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Indexation to inflation turns out to be a myth for all With higher inflation, increases in indexed benefits have been more noticeable lately. For example, Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) -which are indexed quarterly - have been increasing far faster than the cost of living as measured by the Consumer Price Index (CPI) over the past ten years. But other benefits have been lagging behind such as Ontario Works (OW) and the Ontario Disability Support Program (ODSP) payments. Still others appear to be increasing faster than the rate of inflation. We decided to delve a bit further into the numbers. That’s easy to do because the Bank of Canada provides a service to the public in the form of its Consumer Price Index (CPI) calculator…

In two earlier blog entries, I talked about the Federal Court case lost by Amanda Coscarelli. Her earned income in 2019 fell $7.26 below the $5,000 threshold required for eligibility for the Canadian pandemic benefits called the CRB. In the first blog, I made the case explaining why Amanda should have been found eligible on appeal and in the second, I attempted to counter a number of thoughtful arguments in support of her remaining ineligible as well as Court requirements for high standards of bookkeeping for very low-income earners. I raised several issues about fairness, evidence, double standards and conjectured that Amanda may have been eligible for pandemic benefits if, in 2019, she had received even $10 in the form of an eligible Honourarium.   For example, I personally receive…

Usually a blog is a one-off –some thoughts on a subject - over and out – not a treatise. The astonishing case of Amanda Coscarelli is not in that category. Amanda deserves more. And Canadians deserve more. Amanda is a woman that I wrote about here: https://openpolicyontario.com/achingly-close-a-tale-of-policy-intransigence-hubris-and-a-half-hour-of-paid-work/ I won’t reprise the argument. It’s all here for anyone to read along with the Federal Court case she lost - missing the yearly pandemic threshold income level of $5,000 by just $7.26. So what’s new? What more is there to say about Amanda? After all, there are lots of income eligibility thresholds and cut-off points for various income security benefits in Canada. For example, Employment Insurance (EI) has variable entrance requirements on receipt of EI benefits. Miss the eligibility threshold by a…

There is a Canadian woman named Amanda Coscarelli who should be a household name. She has singlehandedly demonstrated the excruciating unfairness of an important element in the design of the Canada Recovery Benefit (CRB). But her ultimate rewards were equal measures of frustration, ineligibility and hardship. I don’t know her personally and I could not find her online so I only know Amanda through a Federal Court decision named Coscarelli v. Canada (Attorney General) from December 1, 2022 - Mr. Justice Diner presiding. You can read it here: https://decisions.fct-cf.gc.ca/fc-cf/decisions/en/item/522550/index.do Her case is public. She represented herself while the Canadian Government was represented by the Attorney General of Canada. And she lost. The bottom line in the case is that Amanda applied for $14,000 in Canada Recovery Benefits (CRB) in good…

My name is John Stapleton. I am a resident and a voter in Scarborough North. I study social and economic policy. I have lived in Northern Scarborough for the last 44 years. In the new millennium, I have been President of a Canadian non-profit Board and a Chair of an Ontario agency. I currently chair an Ontario Commission. I know what it’s like to live within government rules and constraints. I also know that you have choices - and in my view – you have not made those choices – you have only apologized for the constraints under which you tell us you must live. I have also lived through many electoral boundary changes but I can tell you that for the first time in 2018 – all our Scarborough…

The stranglehold of the titans has begun.    The sad saga begins here. I left my computer on - exactly how I wanted it - with two Google Gmail accounts open along with a number of fully open Chrome windows. I had several PDF’s open in Chrome and five Word documents that I was working on. I have my own Zoom account and had a meeting later that day. My computer went to sleep when I left it alone for a few minutes. I came back and revived it. My Windows 11 wallpaper greeted me, not the Chrome screen I left a half hour before. In the tray at the bottom, Microsoft Teams popped up. Zoom was gone from the tray. I quit Microsoft Teams I went to Zoom in…

There is a lot of interest these days in automatic indexation of benefits as inflation rises to levels that we have not seen in the past 40 years. Generally speaking, indexation is the federal rule and the provincial/territorial exception. But EI at the federal level is not indexed and most social assistance programs at the provincial/territorial level continue to slowly erode to inflation. And now they are eroding much faster. But lack of indexation is not synonymous with no increases at all. And that actually does happen. Some benefits just don’t get increased at all…. for decades. Let’s look at two examples. The first is a small program called GAINS-A (The Ontario Guaranteed Annual Income System for the Aged) and the other is the CPP death benefit.  GAINS-A (The Ontario…

“.…the Good Samaritan, he’s dressing,He's getting ready for the showHe's going to the carnival tonighton Desolation Row”[1] The year 2022 may be remembered for being a pre-pandemic, mid-pandemic and post-pandemic year all at the same time. It’s just completely uncertain just a few days before we enter the new year. One thing we do know for certain in Ontario is that there will be a provincial election on June 2 and at this juncture, it is clear that none of the three parties that have ever won a provincial election in Ontario will raise social assistance in line with inflation. To restore rates, how much should they be raised? We know that there have been no increases in rates since 2018 and that they are for now, frozen in time.…

It's interesting to do a 'thought experiment' where - instead of the GIS clawback being an unintended consequence of policy (which it was and is) - to think for a moment what it would mean if the GIS clawback of pandemic was purposeful - i.e., they meant to do it. Mad Magazine at one time had an ongoing series of send-ups on things ‘we would like to see’. An honest News Release on the GIS clawback related to the CERB/CRB might have looked like this: April 1, 2020 - ESDC - News Release (Check against delivery) The Government of Canada is planning to distribute new taxable pandemic benefits that will be delivered to all senior citizens who work and who realized at least $5,000 in earnings last year. These new…

The first report of Ontario’s Mothers’ Allowance Commission was delivered to the Ontario Government on October 31, 1921[1]. Copies are only available at the Ryerson Library and Ontario’s Legislative library so I scanned it in for the convenience of all. See footnote 1 below. It’s a fascinating report and I encourage all readers to download it and consume it voraciously. The sections on the travails of field workers visiting applicants and recipients are really quite gripping. They narrate walking miles in blinding snowstorms, riding the rails and making visits on horseback. But telling that tale is not why I am writing this blog today. I am writing because the Mothers’ Allowance - that was only given to Widows at first - may have been – at least in part -…