Couverture de Episode 11: Provincial Financial Support Programs

Episode 11: Provincial Financial Support Programs

Episode 11: Provincial Financial Support Programs

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 Provincial Financial Support Programs (PWD) A brief review of the provincial/territorial financial assistance programs, focussing on British Columbia. Please note that we found more information about the Person with Disabilities Medical Services Only program after we recorded. See link #10 below. Feedback: navigatingdisabilitywithme@gmail.com Links: BC Person with Disabilities (PWD government site): https://www2.gov.bc.ca/gov/content/family-social-supports/services-for-people-with-disabilities/disability-assistance How to contact the BC Ministry re PWD: https://www2.gov.bc.ca/gov/content/family-social-supports/income-assistance/access-services Disability Alliance of BC (DABC): http://www.disabilityalliancebc.org DABC PWD help/worksheets: https://disabilityalliancebc.org/publications/publications-bc-disability-benefits-help-sheets/ Ask an Advocate: https://askanadvocate.ca/assistance-programs/disability-assistance/person-with-disabilities-pwd/Sleepytime podcast: https://open.spotify.com/show/6wegpF4BHu5dQG7sTg1Cz9?si=2ET6PUfbSAeIc42RGq14jwExemptions from B.C.'s PWD asset calculation: https://www2.gov.bc.ca/gov/content/governments/policies-for-government/bcea-policy-and-procedure-manual/eligibility/assets-and-exemptionsSPARC (Disabled parking pass): https://www.sparc.bc.ca/BC Ferries Accessibility Discount: https://www.bcferries.com/accessibilityMedical Services Only - This is information found AFTER we recorded. https://www2.gov.bc.ca/gov/content/governments/policies-for-government/bcea-policy-and-procedure-manual/health-supplements-and-programs/medical-services-only Tips: All provinces and territories have provincially based financial assistance programs for disabled people. In B.C. it's called Person with Disabilities (PWD).Reach out to an advocate for help with applying - DABC etc.Reach out to a financial planner. Look for someone with knowledge of PWD/CPPD/RDSP etc.The benefit varies greatly across provinces and territories. There are different benefits and coverages too - housing supplements, nutritional supplements etc.There are caps on income if you're receiving this benefit. How much you're allowed to earn varies across Canada. BC PWD specific tips Long term disability may be your biggest contributor to your income as compared to PWD.PWD is not strictly additive to CPPD - there may be a cap to your total income. You CAN collect both but it's likely that some or all money from one of the programs could be clawed back,PWD comes with additional benefits such as extended medical benefits, transit pass/transportation supplement, nutritional supplement, guide dog supplement etc.Disability Alliance of BC has lots of info sheets and work sheets about PWD (see links above).Financial qualification, generally for PWD: asset total allowance $100 000 for a single person. Primary residence, one car, basic household items value exempt, some trusts exempt, RDSP exempt. For a couple (with BOTH people on PWD) it's $200 000. With children, or other circumstances, rules vary.BC says if you're around (slightly above) these marks to apply anyway as you may soon drop below the threshold.Per Gov.bc.ca the RESP is exempt from the asset calculation (looked up post recording).Health and disability qualifications: 1) Have a physical or mental disability that significantly restricts your ability to perform daily living activities. And 2) Must need the help of a person, device or animal for the activities of daily living.The form: Section for you to fill in, then a Doctor/Nurse Practitioner section, then an "Assessor" - a medical professional of some sort (there's a list).If your application is accepted, there may be a review every couple of years.If you're already on CPPD there is an accelerated form for PWD. PWD may open doors to applying for other programs such as SPARC (disabled parking pass), ICBC, BC Ferries etc. CPPD also is usually accepted as proof of disability wherever PWD is accepted.Some private companies like Telus accept PWD to get their disabled discounts. CPPD is also usually accepted.Medical Services Only: VERY UNCLEAR TO US! No financial benefit as other income too high but gets PWD designation and the additional benefits such as medical benefits, housing supplements, guide dog supplement, transportation supplement etc. Note that we found more information on this AFTER we recorded (see link #10 above).You must apply for Income Assistance then mark Persons with Disabilities.The Ministry should then contact you, assess you and then send you an application. Usually takes 2-6 months to get accepted. You can appeal if you're rejected (do so quickly). Keep a copy of your PWD acceptance letter as you'll need it to apply for many other programs and discounts.
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