Personal Finance

Support for people who can’t work because of an injury

  • Last Updated:
  • Feb 7th, 2021 9:52 pm
[OP]
Newbie
Aug 30, 2017
58 posts
10 upvotes

Support for people who can’t work because of an injury

My Part time cleaning lady who is 62 broke her wrist last year and while her wrist has healed, she is still in pain and can’t really go back to work. Is there anything she can do to get support from the government.. I don’t think she can go back to cleaning houses. Her landlord is asking her to move out of the basement and she is looking for affordable housing as well and hoping we won’t be using up all her savings.. TIA!
9 replies
Deal Addict
Dec 12, 2009
4506 posts
2133 upvotes
Toronto
Location would help as different provinces likely have different support systems.
If was employed, WSIB.
If self employed in ON, then maybe ODSP if her MD says she is disabled. Not sure if that works for a temporary disability or not.
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Deal Addict
Jan 2, 2015
1575 posts
557 upvotes
Toronto, ON
Workers Compensation. EI sick leave. CPP disability. Disability welfare. I am sure I'm missing some. The biggest issue might be choosing which to apply for first.

As an employer, I hope the OP registered for Workers Compensation.
[OP]
Newbie
Aug 30, 2017
58 posts
10 upvotes
I’m in Toronto. She’s self employed and clean houses for a living. She used to be a stay home nanny in her younger years but have been self employed for a while now. Unfortunately she didn’t contribute for EI so she’s claiming CRB now but it’ll come to an end soon. She filed for CPP early retirement but it’s really small. I’ll look at the other options mentioned.. thanks!!
Deal Addict
Nov 8, 2017
1519 posts
845 upvotes
slzz888 wrote: I’m in Toronto. She’s self employed and clean houses for a living. She used to be a stay home nanny in her younger years but have been self employed for a while now. Unfortunately she didn’t contribute for EI so she’s claiming CRB now but it’ll come to an end soon. She filed for CPP early retirement but it’s really small. I’ll look at the other options mentioned.. thanks!!
She may be able to get on provincial disability. In B.c you get 900 a month and can make a certain amount before its clawed back. Get free prescription coverage as well
I don't know what Ontario is like . Probably worse with Ford at the helm
Deal Fanatic
Jul 4, 2004
8678 posts
1624 upvotes
Definitely try for disability as the others have mentioned. Continue to collect CRB until approved.
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Jr. Member
Nov 15, 2006
195 posts
97 upvotes
How did she break her wrist? Potential for a lawsuit where she can claim an income loss claim in addition to her pain and suffering?
Deal Addict
Jan 19, 2017
4091 posts
2327 upvotes
slzz888 wrote: My Part time cleaning lady who is 62 broke her wrist last year and while her wrist has healed, she is still in pain and can’t really go back to work. Is there anything she can do to get support from the government.. I don’t think she can go back to cleaning houses. Her landlord is asking her to move out of the basement and she is looking for affordable housing as well and hoping we won’t be using up all her savings.. TIA!
If she was getting paid cash and never reported the income on her income tax return, then she is out of luck. She can try to get local gov’t(province) social assistance payment if there is such thing in her location.
[OP]
Newbie
Aug 30, 2017
58 posts
10 upvotes
Thanks for all the responses. She is filing her taxes but just wasn’t contributing for EI. She slipped on a side walk of a road. CRB is a big help now but her 2020 income will be less than 5k so it’ll be an issue going forward.
Member
Dec 5, 2011
483 posts
459 upvotes
YVR
slzz888 wrote: Thanks for all the responses. She is filing her taxes but just wasn’t contributing for EI. She slipped on a side walk of a road. CRB is a big help now but her 2020 income will be less than 5k so it’ll be an issue going forward.
I am pretty sure she would not have been eligible for EI anyway. Self employed EI is pretty awful. It is only somewhat worthwhile if you want to go on parental leave.

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