This webinar is brought to you by
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CLEONet is a web site of legal information
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work with low-income and disadvantaged
communities in Ontario.
2010, Community Law School
About our presenter…
Catherine Manson is a Community Legal Worker and
Licensed Paralegal with Flemingdon Community Legal
Services with 22 years experience in the legal clinic system.
She has been giving presentations on the Ontario Disability
Support Plan (ODSP) and Ontario Works (OW) benefits
since 2004. She is a member of the ODSP Action Coalition
(Co-Chair of the Train the Trainer Committee), and past
Chair of the Toronto Region ODSP Action Coalition.
ODSP/OW Benefits
you should know
about…!
Original Presentation Created by
HIV & Aids Legal Clinic
Updated by Catherine Manson
Flemingdon Community Legal Services
mansonc@lao.on.ca
Revised: June 17, 2010
3
Overview
Let’s take a closer look at some
Ontario Disability Support
Program (ODSP) and OW
Benefits:
A.
Know Your Benefits
1.
2.
3.
Who Provides the Money
How To Obtain These Benefits Mandatory vs. Discretionary
What if they say “NO’’
B.
Income Support
1.
2.
3.
Income Rates
Earnings, Assets
Exemptions – compensation plans, pain
& suffering, inheritances
C.
Day to Day Benefits
1.
Special Diet, - Pregnancy,
Breastfeeding
Drug & Dental
“Mandatory Special Necessities”
Vision, Hearing, ADP Co-payment
Community Start Up & Maintenance
Personal Needs Allowances
Discretionary Benefits (health and nonhealth)
2.
3.
4.
5.
6.
7.
D.
Employment Benefits
1.
2.
3.
4.
5.
6.
7.
Employment Start Up Benefits
Up Front Child Care
Community Participation
Employment Assistance Activities Benefits
ODSP Employment Assistance Benefits
Health Benefits
Rapid Re-instatement
E.
Legal Assistance - Where to find help
4
Revised: June 17, 2010
Who Provides/Administers the Money?
FIRST NATIONS
•
ODSP (Ontario Disability Support
Program) is an income support
program funded by the Province
of Ontario
•
Ontario Works, aka Social
Assistance aka Welfare is an
income support of last resort
funded in portion by the Province
and by Municipalities (19.4 % of
benefit costs, 50% of admin
costs)
•
Municipalities often provide
monies for discretionary benefits.
•
First Nation Reserves administer
OW programs and 95 % is funded
by the federal government.
Revised: June 17, 2010
How does one access these benefits?
• In almost every case, in order to access benefits one must:
– Know about them!
– Ask for them!
– If a specific form is required, ask for the form!
– Know if the benefit is a Mandatory or Discretionary
benefit
– All “mandatory” benefits can be appealed to Social
Benefits Tribunal
• *Discretionary benefits may not be appealed, but can still
be reviewed by a Supervisor and then a Manager and/or
Alternate Dispute Resolution Committee if available
6
Revised: June 17, 2010
What if they say NO?
• Appeal, appeal, appeal!
• One starts the appeal process by
requesting an Internal Review which must
be:
– In writing – one sentence - “I want an
internal review of this decision.”
– Provide any missing information
– As of May 1, 2009 – 30 days
to Request an Internal Review
– *Contact your local community legal clinic
for help
• If the 30 day deadline is missed – request
an “extension of time” to file the Internal
Review (and you should)
7
Revised: June 17, 2010
What if they still say NO?
• AGAIN - All “mandatory” benefits can be appealed. One
may appeal any variation in amount (underpayments,
overpayments), suspension or cancellation of benefits.
• If the internal review is not successful, the Administrator
will send a second letter of denial – which is called an
Internal Review Decision.
• Within 30 days of receiving this Internal Review Decision,
one must file an appeal form to the Social Benefits
Tribunal (SBT) (www.sbt.gov.on.ca)
• **Contact your local community legal clinic for help.
8
Revised: June 17, 2010
Appealable?
NO
YES
• Any Variation, Suspension or
Cancellation of Support
– Overpayments
– Reduction in benefits
•
Community Placement for
ODSP recipients
•
Discretionary Benefits - paid
to OW or ODSP recipients
– 3 categories:
• Mandatory Benefits
– Special Diet
– Drug Card
– Dental Card (not dependent
adult)
– Mandatory Special Necessities –
diabetic, surgical supplies,
transportation
– Vision (not dependent adults)
– Community Start Up and Maintenance
Benefits
•
•
•
•
•
•
health related,
non-health related,
“other special items &
services”
Vocational Training &
Employment related expenses
if it does not affect eligibility
Emergency Situations
Payments to third parties
9
Revised: June 17, 2010
2010 Income Support Rates
• Ontario Works
•
•
•
•
•
•
•
•
Single
Basic Needs
Shelter
Couple
Basic Needs
Shelter
• Ontario Disability Support
Program
Single
$221
$364
$585
• Basic Needs
$578
• Shelter
$464
•
$1042
• Couple (1 disabled) (both dis.)
• Basic Needs $855 $1153
• Shelter
$729 $ 729
•
$ 1584 $1882
$438
$572
$1010
• Double Disabled Couple
•IF you do not qualify for the CCTB program
– you may be eligible for the Transitional
Child Tax Benefit for each child OW (max
$213) and ODSP (max $189)
• Actual Entitlement$1742
Revised: June 17, 2010
Income, Earnings and Assets
•To Be Reported by the 7th of the Month for
ODSP and the 21st of the month for OW
•All income including credit card cash
advances:
– Earnings, foreign pensions, child support, CAS support
– Assets or windfalls (lottery winnings, inheritances, gift money, WSIB
payments, LTD, EI, CPP and OAS payments, Child Tax Benefits)
– Changes in address,
– Changes people living or moving from home, rental income
– Children turning 18 or Adults turning 65
– ODSP Assets over $5000 for Recipient, $2500 for Spouse, $500 for
dependent child
– OW Assets over – Single - $572, Couple -$989; Couple w 1 dependent
- $1630; Single with one dependent - $1550; $500 for each
additional dependent
11
Revised: June 17, 2010
Exempt Asset??
•
•
Principal Residence
Pain & Suffering Awards ODSP - $100,000.00;
•
OW - $ 25,000.00
– WSIB NEL award, & B165 payments
– Car Accident, Family Law Awards, First Nation Awards,
– Criminal Injuries Compensation, Hep C awards
•
•
•
•
•
•
•
Inheritances
ODSP - $100,000.00 (held in trust)
Lottery Winnings
$5000 or less in a 12 month period
Registered Education Savings Plans
Registered Disability Savings Plans (must qualify for Federal Disability
Tax Credit)
Disability Related Education, Items or Services
Disaster Relief payments
Business or Self Employment Assets – OW - $10,000; ODSP - $20,000
12
Revised: June 17, 2010
Questions? Part A/B
A. Know Your Benefits
1.
2.
3.
Who Provides the Money
How To Obtain These Benefits - Mandatory vs. Discretionary
What if they say “NO’’
B. Income Support
1.
2.
3.
Income Rates
Earnings, Assets
Exemptions – compensation plans, pain & suffering, inheritances
Revised: June 17, 2010
DAY TO DAY
BENEFITS
(Mandatory and Discretionary)
14
Revised: June 17, 2010
Special Diet Allowance
• NOTE: although the government announced in March 2010 that
they will be eliminating the special diet benefit, it is still in
existence and people can still apply until further notice.
• The special diet schedule lists specific medical conditions like
Diabetes, HIV/AIDS, etc. Each member of a benefit unit - can
receive up to $250/month per person depending on the condition.
• Ask your worker for and complete the Application for Special
Diet Allowance” (Form 3059 & 3060)
• The form must be completed by an “approved health
professional.
• New – January 2010 - You will be required
• to sign a declaration that the information provided on the
application is "to the best of your knowledge, true, correct
and complete”.
15
Revised: June 17, 2010
Pregnancy / Breastfeeding Nutritional
Allowance and the Infant Special Diet
• If you are pregnant, you are entitled
to receive a “Pregnancy/Breastfeeding
Nutritional Allowance” - $50/month
for non-dairy, $40/month for milkbased
• If you choose to breastfeed you may
renew this allowance for an additional
12 months
• This is provided in addition to any
other special diets and is not part of
the maximum calculation of $250
• If Breastfeeding is not possible, your
infant is eligible for formula under the
Special Diet Allowance.
16
Revised: June 17, 2010
Drug Benefits
•
A monthly drug card is provided to all members of
the *benefit unit for ODSP & OW
•
Covers the cost of prescription medication (listed in
the Ministry of Health’s Ontario Drug Benefit
Formulary)
•
If not covered – ask Dr. about a Section 16
application – Request for Unlisted Drug Product –
Exceptional Access Program (EAP)
•
No cost to you except the pharmacy dispensing fee
(you can ask the pharmacy if they can waive this fee)
(*“Benefit Unit” means a person and all of his or her
dependants on behalf of whom the person receives or
applies for income support)
17
Revised: June 17, 2010
Dental Benefits
• A dental card is only provided to:
– OW: dependent children
– ODSP: all recipients, except
dependent adults 18 and over, and
*All those not covered can apply for
OW “discretionary benefits” for
dental coverage.
• An emergency dental card can be issued
in exceptional circumstances
• Talk to your dentist about services that
are available and what you may require.
ODSP has a separate dental insurance
provider & schedule from OW
18
Revised: June 17, 2010
“Mandatory Special Necessities”
(MSN)
• OW and ODSP use the term
“Mandatory Special Necessities” to
talk about 3 kinds of benefits:
– Diabetic Supplies
– Surgical Supplies/Dressings
– Medical Transportation
• To receive any of these benefits, a
health professional must fill out
the “Mandatory Special
Necessities” form
Revised: June 17, 2010
19
MSN: Diabetic Supplies
• MSN coverage for supplies are for
items such as:
• Needles, syringes, swabs,
platforms, lancets and blood
glucose monitors. (Insulin and test
strips are covered under the drug
card as they are ODB listings)
• *One must access other sources of
funding first as some of these
supplies may be fully or partially
covered by: the Canadian Diabetes
Association, the Assistive Devices
Program, the drug card, or another
program…
20
Revised: June 17, 2010
MSN: Surgical Supplies & Dressings
• “Surgical supplies and dressings”
are items prescribed by a
physician that are required due
to a surgical, radiological or
medical procedure or disease
• Again, OW & ODSP will pay for
these supplies if they can’t be
paid by another source (hospital,
Community Care Access Centre,
Easter Seals Society, Assistive
Devices Program, drug card)
21
Revised: June 17, 2010
MSN: Medical Transportation
•
•
OW and ODSP will cover the cost of transportation for
medical purposes if costs exceed $15 a month per benefit unit
•
Travel to any “registered health professional”
•
Transportation will also cover:
- AA, NA and/or Overeaters meetings, mental health therapy and counselling if
it’s prescribed and supervised by a doctor, psychologist or psychiatrist.
•
ODSP/OW will only pay for the cheapest possible mode of transport (public
transit, taxi) – have doctor indicate need for a taxi if necessary.
•
Emergency costs (ambulance or family member driving) can be covered
•
ODSP/OW can pay for accommodation and meals if you have to travel overnight
for medical treatment (along with someone who needs to accompany you – if
specified by the approved health professional)
designated under the Regulated Health Professions Act, 1991
based on receipts. A note from the recipient requesting reimbursement and
specifying the destination and the mileage incurred is also acceptable; however,
any receipts (e.g. parking receipt) should also be included if available.
22
Revised: June 17, 2010
Vision
•
OW - only dependent children
•
ODSP - all benefit unit members, except dependent adults
*All those not covered can apply for “discretionary
benefits” under OW
•
Covered costs include:
– eye exam every 24 months if not
covered by OHIP (20-64 no longer
insured)
– new frames and/or lenses every 3 years
– necessary repairs
– replacement lenses if any change in prescription for
kids, only for adults if significant change
– replacement for loss or damage for kids, but not for
adults except if no fault loss/damage
• Guide Dog Benefit – each member of the benefit unit
can receive up to $70/mth to assist with
care/feeding costs.
23
Revised: June 17, 2010
Assistive Devices Co-payments
• The ADP (Ministry of Health) provides financial
assistance to people with long-term physical
disabilities to obtain aids, devices & supplies.
• The ADP only covers 75% of schedule costs…so
OW and ODSP will pay the remaining 25%, if
there is no other source of funding.
• If there is an assessment required for an item,
OW & ODSP will cover the cost of this
assessment.
• Assessments along with batteries and repairs
for assistive devices are covered.
• There is no appeal if you are denied this
benefit.
24
Revised: June 17, 2010
Hearing Benefit
• ODSP: all recipients, except dependent adults
• OW: Not provided
*All those not covered can apply for
“discretionary benefits” under OW
• Covers the cost of a hearing aid evaluation, the
remaining cost of a hearing aid not covered by
the Assistive Devices Program (the program
covers 75%, OW/ODSP covers the last 25%) ,
and replacement batteries and repairs.
• The hearing aid device can be replaced every 3
years (if device doesn’t work and can’t be
repaired)
• The cost of a hearing assessment may be
covered if it’s not already covered by OHIP.
• Cost of Visual Smoke Alert System and
installation for each room in the house or
apartment – must be hardwired
Revised: June 17, 2010
25
OW/ODSP- Extended Health Benefit
(EHB)
• Mandatory Benefit
• For those who exit OW & ODSP because of excess
income before deductions
• Monthly health related costs must be greater than
your monthly entitlement
Covers (all or partial)
- Prescription drugs
- Dental and Vision (for ODSP recipients and OW children
only)
- Routine Eye Exam every 24 months
- Diabetic and Surgical Supplies
- Batteries and repairs to mobility devices
- Medical Transportation costs greater than $15.00
- Co-Payments for ADP program
26
Revised: June 17, 2010
Community Start Up & Maintenance
Benefit (CSUMB)
• CSUMB is available through OW
and ODSP for help with moving
costs, paying rent/utility arrears,
and to avoid being evicted.
• Up to a maximum of $799 for a
single person or $1500 for a
family with one or more
dependent children.
• Available once in any 24 month
period. Can apply again for
emergencies.
27
Revised: June 17, 2010
$128 Personal Needs Allowance
•
•
•
$906
+ $30 travel
Home under the
Homes for the Aged
and Rest Homes Act
An approved
charitable home for
the aged under the
Charitable
Institutions Act
A nursing home
under the Nursing
Homes Act
$914
• +$30 travel
• A charitable
institution under the
Charitable Institutes
Act, other than
homes for aged
• A group home for
people with
developmental
disabilities under the
Developmental
Services Act
Revised: June 17, 2010
Interval & Transition
Homes for Abused
Women...
• Are eligible for the “basic
needs and shelter
allowance” for the first 3
months (discretionary
beyond 3 mth.)
• A Person must “preserve
their right to return to
their home” (principal
residence) – i.e. still paying
for the home
• If one does not maintain
the right to return home,
or the Director chooses not
to extend the benefit
beyond 3 months, OW will
pay a $128 personal needs
allowance per person
($4/day).
OW Discretionary Benefits
•
•
•
•
OW has what it calls
“discretionary benefits” which
may be issued under the
legislation.
Discretionary benefits can be
paid to OW or ODSP recipients
3 categories: health related,
non-health related, & “other
special items & services”
Discretionary benefits are not
appealable.
29
Revised: June 17, 2010
Discretionary Benefits –
1. Health-related
– For OW adults: Dental care (emergency
or to support participation
requirements), vision care, hearing aids &
batteries
– Prosthetic appliances
– Prescription drugs not listed under ODB
– “cost of completing other medical forms”
– Air conditioners for severe asthmatics
– Funeral costs ($2500)
30
Revised: June 17, 2010
Discretionary Benefits 2. Non Health-Related
• “Vocational training/retraining”
– can be used after employment assistance expense funds are used up,
and can include transportation costs. “Must be job specific and
connected to a job available in the local labour market”
• Non health-related travel & transportation:
– Transport to return to home outside of Ontario
– To attend court to seek spousal support
– To visit people at hospital or funeral for next of kin.
• Moving expenses
– Can include storage…sometimes can even include storage charges you
had before you applied for this benefit if the stored furniture is
“essential to the family”
31
Revised: June 17, 2010
Discretionary Benefits –
3. Other special items & services
•
•
•
•
•
•
•
Home repairs
– For “urgent” or “emergency” situations, Invoice
required, can be provided as payments included
in shelter, and may be divided over a number of
months to fit within maximum shelter allowance.
Layettes and baby supplies
Repair/replacement of essential furniture and
appliances
Replacement of household goods after emergency
(fire, flood)
Blood test in child support applications
Cost of preparing a will where the cost cannot be
paid by some other source
*** “Any other service” – so always ask your
caseworker - there is no harm in asking!
32
Revised: June 17, 2010
Discretionary Benefit: Energy
Conservation
• One-time discretionary benefit up to
$50, for ODSP and OW
• For low-cost energy conservation
measures such as caulking, weatherstripping, insulating hot water pipes,
etc.
• Seek approval in advance
• Can not be appealed
• Financial grants, items, or services
that are issued for energyconservation in homes by LDCs are not
considered income or assets for the
purposes of social assistance.
33
Revised: June 17, 2010
Questions: Part C?
•
Day to Day Benefits
•
Special Diet, - Pregnancy,
•
•
•
•
•
•
Drug & Dental
“Mandatory Special Necessities”
Vision, Hearing, ADP Co-payment
Community Start Up & Maintenance
Personal Needs Allowance
Discretionary Benefits (health and non-health)
–
Breastfeeding
Revised: June 17, 2010
EMPLOYMENT BENEFITS
35
Revised: June 17, 2010
Employment Deductions
•
GROSS INCOME:
Minus:
- Mandatory deductions (CPP, EI, Fed Tax based on
Revenue Canada formulas, not employers formulas);
Minus
- Daycare expenses, disability related expenses (max
$300), self employment business expenses
= POSITIVE NET EARNING
Deduct 50% of Positive Net Earnings from OW/ODSP
Income Support
36
Revised: June 17, 2010
Employment Start Up Benefits –
• Up Front Child Care Costs (OW, ODSP)
• Employment and Training Start Up
Benefits (OW, ODSP)
• Other Employment and Employment
Assistance Activities Benefit (OW)
• Employment Related Benefits (OW)
• Work Related Benefits (ODSP)
• Transitional Health Benefits (ODSP)
• Employment Transition Benefits (ODSP)
• Rapid Reinstatement (ODSP)
37
Revised: June 17, 2010
Employment Start Up:
Up Front Child Care Payment
• When up-front child care expenses are
required before one begins, changes or
maintains employment or any other
employment assistance activity.
• For both OW and ODSP:
- the actual child care cost for a licensed
day care facility, or
- up to $600/month for informal care
(family, friends, etc. *but not spouse
or member of benefit unit)
38
Revised: June 17, 2010
Community Participation (CP)
•
Unpaid volunteer placements for OW (and ODSP recipients will depend on the
municipality) to assist with employment skills
•
A person may be eligible for Other Employment and Employment Assistance
Activities Benefits (max $500/mth)
•
A community placement must be established as a requirement in the
Participation Agreement before Employment
and Participation Benefits can be paid
•
•
Employment and Participation Benefits
($253 in a 12 month period ) may cover:
– special supplies & equipment
– required for the placement.
– transit pass, clothing and grooming,
•
If on OW one can volunteer up to 70 hours each month (there is no minimum),
for up to 6 months (can request to volunteer for longer period if related to
employment training/skills).
39
Revised: June 17, 2010
Employment and Participation Benefits
• Full Time Employment Benefit (FTEB) (mandatory) –
– $500 in a 12-month period
– For recipient, spouse or dependent adult to assist with starting
a full time job of 30 hours a week or more
– Have received OW for 3 consecutive months
– Need assistance with start up costs (provide verification of
expenses/new activity)
• Other Employment and Employment Assistance Activities
Benefit
(see slide 44)
• Employment-Related Expenses $250 per month,
(discretionary)
– with a maximum advance of $500 for out-of-pocket expenses
associated but not limited to:
– necessary transportation, protective/clothing, grooming, and special
& or safety equipment, supplies and equipment, telephone expenses,
criminal reference checks or medical examinations and certificates
(where required as a condition of job referral or community
placements), costs associated with obtaining a Pardon (for the
removal of a criminal record to eliminate a barrier to employment),
minor fees (e.g., certification charges, short training costs)
Revised: June 17, 2010
40
Employment Assistance Activities Benefit
• Benefit is a mandatory benefit
• For any eligible member of the OW or ODSP benefit unit.
One must be:
– Starting or changing a job, in a training program, or
doing another “Employment Assistance” activity
– have proven expenses for the approved start up
• ODSP Maximum up to $500 in any 12 month period
• OW Maximum up to $253 in any 12 month period
• Eligible expenses may include:
– tools and equipment; transportation costs; work wear;
– grooming costs;
– licensing fees, association costs; or
– any other item that, in the opinion of the Director, is a
necessary work or training related expense;
• A letter may be required from the community agency,
training program or employer to provide support for this
benefit
Revised: June 17, 2010
41
ODSP Employment Supports
•The needs of a person with a disability who require more extensive
supports are met through ODSP employment supports
•A maximum of $300 per month can be deducted from gross earnings for
disability related work expenses if not paid by employer or other program:
- specialized transit services, attendant care services, specialized
equipment, sign-language interpreting, etc.
- Verification and receipts required
•Technical aids or devices to support access to
OW employment assistance activities
should be provided for ODSP recipients who wish to
voluntarily participate in Ontario Works.
•“Work Related Benefit” $100 per month if there is net positive earnings
from employment or training
•“Employment Transition Benefit” (ETB) of $500 will be paid if recipient
leaves ODSP for FT or PT employment or training and salary is greater than
ODSP entitlement. There is no requirement that one exit ODSP for a
minimum period of time in order to be eligible to receive the ETB.
42
Revised: June 17, 2010
OW/ODSP- Extended Health Benefit
(EHB)
• Mandatory Benefit
• For those who exit OW & ODSP because of excess
income before deductions
• Monthly health related costs must be greater than
your monthly entitlement
Covers (all or partial)
- Prescription drugs
- Dental and Vision (for ODSP recipients and OW children
only)
- Routine Eye Exam every 24 months
- Diabetic and Surgical Supplies
- Batteries and repairs to mobility devices
- Medical Transportation costs greater than $15.00
- Co-Payments for ADP program
43
Revised: June 17, 2010
OW - Extended Employment Health
Benefit (EEHB)
• Mandatory Benefit
• For those who exit OW for employment or
training program
• Transition period up to 6 months or until
employer provides – may be extended 6
months
• Person does not qualify for Extended Health
Benefit (EHB)
Covers (all or partial)
- Prescription drugs,
- Routine Eye Exam every 24 months
- Diabetic and Surgical Supplies
44
Revised: June 17, 2010
ODSP - Transitional Health Benefit
• “Transitional Health Benefit” (THB) – for
persons who become ineligible for ODSP
because their employment/training program
earnings income is too high; and can’t get
coverage through their employer.
• Do not qualify for the Extended Health
Benefit
• Includes drugs, dental and vision benefits.
Coverage continues until you are covered by
employer health plan
• No time limit, but eligibility must be reestablished annually.
45
Revised: June 17, 2010
RAPID REINSTATEMENT
•
In certain circumstances where a person has exited the ODSP Program and now
wants TO RE-APPLY to receive ODSP income support, INDIVIDUALS MUST BE
FINANCIALLY ELIGIBLE
•
•
•
•
Previously FBA Grandparented Recipients (prior to 1998)
Former recipient exits ODSP for employment
Eligible (no time limit)
Former recipient exits ODSP for any other reason
Not eligible
– must be adjudicated
•
•
•
Previously ODSP Adjudicated Recipients
Former recipient who did not have a review date
– regardless of reason for exit or time off
•
•
ODSP Former recipient who had a review date who
exits ODSP before review date has passed.
–
–
–
And reapplies before review date or
reapplies after review date has passed but
file has not yet been reviewed by Director
Eligible
 Eligible
46
Revised: June 17, 2010
Questions: Part D?
•
•
•
•
•
•
•
•
Employment Benefits
Employment Start Up Benefits
Up Front Child Care
Community Participation
Employment Assistance Activities Benefits
ODSP Employment Assistance Benefits
Health Benefits
Rapid Re-instatement
Revised: June 17, 2010
Where to Find Help…
•
For information about benefits or for help at anytime – especially
when a Caseworker says “NO”
•
Contact your nearest Community Legal Clinic
or community legal advocate!!!
•
Legal Aid Ontario 1-800-668-8258,
•
For OW – Contact your Municipal Councillor or local Client Services
for the Municipality
•
For ODSP - Contact your local Member of Provincial Parliament
•
•
If all appeals and negotiations fail:
- Contact the Ontario Ombudsman
–
TTY – 1-866-641-8867
Ombudsman cannot order a change in the Directors’ decisions – can investigate
“systemic” issues
48
Revised: June 17, 2010
This webinar was brought to you by
CLEONet
For more information visit the Social
Assistance and Pensions section of
CLEONet at www.cleonet.ca
For more public legal information webinars
visit:
http://www.cleonet.ca/training
2010, Community Law School
(Sarnia-Lambton) Inc.