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Income Security Advocacy Centre

Income Security Advocacy Centre

ISAC works to address issues of income security and poverty in Ontario

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Policy

ISAC advocates for changes to policy and law that would address poverty and improve income security in Ontario.

We develop our analysis and recommendations by bringing together ideas from the international & cross-country policy worlds with those generated at the grassroots, working in partnership with local communities, community legal clinics, policy experts, and other advocacy groups, like the ODSP Action Coalition. Policy advocacy is an important tool in advancing our strategic plan.

We’ve highlighted some of our major areas of policy work below.

Each year, ISAC contributes to the Ontario Budget process by making submissions to Legislative committee hearings and consultations. We also often speak at these events.

We use the opportunity of the pre-Budget process to press for greater income security for Ontarians, and particularly for government to address the wildly inadequate benefit rates given to people who rely on Ontario’s two social assistance programs, Ontario Works (OW) and the Ontario Disability Support Program (ODSP). We also consider which provisions if any are included to improve the income security of workers.

Read ISAC’s 2025 Provincial Pre-Budget submission by clicking here. Different formats of this document along with previous years’ submissions can be found in our Publications archive.

Read ISAC’s 2025 Provincial Budget Analysis by clicking here. Analysis on previous years’ budgets can be found in our Updates section, along with other analysis on quarterly provincial economic updates and related reports from the Financial Accountability Office (FAO).

ISAC occasionally appears before standing and other committees during budget period. Links to those appearances will be posted in the Updates section under the “Provincial Budgets” category.

Each year, ISAC contributes to the Federal Budget process by making submissions to Legislative committee hearings and consultations. We also often speak at these events.

Just as we do with the provincial pre-Budget process, we use the opportunity of the federal pre-Budget process to press for greater income security for Ontarians. We often focus on Employment Insurance reform and expanding access to and improving federal benefits and credits designed for people with disabilities and people living on low incomes. We also consider which provisions if any are included to improve the income security of workers.

Read ISAC’s 2025 Federal Pre-Budget submission (August 2025) by clicking here. Different formats of this document along with previous years’ submissions can also be found in our Publications archive. ISAC’s 2024 Federal Budget Analysis can be found by clicking here. Analysis on previous years’ budgets can be found in our Updates section, along with analysis on other federal economic updates and reports.

ISAC occasionally appears before budget-related committees. Links to those appearances will be posted in the Updates section under the “Federal Budgets” category.

Advocating for reforms to Ontario’s two social assistance programs, Ontario Works (OW) and the Ontario Disability Support Program (ODSP), is a core part of our policy work.

Social assistance in Ontario is in the process of undergoing a once-in-a-generation overhaul. The process started in 2020 and is commonly referred to on our website as “modernization”. It is a complicated process with two main parts (Employment Services Transformation (EST) and Social Assistance Renewal (SAR)) taking place across several years and through several phases.

Read our latest updates about the process and impacts of modernization: Five things to know about Ontario’s new Centralized Intake Expansion for social assistance applicants (Nov 2024) and Modernization of Ontario’s Social Assistance Programs: New Amendments, Same Old Concerns (Dec 2023). For more info about the modernization of social assistance and related work, search our Updates section.

The Canada Disability Benefit is a new income benefit for people with disabilities who live on low incomes. It was proposed by the federal government several years ago after many years of community organizing by disability justice advocates. ISAC has been active in helping to shape the CDB since 2021, providing submissions to the HUMA House Committee (2022) and the SOCI Senate Committee  (2023) in addition to appearing at the Senate in April 2023 during hearings on the Canada Disability Benefit Act.

In June 2023, the federal government passed the Canada Disability Benefit Act, and spent the next two years making decisions and drafting the regulations (detailed rules on how the law should be carried out). In 2024, ISAC was invited to participate in government technical roundtables and provide expert advice on a variety of areas. Read our submissions on the technical roundtable topics here.

The final draft of regulations was approved and came into force in May 2025. Though many advocates pushed for changes both through the government’s formal consultation process and outside of it, much of what advocates and individuals said needed to be changed or improved was not incorporated into the final set of regulations. In June 2025, we collectively achieved a major victory by getting the provincial government to commit to not clawing back the CDB for people receiving social assistance. ISAC’s statement on this decision can be read here.

There are still problems with the CDB at both the federal and provincial levels, which we continue to highlight through website posts such as Improving the Canada Disability Benefit: ISAC’s 5 Key Points (Nov 2024) and our seasonal updates such as the Spring 2025 Update on the CDB (May 2025), in the media through op-eds, and in correspondence and meetings with government officials and other community advocates who are also pushing for a better CDB.

Employment Insurance (EI) is a key piece of Canada’s social safety net. It is meant to offer a base of benefits to workers across Canada who may enter a period of unemployment, while they transition back into the workforce.

Over the last two decades, unemployed workers have faced serious and increasing barriers to accessing EI benefits. Shifts in the labour market have led to increasing numbers of workers who are employed in temporary, part-time or precarious work. Although they pay into EI, onerous EI eligibility requirements prevent these workers from qualifying for benefits. And even if they do qualify, the benefits amounts are inadequate. Further, migrant workers are effectively excluded from the EI program because of the conditions imposed by their work permits, despite contributing to the program.

Through individual submissions on legislation and through participation in the Ontario Community Legal Clinics EI Working Group, ISAC is active in advocating for Employment Insurance reform. One major achievement from our ongoing advocacy has been the recent establishment of a new tri-partite Board of Appeal for hearings and first level appeals. You can read more about it here: New Board of Appeal coming for first-level Employment Insurance (EI) appeals (Apr 2025).

To find out more about our ongoing calls to improve EI, read the EI Working Group’s submission, “A Safety Net For All: Reforming EI to Support Low-wage and Precarious Workers”, to the 2021 Federal Consultations on Reforming Canada’s Employment Insurance Program by clicking here. You can find this document in other formats and in French in our Publications archive.

Poverty reduction is an important policy framework that allows us to advocate to government for improvements to income security law and policy.

In collaboration with other advocates within and outside of the community legal clinic system, we work to advance poverty reduction policy at both the federal and provincial levels. To read more about our poverty reduction policy work, check out our Updates page.

Throughout the beginning of the COVID-19 pandemic, our poverty reduction work focused heavily on expanding access to temporary emergency benefits such as the CERB and the CRB, and improving access to the discretionary benefits that were offered to social assistance recipients by the provincial government.

People who live in poverty are often put at a disadvantage when accessing the range of benefits to which they are entitled.

For example, the Ontario government claws back dollar for dollar federal benefits such as Canada Pension Plan Disability (CPP-D) and Employment Insurance (EI) from families on Ontario Works and the Ontario Disability Support Program.

The legislation and regulations that guide the interactions between different government benefits have the effect of keeping people on low incomes. People receiving social assistance have to contend with benefits interactions and clawbacks regularly.

During the COVID-19 pandemic, many people received temporary pandemic benefits, and many people living on low incomes experienced problems with benefit interactions and clawbacks. Ontario clawed back 50% of every dollar after the first $200 Canada Emergency Response Benefit (CERB) from people receiving social assistance. The Canada Recovery Benefit (CRB) was clawed back dollar for dollar.

Seniors who received the federal Guaranteed Income Supplement (GIS) under normal circumstances were also impacted by interacting benefits. After receiving temporary pandemic benefits like the CERB or the Canada Recovery Benefit (CRB) in 2020, hundreds of thousands of seniors saw their GIS benefit reduced or ended the following year. You can read about our successful campaign to restore the GIS to low income seniors by clicking here. Many others who received these benefits continue to face overpayment requests and ongoing fights with the CRA to prove their eligibility. ISAC has supported many community legal clinics with challenging these overpayments including providing public trainings on Challenging CERB and CRB overpayment notices (Apr 2023).

Benefit interactions and clawbacks create a ceiling on income that traps people in poverty. ISAC actively works towards expanding access to benefits programs and reducing benefits interactions whenever possible.

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This site contains general legal information for people in Ontario, Canada. It is not intended to be used as legal advice for a specific legal problem. ISAC is a not-for-profit, non-partisan organization. ISAC is funded by Legal Aid Ontario (LAO). The funding for this website is also provided by LAO. The views expressed in any of ISAC’s publications (including written, oral, or visual) are the views of the clinic and do not necessarily reflect those of LAO.