ODSP Ontario 2026 — Ontario Disability Support Program

The Ontario Disability Support Program (ODSP) provides income and employment support to Ontarians with disabilities. In 2026, a single adult with a disability receives a basic needs allowance plus a shelter allowance totalling approximately $1,228/month. ODSP also provides health benefits, drug coverage, and access to employment supports. Understanding the full package is essential for any Ontario resident with a disability.

  ODSP 2026 Monthly Amounts: Basic needs (single): $728 | Maximum shelter (single): $500 | Total (single): $1,228/month | Couple (both with disability): ~$1,862/month | Additional benefits for children and special circumstances available

ODSP Monthly Benefit Estimator

Family situation Monthly shelter costs (rent/mortgage, max counted) Any monthly employment earnings? ($)

ODSP Monthly Rates 2026

Family Unit	Basic Needs	Max Shelter	Total
Single adult (disability)	$728	$500	$1,228
Couple (both disabled)	$1,093	$769	$1,862
Couple (one disabled)	$1,041	$769	$1,810
Single + 1 child	$923	$642	$1,565
Single + 2 children	$1,078	$731	$1,809

Eligibility Criteria

To qualify for ODSP income support you must:

Live in Ontario
Be 18 years of age or older
Be in financial need (pass an asset and income test)
Have a substantial physical or mental impairment that is continuous or recurrent and expected to last one year or more AND directly results in a substantial restriction in one or more activities of daily living

Asset Limits

Asset Type	Limit
Single person	$40,000
Couple	$50,000
RDSP balance	Fully exempt (no limit)
TFSA	Exempt up to $100,000 lifetime deposits
Principal residence	Fully exempt
One vehicle	Exempt up to $15,000
Life insurance	$100,000 cash surrender value exempt

ODSP and the RDSP

This is critical: RDSP balances and withdrawals are fully exempt from ODSP asset and income tests. This makes the RDSP an extraordinarily powerful tool for ODSP recipients — you can build substantial long-term savings through an RDSP without any impact on your monthly ODSP payments. The government's CDSG and CDSB grants also do not affect ODSP.

ODSP Health Benefits

Beyond monthly income, ODSP provides important health benefits:

Ontario Drug Benefit (ODB) — prescription drug coverage
Dental care (basic dental for adults, comprehensive for children)
Vision care — one eye exam every 2 years; $200 toward glasses every 2 years
Medical transportation costs
Assistive devices — may help fund wheelchairs, hearing aids, etc.
Special Diet Allowance — up to $250/month for specific medical dietary needs

ODSP Employment Supports

ODSP's employment supports program helps recipients prepare for, find, and keep employment. Services include job coaching, skills training, assistive technology, and workplace modification funding. Employment earnings are partially exempt from ODSP calculations: the first $200/month is completely exempt, and 50% of earnings above $200 is deducted from your benefit. This "earnings exemption" makes working while on ODSP financially worthwhile.

How to Apply for ODSP

Contact your local ODSP office or call 1-888-789-4199 to begin the process
Complete the financial intake process — provide SIN, proof of identity, income and asset information
Receive the Disability Determination Package for your medical team to complete
Submit the package to the Disability Adjudication Unit (DAU)
Receive a decision — if denied, you have the right to appeal to the Social Benefits Tribunal

🏦 Accessible Banking with Zero Fees

KOHO's simple, no-fee banking is accessible for Canadians living with disabilities. No branch visits required — manage everything from your phone with no monthly fees.

Get KOHO Free — Code 45ET55JSYA

Informational only. ODSP rates updated periodically by Ontario government. Verify current amounts at ontario.ca/odsp. Last updated March 2026.