Living on less than $20,000/year in Canada

It is transparency time. My disability is mental; I was diagnosed with Bi-polar disease when I was 28 years old. I worked off and on up until going on disability, which is why I am capable of receiving Canada Pension Plan for the Disabled. I would not be able to receive CPPD if I had not worked.

Here is the breakdown,

From the Canada Pension Plan for the Disabled on my T4A (P) slip my taxable income from them (what I receive for myself) was $6,345.24 for the year 2014.  From CPPD I receive non-taxable income (what I received for my daughter) $2,768.69 for the year 2014.

 In total I received $9,113.88 from the federal government Canada Pension Plan for the Disabled.

On my T5007 slip from the Saskatchewan government box 11 for Social Assistance Payments, which is used for their Disability as well as their Employment Supplement, is a grand total of $2,124.48 for the 2014 year.

The breakdown was $1,556.08 for the year from Saskatchewan Assured Income for the Disabled and $568.40 for the year from Saskatchewan Employment Supplement.

Even though anyone between certain income brackets receive GST/HST and Child Tax Credit, I am going to add the amounts that I receive for them here to give you all the information of what I lived on in 2014 from the governmental offices in Canada as a Mentally Disabled person with one child living with them.

I receive a little more for Child Tax Credit because my daughter was born missing her left hand. She is 13 years old and while she gets along pretty well in life there are daily struggles that can cause extra expenses. As all parents with children who have disabilities are able to receive and qualify for.

Each month from January to May of 2014 I received $523.32, in June it went up to $523.48 and in July I started receiving $528.08. So I received just about as much from Child Tax Credit for my daughter as I did from my taxable income from CPPD. Child Tax Credit grand total for the year 2014 was $6308.56.

Each of us “poor” people gets a check back quarterly called GST checks. Some are GST/HST.

My grand total GST/HST checks each year come to $1,155.00.

We are now receiving the Saskatchewan Employment Supplement because my common law returned to work. Which was difficult for someone with a back that has broken disks, but you take what you can get, so he works a job part time at just above minimum wage; we survive. His wages just cover his expenses, including getting to and from work which is a 1 ½ drive each day, insurance for the vehicle, his bills, etc.

So Taxpayers of Canada my grand total, unless my addition is whacked, comes to $18,701.92 of your hard earned dollars I have had to use to live off of for the year of 2014.

In total, $11,238.36 came from Canada Pension Plan for the Disabled, from Saskatchewan’s Disability program and from the Employment Supplement in Saskatchewan.

I work hard at figuring out which brain altering drugs the doctors put me on which will help me feel “normal” and I work hard at building my self esteem/self worth enough to feel comfortable putting on a smile and greeting you each day at a Wal-Mart, McDonald's, Tim Horton’s or Salvation Army when I am able to return to work.

In the mean time I would like you to know we are also working hard at supplying our own food by growing a garden during the summer, we can and freeze fruits and vegetables so that the funds we do receive can go to purchases we need for my daughters school lunches, purchase ever increasing meat and travel once in a while to see my sons, daughter and grandchildren.

I do not live off the government to “get rich” nor to “stay lazy”. It is not a lifestyle I choose.

I am not just demeaned by strangers but by family members as well, which can make it even harder to build up that self esteem and self worth when chemicals in your brain are not working properly and you start to believe they are right because they are better than you. They are doing better than you, they are successful and they are happy, so why not just listen to them?

What “they” do not understand is that the lack of chemicals won’t allow you to listen to reason; the chemicals only allow you to hear that you are a failure, especially to those who are supposed to be there for you the most.

So when you do start to see a light at the end of the tunnel and someone pulls the carpet out from under you, the fall can be devastating.

While changes have been made in my life and I am back on the tracks I cannot guarantee the wheels will not fall off again, but I can only hope that they will stay on the tracks and while I keep plugging away and gain a forward motion I can only hope and pray I can become self sufficient once again. It would be nice to be able to buy something new without feeling guilt.

It is a struggle trying to live on less than $20,000 a year and much of the time I rely on my credit to get me through the month. 

I thank you for your understanding.