(with apologies to Harper’s Index)
Maximum monthly amount a single 65+ Ontarian receives from OAS/GIS/GAINS, July 2025 … $1,923
Maximum monthly amount a 60–64 couple receives from Ontario Works … $1,136
Percentage by which the senior’s single rate exceeds the younger couple’s … 69.3%
Flat annual earnings exemption for a Guaranteed Income Supplement (GIS) recipient … $5,000
Value of $5,000 exemption (2020) if indexed to 2025 prices … $6,010
Share of full-time minimum wages represented by $5,000 … 14.6%
ODSP earnings exemption (yearly) in 2025 … $12,000
Percentage by which ODSP exemption exceeds GIS exemption … 140%
Nominal GIS clawback on non-employment income … 50%
Real clawback on non-employment income after 2011 and 2016 changes… 59%
Real clawback for GAINS recipients…84%
Effective clawback for GAINS recipients in subsidized housing … 89%
OAS clawback rate for high-income seniors (income over $90,000) … 15%
Percentage of seniors who are immigrants in Canada…30%
Percentage who are immigrants in Toronto …71%
Share of seniors in paid employment in Canada in 2023… 15%
In Toronto… 27.5%
Share of Ontarians represented by GIS recipients (men and women) … ≈6%
Share represented by all ODSP and Ontario Works beneficiaries (men, women, and children) … ≈6%