Bruce Grey Poverty Task Force Poverty Task Force

United Way of Bruce Grey and Community Partners Launch Financial Literacy Workshops to Support Seniors Living on Low Income

The United Way of Bruce Grey/Bruce Grey Poverty Task Force and community partners are expanding their commitment to senior well-being with a series of webinars designed to help older adults better understand and navigate retirement income.

Retiring on a Low Income for Seniors in Grey Bruce Webinarswill deliver a series of accessible webinars for seniors living with low-income and the professionals who support them in community hubs in Grey and Bruce Counties.

  • Friday, May 8th, 2026 10:30am-12:30pm: What Seniors Get (Government Incomes)
  • Friday, May 22nd, 2026 1030am-12:30pm: Income Tax Systems
  • Friday, June 5th, 2026 10:30am-12:30pm: Parallel Universe (the financial reality for low-income seniors, when conventional financial wisdom does not apply) 

These free webinars are designed for individuals aged 45 to 65, particularly those with low or moderate incomes, as well as those navigating programs such as Ontario Works or the Ontario Disability Support Program.

Registration is requested to ensure space and availability at each location.

Expert-Led by Leading Policy Specialist

With thanks to funding from the Community Foundation Grey Bruce, we are pleased to bring John Stapleton, founder of Open Policy Ontario, a leading expert in income security and social policy to our screens.

John Stapleton brings 28 years of experience with the Ontario Ministry of Community and Social Services and has held key advisory roles on national poverty reduction strategies, income security and social assistance policy reform. He is currently a Policy Fellow at the National Institute on Ageing and has published extensively on financial security issues affecting seniors and low-income populations.

“John’s expertise ensures participants receive clear, practical guidance grounded in real-world policy and experience,” said Francesca Dobbyn, Executive Director of United Way of Bruce Grey.

Addressing a Growing Need

With more than one-quarter (26.2%) of the local population aged 65 and older and many households earning below $72,500 annually, financial insecurity remains a significant concern in Grey and Bruce Counties.

Many seniors with low-income rely on programs such as Old Age Security (OAS) and the Guaranteed Income Supplement (GIS), yet barriers such as program complexity can prevent them from accessing available government supports.

“These webinars are about helping seniors understand financial strategies for retiring better when faced with no other option but to retire low-income,” said Jill Umbach, Bruce Grey Poverty Task Force. “Join us to learn more, ask questions and access supports.” 

Community-Based and Accessible

Webinars will be hosted in-personat 11 community hubs:

  • South East Grey Community Health Centre (Dundalk and Markdale)
  • Beaver Valley Outreach (Thornbury)
  • Meaford Public Library (Meaford)
  • YMCA of Owen Sound Grey Bruce (Owen Sound)
  • M’Wikwedong Indigenous Friendship Centre (Owen Sound)
  • Ontario Disability Support Program/Ontario Works (Owen Sound)
  • The Salvation Army (Wiarton)
  • Bruce County Public Library (Kincardine and Port Elgin)
  • Canadian Mental Health Association Grey Bruce (Hanover)

To find the details for each location and registration go to: Government Incomes for Seniors – United Way of Bruce Grey

About Open Policy Ontario

Open Policy Ontario is a social policy consultancy led by John Stapleton that focuses on research, analysis, and practical solutions to address poverty and income insecurity. The organization works to help governments, community agencies, and advocates better understand complex policy issues, particularly those related to social assistance, retirement income, and benefits systems. Open Policy Ontario

Bruce Grey Poverty Task Force Poverty Task Force

Press Release: Grey Bruce Community Volunteer Income Tax Program Returns Over $10.4 Million to Local Residents

Bruce Grey Poverty Task Force highlights growing importance of free tax filing as access to benefits expands

Owen Sound, ON — The Grey Bruce Community Volunteer Income Tax Program (CVITP) continues to be a critical tool in reducing poverty and strengthening income security across the region, returning more than $10.4 million in refunds and benefits to local residents in 2025. (CRA/CVITP Stats Can, 31 Dec 2025).

  • $10,440,800 was returned to residents in Grey Bruce for the year ending 31 December 2025. (Using an average of $3,100/tax return)
  • 17 CVITP registered organizations in Grey Bruce completed 3,368 tax returns ($3,100 average x 3,368 = $10, 440,800) 
  • 3 CVITP registered organizations in Collingwood and Wasaga Beach filed 108 returns ($3,100 average x 108 = $328,600). 

These returns unlocked vital federal and provincial benefits, putting money back into households and the local economy.

“Tax filing is one of the most powerful — and underused — poverty reduction tools we have,” said Jill Umbach, Bruce Grey Poverty Task Force. “When people file their taxes, they gain access to income supports that help stabilize housing, food security, health outcomes, and overall well-being.”

Real savings, real impact

Despite this impact, only a fraction of those eligible are currently accessing the program. In Grey Bruce, an estimated 41,400 people qualified for CVITP services in 2025, highlighting both the scale of need and the opportunity for growth.

In 2026, the eligibility income levels have increased to $40,000/1-person, $55,000/2 people, $60,000/3 people, $65,000/4 people, $70,000/5 people and more than 5 people/$70,000, plus $5,000 for each additional person.

Connecting people to essential benefits

Annual tax filing is increasingly required to access key government supports, including the Canadian Dental Care Plan and the upcoming Canada Disability Benefit. Following the announcement of the Dental Care Plan in 2025, Grey Bruce CVITP partners extended their services beyond the traditional tax season to help residents register and avoid missing out.

“Taxes are no longer just about refunds,” said Umbach. “They are the gateway to health care, disability supports, and income security — especially for people living on low or fixed incomes.”

Volunteers remain essential — even with automatic tax filing

While the federal government has announced plans for an Automatic Tax Filing pilot to start in 2027, the Bruce Grey Poverty Task Force stresses that community-based tax clinics will remain essential, particularly in rural areas.

Barriers such as lack of internet access, transportation challenges, housing insecurity, low financial literacy, and mistrust of government systems mean many residents still need in-person, trusted support to file accurately and access benefits.

“Automatic tax filing will help some people — but it will not replace the need for volunteers,” said Umbach. “Our communities rely on human connection, problem-solving, and year-round support that only local clinics can provide.”

Finding a free tax clinic in Grey Bruce

Free tax clinics are offered at multiple locations across Grey and Bruce counties, including libraries, community agencies, outreach services, and Indigenous organizations.

Residents can find a local Community Volunteer Income Tax Program clinic by calling 2-1-1, speaking with a community navigator or go to FreeTaxClinics.ca

Clinics are available for seniors, newcomers, people with disabilities, Indigenous community members, and individuals with low or modest incomes. Many clinics offer in-person appointments, and some provide year-round or outreach-based tax filing support.

Read more about the work of the Grey Bruce Community Volunteer Income Tax Program Network, hosted by the Bruce Grey Poverty Task Force, its research, tools and reports here.

Bruce Grey Poverty Task Force Poverty Task Force

Poverty Task Force Submission to Ontario’s Poverty Reduction Strategy

28 November 2025

The Bruce Grey Poverty Task Force contributed to the Government of Ontario’s consultation on its next Poverty Reduction Strategy. Read our submission to the Honourable Minister Michael Parsa, Ministry of Children, Community and Social Services. We also joined with over 200 agencies led by Maytree in an Open Letter recommending that Ontario’s next poverty reduction strategy commit to reducing the poverty rate to no more
than 7.5 per cent by 2030, representing a 50 per cent reduction over 2015 levels.

In Bruce and Grey Counties, poverty is not an abstract policy issue—it is a daily reality for thousands of residents who face rising living costs, stagnant incomes, and chronic housing shortages. As rural regions with aging infrastructure, limited transportation options, and a rapidly rising cost of living, Bruce and Grey Counties are experiencing poverty at levels far above what a prosperous province should accept. A bold, data-driven strategy is urgently needed.

Poverty in Ontario has risen significantly since 2020, and local conditions mirror—and often exceed—provincial trends. The number of residents unable to meet basic needs has accelerated sharply, particularly among groups facing systemic inequities, including Indigenous residents, lone-parent households, youth, newcomers, and people living with disabilities.

In Grey County alone, one in four children now lives in poverty, while Bruce County continues to see some of the highest child-care-cost-to-income ratios in rural Ontario, limiting parents’ ability to work or pursue training.

A new Ontario Poverty Reduction Strategy offers a critical opportunity to address the structural conditions that pull people into poverty—and trap them there—while strengthening the social and economic foundations of rural communities like ours.

The Bruce Grey Poverty Task Force and our United Way partners stand ready to support a community-informed, evidence-based provincial strategy that ensures everyone can live with dignity, access safe and affordable housing, secure stable employment, and receive the supports necessary to thrive.

The Government of Ontario can meaningfully alleviate poverty and build the social and economic infrastructure needed for the future prosperity of the province by: 

  1. Laying the groundwork for financial security, good jobs and strong rural economies
  2. Getting people housed and keeping them housed by expanding non-market affordable housing, investing in supportive housing, and strengthening renter and tenant protections
  3. Ensuring the sustainability of Ontario’s community services infrastructure to continue delivering the critical services that meet the unique needs of communities across the province

1. Laying the groundwork for financial security, good jobs, and strong rural economies

Income inadequacy is at the heart of persistent poverty in Bruce and Grey Counties.
Despite recent adjustments to ODSP, rates remain deeply insufficient—especially in rural regions where transportation, food, and housing costs are substantially higher than the provincial average.

  • A single ODSP recipient receives $1,408/month, yet the local living wage average rate is $24.60/hour, translating to a monthly income need far above current assistance levels.
  • Ontario Works (OW) rates remain frozen, providing just $733/month, significantly below the income needed for basic survival in any Bruce–Grey community.

These inadequate rates are reflected in skyrocketing local demand for food and income supports. In 2023–2024:

  • Food bank usage increased by over 40% across Bruce–Grey, with many food banks reporting record-high first-time users.
  • The cost of the Nutritious Food Basket rose 15–22% locally, outpacing income growth.
  • Nearly 60% of food-insecure households have employment income, underscoring that low-wage, precarious work is failing to keep families out of poverty.

Precarious work is particularly widespread in Bruce and Grey Counties, driven by tourism, agriculture, and seasonal employment. Many workers lack benefits, stability, or predictable hours—conditions that make it impossible to maintain long-term housing, childcare, or financial stability.

To ensure all Ontarians—including rural residents—have the means to live with dignity and participate fully in the workforce, we urge the Government of Ontario to:

  • Raise ODSP and OW rates to livable levels and ensure annual cost-of-living indexing for both programs.
  • Increase the provincial minimum wage to match regional living wages, recognizing significant cost-of-living differences across the province.
  • Remove punitive financial barriers during transitions to employment, including temporary continuation of benefits and earned-income exemptions that prevent the “poverty trap.”
  • Invest in rural employment supports, including transportation solutions, digital access, and regionally tailored training geared toward economic diversification.
  • Build pathways to stable, well-paying jobs, especially for youth, newcomers, and individuals facing systemic barriers.

2. Getting people housed—and keeping them housed—through expanded non-market housing, supportive housing, and stronger tenant protections

Housing affordability is the most urgent and rapidly worsening crisis in Bruce and Grey Counties. Local data shows:

  • Average rents in Grey–Bruce have increased by more than 40–60% since 2019, with one-bedroom units now regularly exceeding $1,400–$1,700/month.
  • Vacancy rates remain below 1% in many communities—functionally zero.
  • More than 50% of renters are living in core housing need, unable to secure affordable, suitable housing.
  • Rural homelessness has grown dramatically, with both counties documenting sharp increases in chronic homelessness, encampments, and hidden homelessness.
  • Indigenous residents continue to face disproportionately high barriers to suitable, safe, and affordable housing.

Deeply affordable housing options are disappearing, while market rents climb far beyond what low-income households can manage. Local shelters, motels, and emergency systems are overwhelmed, and both counties continue to rely heavily on costly, short-term emergency accommodations without sustainable provincial funding.

To address rural housing need and ensure residents can both access and maintain stable housing, the Bruce Grey Poverty Task Force recommends that the Ontario government:

  • Invest substantially in non-market and supportive housing, recognizing the lack of private-sector solutions for deeply affordable units in rural communities.
  • Provide provincial surplus land to non-profit and co-operative housing providers, ensuring new developments are deeply affordable.
  • Create a provincial non-profit acquisition fund to preserve existing affordable rental housing stock before it is lost to private redevelopment.
  • Support rural municipalities with dedicated funding for housing project development, given limited in-house planning and development capacity.
  • Strengthen eviction prevention measures and ensure low-income renters have access to legal supports, arrears programs, and rent stabilization.
  • Fund Indigenous-led housing solutions, developed and delivered by Indigenous communities.
  • Expand emergency and transitional housing for women and children fleeing violence, recognizing the acute service pressures across Bruce and Grey.

3. Ensuring the sustainability of community services that rural residents depend on

Community agencies across Bruce and Grey Counties provide critical services—food access, housing stabilization, mental health supports, transportation assistance, harm reduction, settlement services, and more. Yet these organizations are under unprecedented strain.

Local realities include:

  • Historic levels of demand, particularly for food security, mental health, addictions, housing, and income navigation supports.
  • Chronic staffing shortages, worsened by low wages, job precarity, burnout, and lack of sustainable funding.
  • Rapidly increasing operating costs, with no corresponding increases in program funding.
  • Declining volunteerism and charitable giving—key pillars of rural service delivery.

The non-profit sector is a major contributor to the Bruce–Grey regional economy, but without stable provincial investment, the capacity of organizations to meet growing community needs is rapidly eroding.

We urge the Government of Ontario to:

  • Transition to long-term, stable, flexible operational funding that reflects the true cost of service delivery—including inflation and competitive wages.
  • Develop a province-wide nonprofit workforce strategy, addressing recruitment, retention, training, and wage parity.
  • Fund innovative rural service models, including mobile, outreach-based, hub-and-spoke, and co-located services.
  • Support initiatives to restore volunteerism and strengthen charitable giving, critical in rural communities.
  • Create a dedicated provincial home for the social services sector, improving coordination across ministries and systems.

In Conclusion

The Bruce Grey Poverty Task Force thanks the Government of Ontario for the opportunity to contribute to the development of the 2025–2030 Poverty Reduction Strategy.

Rural poverty in Bruce and Grey Counties is deepening and accelerating. A bold, measurable provincial strategy—grounded in evidence, equity, and community expertise—is urgently needed. We stand ready to work with the provincial government, municipalities, Indigenous partners, and community organizations to build a future where everyone in Bruce and Grey Counties has the resources, housing, supports, and opportunities they need to thrive.

Now is the time for coordinated action, sustained investment, and meaningful commitment to reducing poverty across all Ontario communities—including rural regions too often left behind.

Bruce Grey Poverty Task Force Poverty Task Force

United Ways of Ontario Call for the Province to repeal Schedule 12, Bill 60, the Fighting Delays, Building Faster Act, 2025

Ontario is at a critical point. Housing need is rising, homelessness is growing, federal investment is starting to move but new home construction is slowing in Ontario. The Province’s goal to create conditions for faster homebuilding, through predictable approvals and transit-oriented projects makes sense but decisions made now will set the course for years.

The legislative changes to the Residential Tenancies Act in Schedule 12 of Bill 60, move policy in the wrong direction and will serve to escalate the homelessness crisis across Ontario. They weaken security of tenure, speed eviction and narrow review windows. This is not a solution for people who are precariously housed and will level even greater pressure on municipalities and community agencies struggling to address need.

The focus should be on keeping people housed while new supply comes online. That means maintaining reasonable grace periods for arrears, ensuring tenants can raise legitimate health and safety concerns without undue barriers, preserving fair compensation and clear standards in no-fault evictions with consequences for bad-faith cases and keeping review and appeal timelines workable so disputes are resolved on their merits. These measures protect due process, prevent avoidable evictions, and steady the system as we build.

We join colleagues from across the community services sector in calling on the Province to repeal Schedule 12 of Bill 60 and commit to meaningful consultation with tenants, sector partners and municipalities on proposed amendments to the Residential Tenancies Act and provincial housing policies that impact tenants.

United Ways across Ontario partner with regional and municipal governments and are ready to work with the Province to keep people housed while Ontario builds the homes our communities need.

Please find a link to the statement on the UWGT website:  https://www.unitedwaygt.org/public-policy/united-ways-of-ontario-call-for-the-province-to-repeal-schedule-12-bill-60-the-fighting-delays-building-faster-act-2025/