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Grants For Single Mothers in Canada [2020 Update]

Grants For Single Mothers in Canada

It’s safe to say that a vast majority of women does not plan to become single mothers. More often than not, becoming a single mom catches you off guard. Being unprepared, most moms are not aware of the financial help available to them as single parents raising their children alone. When I became a single mother, I had no clue about any tax benefits or government grants and took me a while to research this information and apply for these programs.

This post provides a list of important grants available to single mothers in Canada. You will find this information about grants especially valuable if you recently became a single mother.

Grants available to single mothers in Canada can be divided into two categories: federal and provincial. In order to qualify to receive these grants and benefits, you need to be a separated or divorced parent of the child who lives with you and for whom are you are primarily responsible (care, living, and education). Divorced mothers who have a shared legal custody of a child are likely to receive one-half of any available benefit.

Applying for most of these grants, available to you as a single mother on a federal level, can be done during the taxation period. However, if you become a single mother at any point throughout the year you should apply for available grants right away.

Federal Grants & Benefits

[2020 Grant: Canada’s COVID-19 Economic Response Plan]

Due to the unique challenges posed by the global Coronavirus pandemic, the Canadian government is offering an immediate assistance to those who need it most.

  1. As a single mother, you will see a one-time automatic boost to your Canada Child Benefit in May 2020. The boost amount is $300 per child.
  2. If you and your children are fleeing violence, the Canadian government is also providing $50 million to women’s shelters and sexual assault centres to help with their capacity to manage or prevent an outbreak in their facilities. This includes funding for facilities in Indigenous communities. This means, that if you need help in this category, it is ok to reach our and rely on these immediate service providers to assist you and your children, even (and especially!) during the time of pandemic.
  3. There will be an additional credit on Gods and Services Tax credit if you have a low or modest income. The average boost amount will be $400 for an individual.

See more details about the Canadian COVID-10 economic response on this page.

Canada Child Benefit (CCB)

As the Canadian Revenue Agency (CRA) describes it, the Canada child benefit (CCB) is a tax-free monthly payment made to eligible families to help them with the cost of raising children under 18 years of age. Learn more about this benefit on this page.

Reduction of Income Tax At Source

I wrote about this little-known benefit in my post Increase Your Income With T1213 Tax Form. I highly suggest you read it in detail, but basically this form makes it possible for you, as a taxpayer, to reduce monthly income tax if you have considerable ongoing expenses (such as childcare or ongoing medical expenses).

Canadian Pension Plan Splitting

You can apply to split the Canadian Pension Plan (CPP) savings during your separation or divorce. This includes dividing all CPP savings that were accumulated during the time you lived together with your ex-spouse. You are eligible for equal division even if you have not made any contributions while living together. Importantly, you need to apply within 36 months after the end of your marriage (including separation period).

To view full details and apply, visit this page.

Enhanced Employment Insurance

To receive payments under the Employment Insurance (EI), you need to be an individual who lost your job through no fault of your own (for example, due to shortage of work, seasonal or mass lay-offs.) You must also be actively looking for employment and able to work. Click here to see full eligibility requirements. Always apply for EI benefits as soon as you stop working. There is a one week waiting period so you don’t want to waste any time.

As a single mother, you could also be eligible to receive an additional Family Supplement to your EI. This supplement may increase your benefit rate up to 80%. To qualify, your net income should not exceed $25,921 per year.

Disability Tax Credit (DTC)

The disability tax credit (DTC) is a non-refundable tax credit that helps people with disabilities reduce the amount of income tax they may have to pay. There are numerous mental and physical disabilities that can qualify you to receive this credit. You might be surprised to discover that you are actually eligible to claim this amount. Go to this page to see the list of qualifying factors.

Canada Education Savings Grant

If you want the government to pitch in for your child’s future education, this grant can help. Basically, you need to register for your child’s Registered Education Savings Plan (RESP) and the government adds 20 cents on every dollar you contribute, up to a maximum of $500 on an annual contribution of $2,500. After high school, your child can withdraw the money to help pay for either full-time or part-time studies.

Learn how to open a RESP account here.

Good to know: Children Fitness Tax Credit and Arts Credit have been eliminated in 2017, so you can no longer claim it.

Provincial Grants & Benefits

Although most grants vary greatly province by province, there are some common benefits you can count on.

Legal Aid

If you have been a stay at home mom or make a very modest income, you need to apply for Legal Aid in your province of residence. Legal Aid is a provincial program that can cover your legal fees in divorce, custody proceedings, and other legal services you might require.

Simply search online for the Legal Aid in ____________ (insert your province in the search window). I suggest applying to Legal Aid immediately after you separate from your spouse. Some provinces have more generous Legal Aid available vs others, but they can point you to some good free resources in any event.

Food Assistance

There is a large variety of food assistance programs available in each province to single mothers. While getting food assistance might not be something you are comfortable with, it really helps and is a great help available to you and your children. Typically, provincial food assistance is available to single mother via different local organizations.

Childcare Subsidy

Most provinces in Canada offer childcare subsidy. While the amounts of financial assistance you will receive will vary depending on your province, this benefit is invaluable to all single moms. There is usually a wait to received the childcare subsidy, so make sure to apply as soon as possible. If you are pregnant, you can still begin your inquiry about childcare subsidy early on, as you will need to go back to work eventually.

Personal Counseling and Therapy

Each province offers special programs to assist individuals with counseling and psychotherapy. To find programs available to you, search online for your provincial Health Authority website. YWCA in various provinces (see below) often have group and individual counseling resources available to single mothers.

YWCA

YWCA is an organization that provides a wealth of information, resources, and assistance to single mothers. Their mission is to be a turning point for women, and they are equipped with up-t0-date information about legal issues, shelters, child care, employment assistance and more! Under some programs, they also can provide you with a free fitness pass to their facilities.

I highly suggest connecting with your local YWCA if you just become a single mother and/or fleeing an abusive relationship.

Housing and Rental Assistance

As a single mother, you might be eligible for a subsidized housing benefit available in most provinces. Yes, the wait might take a while but the cost of this housing is extremely affordable and will help you live in much bigger space with your children for a fraction of market cost.

Some provinces, like British Columbia (BC), also have Rental Assistance programs. If your income meets the requirements, you will be able to receive financial assistance to pay for your rent. To see this program details in BC, check this page. If you are in Ontario, you need to visit Rent Geared to Income (RGI) program page.

I hope this list of benefits and grants for single mothers in Canada will be of help to you. I am not ashamed to say that I used most of these services myself, and they helped me to overcome an extremely difficult period in my life when I just became a single mother who was unemployed and unprepared. These programs were created because they recognize the difficulties single mothers face, and you will be amazed at how much help you can get while you are building your single-parent family up.

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24 Comments

  • Avatar
    Reply Rita March 25, 2020 at 3:00 am

    Hi! I was just wondering what year this blog post was posted, thanks.

  • Avatar
    Reply Cathy Zalot March 28, 2020 at 12:57 pm

    Hi! What help is there for Mothers that are in school and receiving OSAP which expires in April and school was cancelled but coarse was not finished because of Covic-19. this is a big stress for these Mothers who already have aniety. They didn’t work so they can’t apply for EI ?????

    Cathy

    • Nina Anderson
      Reply Nina Anderson March 28, 2020 at 8:09 pm

      Hi Cathy, good question. Most schools have offered online training to students now, please check with your school. I think you might be eligible for a COVID-19 benefit if your school got cancelled, but you would need to call the OSAP and try applying for the benefit.

    • Avatar
      Reply Allison Doreen November 21, 2020 at 6:50 pm

      I could really use help with housing here is my story and why gf.me/u/y9qwf2 if any one has any advice about a way I can relate my big family of 5. You can email me any of you advice harleylovespudding1715@gmail.com. I really am in need of save cheep housing for me in my kids I any on the low income waiting list for everything from Napanee to Port Hope Ontario but were barely moving on the emergency list. I apply for a listing I see but because I pay rent where I am and we can only stay here for a year witch ends in may I need help any help even advice. I want to have a new place before my kids dad is out of jail in February or at the very least before I get kicked out in may

      • Nina Anderson
        Reply Nina Anderson December 1, 2020 at 8:44 pm

        Dear Allison, it is so sad that many single mothers are struggling with affordable housing. It is true that low income housing lists take forever, so your best bet is to seek out a private rental. There are some good people out there and it is possible! At the same time, apply for rental assistance with your municipality and keep pressing on!

  • Avatar
    Reply June May 8, 2020 at 8:23 pm

    I am a widow with 2 kids. I work 3 jobs to make ends meet. I am lucky enough to have kept one job during this pandemic but I cannot do my 2 part time jobs and of course do not qualify for any subsidies. I feel frustrated since a 2 parent family that lost one income would qualify.

    • Nina Anderson
      Reply Nina Anderson May 9, 2020 at 9:25 pm

      Hi June, thanks for sharing and sorry to hear about your situation! Can you try to contract on the side if your other job permits to make up for the lost income? Additional boost to child benefit in May should help a little. For those whose children are older and are students they also get additional relief from the government paid to them instead of income.

  • Avatar
    Reply Melissa May 22, 2020 at 4:48 am

    Hi Nina,
    Thank you for sharing these useful resources. I posted this article on my Facebook page. Would you be interested in partnership? You can find me on @singlemomonthemove

    • Nina Anderson
      Reply Nina Anderson May 23, 2020 at 4:51 pm

      Hi Melissa, thanks for reaching out! Will connect with you on the Facebook.

  • Avatar
    Reply Tashi May 30, 2020 at 3:43 pm

    Bonjour Nina. I am from France. I have an aunt who lives in Canada Toronto. She is a widow. Has a son and a daughter. Since she can’t write And read it’s quite difficult for her to ask help from people. Will you be kind enough to leave me a reply if there’s any help for monthly rent from government? Thank you in advance.

    • Nina Anderson
      Reply Nina Anderson July 10, 2020 at 3:58 pm

      Hi Tashi, your aunt needs to apply to rent assist programs for low income families in Canada. It is possible! Other assistance depends on her income and the age of her children. If they are grown and not disabled then there is no additional support besides tax relief on low income and social assistance benefits. I hope this helps!

  • Avatar
    Reply Stephanie July 13, 2020 at 4:55 pm

    Hi. I was just wondering if you know of any financial assistance the gov’t would provide fir a single/widowed mom to go back to school?

    • Nina Anderson
      Reply Nina Anderson September 22, 2020 at 9:29 pm

      Depending on your province, various grants and loans are available. It is best to check with the school you select as they have enrollment team to help with this.

  • Avatar
    Reply Cara July 20, 2020 at 3:32 pm

    Single parents in Manitoba who are attending (or plan to attend) the University of Manitoba, University of Winnipeg, or Red River College, qualify to apply for the Rise Above Bursary.

    Rise Above is a registered Canadian charity, that provides a minimum of one bursary every year. (In 2020, however, there will likely be four bursaries awarded.)

    Bursary applications for the 2020-2021 academic year are due JULY 31st. You can download the application at https://www.riseabovebursaries.ca/apply-now

  • Avatar
    Reply Sara July 27, 2020 at 1:10 am

    Hey nina
    I have a question. I am single mother of 2 kids. I dont work because i have lil kids, can i still get subsidy for kids.. beacuse sometimes i have to go to my lawyers appointments and consellor appointmwnts and i dont have anybody to look fter my kids.. so i have to take them with me all the time and its too difficult to handle kids on the appointments . Thnks

    • Nina Anderson
      Reply Nina Anderson September 22, 2020 at 9:34 pm

      I don’t think there is a subsidy for appointments, but if you have Legal Aid or your counselor appointments are subsidized, you can ask about child care amount as well. It depends on who covers your appointments.

  • Avatar
    Reply Niq August 22, 2020 at 11:49 pm

    Hi, is there any grant program for single mothers for down payment and/or assistance to buy a house? Who to call?

    • Nina Anderson
      Reply Nina Anderson September 22, 2020 at 9:27 pm

      Hi Niq, you might want to check out Rental Assistance in your province to help with housing. There is nothing to help with downpayment for the house, unless you want to move to one of the remote areas which sometimes offer such sibsidies.

  • Avatar
    Reply Sumanpreet Kaur August 25, 2020 at 1:02 pm

    Hi
    This all information is beneficial. I just want To know how much i can get financial sport from government for surviving with my one 3 year old child.plz reply

    • Nina Anderson
      Reply Nina Anderson September 22, 2020 at 9:32 pm

      In Canada, you get child benefit amount each month (amount varies depending on your financial situation). You can also reach out to local women support organizations to help with groceries, etc.

  • Avatar
    Reply Shaz November 25, 2020 at 2:03 pm

    Hello, I recently became a widow and my son is only 3. I’ve never claimed benefits, I’m currently on CEWS from my employer. Would all these benefits also apply to me? Can I claim anything else as a widow?

    • Nina Anderson
      Reply Nina Anderson December 1, 2020 at 8:46 pm

      Hi Shaz, the benefits should apply to you, but it also depends on the government assessment of your income and eligibility. You can claim all benefits though and get approved for whatever applies in your situation.

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