated: 2026-07-28. v0.5 fact-audited and sealed: 2026-07-30. v0.6 ODSP-supplement gap-fill: 2026-07-30.