Financial & Additional Services
Registered Disability Savings Plan
What: A registered disability savings plan (RDSP) is a savings plan intended to help an individual who is approved to receive the disability tax credit (DTC) to save for their long-term financial security. Contributions to an RDSP are not tax deductible and can be made until the end of the year in which the beneficiary turns 59. Contributions that are withdrawn are not included as income to the beneficiary when paid out of an RDSP. However, the Canada disability savings grant (grant), the Canada disability savings bond (bond), investment income earned in the plan, and the proceeds from rollovers are included in the beneficiary's income for tax purposes when paid out of the RDSP.
An RDSP can get a maximum of $3,500 in matching grants in one year and up to $70,000 over the beneficiary's lifetime. A beneficiary's RDSP can receive a grant on contributions made until December 31 of the year in which the beneficiary turns 49.
If you have a shortened life expectancy search the page for, specified disability savings plan (SDSP).
Who: For anyone approved for the Disability Tax Credit, see above.
Where: RDSP
Repayment Assistance Plan for Borrowers with Disabilities- Student Loans
What: If you have a disability, you may qualify for the Repayment Assistance Plan for Borrowers with Disabilities (RAP-D).
This plan could lower your student loan payments for 6 months. You can also submit disability related expenses that may help lower costs. You may even qualify for no payments at all.
Who: You may qualify for RAP-D if you:
live in Canada or:are a reservist or spouse of a reservist deployed abroad, or
are on an international internship for a year or less
have loans in repayment
are up-to-date on your loan payments
fall within the income thresholds, and
have a disability that is recognized by the Canada Student Financial Assistance Program
Where: Website.
Cost: Free
Safe At Home
What: We offer a broad range of housing, service and support programs from a low-barrier, stage-appropriate, and harm-reduction orientation. Every program is person-centered and incorporates cultural safety and traditional knowledge, as well as voice, choice, and empowerment for those who access our services.
Who: We serve all individuals who are homeless or at-risk of homelessness. We prioritize individuals with complex challenges and barriers to housing.
Where: Website. Facebook. admin@safeathomeyukon.ca
Phone (867) 332-0630
310 Alexander Street, Whitehorse
Severe Permanent Disability Benefit- Student Loans
What: Borrowers with a severe permanent disability who are unable to repay their Canada Student Loans may be eligible to have their debt cancelled through the Severe Permanent Disability Benefit.
You have to apply and qualify for this benefit. Receipt of the benefit is not automatic or guaranteed. Also, once you have received this benefit, you would not be eligible to receive any additional Canada Student Grants or Loans.
Note: The Repayment Assistance Plan for Borrowers with Disabilities (RAP-D) is also available to Student Loan borrowers who have a permanent disability.
Who: A “severe permanent disability” is one that:
prevents you from participating in substantially gainful employment; and
will remain with you for life
“Substantially gainful employment” is work that pays at least the maximum that one can receive as a disability pension under the Canada Pension Plan Disability Benefits.
Our medical adjudicators will determine if you are eligible based on your application and supporting documentation.
Where: Website.
Cost: Free
Social Assistance- YG
What: Yukon Social Assistance provides financial help to people who do not have enough money to live on. It helps cover the costs of basic needs. This program is a last resort after you've explored all other possible sources of income.
Who: You may be eligible to apply if you do not have enough money to meet your basic needs, and:
your partner or spouse does not make enough money to meet your basic needs;
you're a Canadian citizen or permanent resident of Canada; and
you do not have a First Nation Status Number, and/or the last working person in your relationship does not have a First Nation Status Number.
Where: Website. Phone 867-667-5674, visit our office at 3168 3rd Avenue in Whitehorse, or email incomesupport@yukon.ca.
Cost: Free
What: The Yukon Supplementary Allowance is $250 per month.
Who: You may be eligible if you receive, or are eligible for, social assistance.
You must be:
a Yukon resident;
19 years or older; and
either assessed as unemployed because of severe or long-term disability; or
receiving Old Age Security, or reached an age that you can receive it.
Where: For more information, speak with your case manager at the Adult Services Unit. or, you can phone Yukon Supplementary Allowance 867-667-5674.
Cost: Freeg
Supports for seniors and vulnerable adults- YG
What: Seniors and vulnerable adults can access many supports such as:
navigating community resources;
accessing pensions and benefits;
planning to age in place;
exploring legal tools to protect finances; and
future medical and healthcare decisions.
Who: Seniors and vulnerable adults.
Where: Website.
Cost: Free
Surviving in the Yukon a Tool Kit
What: PDF for free and low-cost goods and services.
Who: Everyone
Where: Yukon Anti-Poverty Coalition. Google them and they post updated PDFs.
Temporary Financial Protection
What: Cannot care for yourself: get temporary financial protection
Under the Care Consent Act, you can get temporary financial protection if you're: incapable of making a care decision; and not able to manage your financial affairs.
For example, you may be in a car accident, suffer a head injury and suddenly be unable to pay your bills. Your bank may not allow other people to access your bank account. In this situation, a certificate can be issued and sent to the Public Guardian and Trustee. They can then look after your finances for up to 60 days.
Who: Everyone
Where: Website. Phone 867-456-3946, toll-free in Yukon 1-800-661-0408, extension 3946.
Cost: Free