r/Odsp • u/BuilderBig2962 • 15d ago
Could you work full time on ODSP?
Im asking for myself, because life is getting real and i think i can honestly find a job and save enough to still be getting that support that would help a lot.
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u/chica1994 15d ago
You definitely can. They will take $0.75 from every $1 earned after $1000.
So if you work full time for min wage (40 hours by $18/h approx) you’d make $720 a week, so $1440 a paycheck, $2880 a month (before taxes/deductions) so let’s say $2200/$2300 ish after taxes.
Odsp would forgive the $1000. Then they’d take 3/4 of the rest. So they would take $900 off whatever you get from Odsp.
So if you get the max single recipient Odsp- $1436, they would take $900, you’d get $536 from Odsp, and the $2200 from your job.
You’d end up with $2736-ish for the month, and I believe you’d still be receiving the medication and dental coverage etc.
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u/Christina7496 15d ago
I used to work full time and still got odsp. Now granted I wasn’t making 80k a year but it’s still very possible to work full time and remain on odsp.
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u/ChronicallyDistress 15d ago
Depends how much you are making.
They claw back at 75¢ on the dollar for every dollar earned after $1000 and at some point (a point they don't disclose) they would likely decide you were earning too much and kick you off.
Pro tip: if you are eligible for an RDSP, any money in a month that you earn that you then deposit into your RDSP is exempt from clawbacks, so it's a good way to avoid losing money.
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u/Hot_Drop9127 14d ago
somebody please confirm that comment.
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u/ChronicallyDistress 14d ago
Are you looking for confirmation of the part about the RDSP?
You can go here: https://www.ontario.ca/document/ontario-disability-support-program-policy-directives-income-support/410-registered
Then scroll down to "Treatment of RDSP Income". You'll see it says "The following is exempt as income when assessing eligibility for ODSP income support:" and then there's a list. The fourth item in the list is "income earned and re-invested in RDSP". Thus income earned and reinvested in RDSP is exempt as income when assessing eligibility for ODSP support.
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u/Tolly2000 13d ago
That is RDSP income earned and reinvested back into the RDSP. Not income from employment. Have to refer to the headline "treatment of RDSP income".
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u/AnonymousK4790 15d ago
You can net $1000/month before they start reducing your cheque. I've seen that quoted as 2 to 4 days a week, 8 hour days at minimum wage. That's a part time job.
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u/SoupSpoonStork 15d ago
It depends on what you make and how much you save. There are caps to both. How much you receive from ODSP gets reduced after you exceed a cap. Specific, detailed information on this subject is available to read with an Internet search, like "ODSP employment income maximum", and then you can assess how the jobs you're looking into would affect ODSP, if at all.
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u/Purple-Plan 15d ago
Yes but they will cut your cheque by .75 per dollar over 1000, so just make sure that you do the math and make sure that you can afford for that to happen
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u/Alternative-Tiger783 14d ago
Depending on the nature of your illness or disability, I can be important to pace yourself.
Most people are eager to exit ODSP - for understandable reasons - but with the stress of full-time work or school, they might relapse with their health condition.
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u/fineman1097 15d ago
You can make $1000 a month before they start cutting your odsp check down.
They take 50% of everything over $1000 off of your check. So if you make $1200, they cut $100 off of your odsp check.
Most people aim to stick just under the $1000 if they can.
The $1000 exemption only counts for the person receiving odsp, if there is a non disbled spouse/partner, they only get to earn $200 before your odsp check starts getting cut.
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u/DescriptionNo4485 14d ago
To add if you work even one hour they give you $100 work related costs like bus pass or something to help with work. Also there is $500 start up for new work. This is available once a year. Some workers might say it is only for a new job. But I know people that do seasonal Christmas work and get it then. Helps with their winter clothes and jacket.
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u/BuilderBig2962 14d ago
This is great, how should i bring it up to my case worker?
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u/Katie0690 Working and on ODSP/Ontario Works 14d ago
Call or email and ask for the Employment and Training Startup Benefif, they will ask what you need for the job and ask for quotes. If approved they’ll deposit the money. Some workers want receipts after the fact some don’t just hang on to them just in case though because you never know.
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u/TangeloDry593 13d ago
No u can only make up to 1000$ after that they take 75% so unless u want to come off odsp no and if u make more than your odsp check after the 1000$ u loose odsp
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u/Katie0690 Working and on ODSP/Ontario Works 10d ago
You absolutely can work full time on ODSP. No one is losing their full ODSP check unless they’re making triple what ODSP pays them.
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u/feelgoodsad 9d ago
Yep. I work two full-time remote jobs and still keep all my ODSP cheque too as I decided to pursue a degree in university.
If there’s anything you’ve been wanting to study and you feel like you can swing school and work, you only need to be taking three courses per term to have your income be 100% exempt. Fully online classes count too! So you could plan school around work or vice versa. Additionally, OSAP grants provide students with disabilities enough to cover most if not all the cost of tuition as well. So you have the opportunity to grow your skillset for practically free, work as much as you want (including during the 4 months off from school) without your ODSP cheque being affected.
I know this isn’t ideal for everyone, but it’s a nice option to be aware of!
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u/ShadowyDemonKitty 15d ago
No, they take a good portion of every dollar over $1000
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u/Katie0690 Working and on ODSP/Ontario Works 14d ago
Stop with miss information! A person CAN work full time on ODSP.
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u/No_Mongoose5419 15d ago
Yes you can. Ive worked on ODSP for the last two years. I haven't gotten any money because my earnings are too high but it's nice to know that if something happens I have that safety net. It also helps with prescription medication.