Canada disability insurance

I am in Canada and here we have welfare or social assistance, unemployment insurance, disability and some churches will help you if your in need, I come on here though and keep seeing this WIC program, is it like welfare? a step up from welfare? or something completely separate, do you only have that assistance if you make under so much? it seems no one is ashamed of using it, here people would never mention they are getting assistance, I got pregnant at 16 and me and my husband fought tooth and nail so we never had to go on any assistance, I guess people assumed we would and we wanted to prove people wrong, he works full time and I part time. Anyway just curious, and also do others look down on those who get assistance for long periods of time and have kids? so the children need to be at risk of 'malnutrition'? we do get a child tax supplement, which is handed out to anyone who makes under $65,000 I believe never said you should be ashamed, just that commonly here people are, im all for programs to help families, I am certainly not wealthy enough to pass judgement, just noticed it seemed like alot of people are having kids and need this WIC, and thought maybe it was handed out to anyone. Also it's becuase I notice people on 'here' who obviously have a computer and internet, yet no money for food? if your at work and wasting time on here, then whatever, I also notice people here (canada) who drive nicer cars then I have ever owned and are on assistance, just curious what others defintion of 'needed it' were

I'm thinking of applying for a work visa for canada and was wondering generally, how expensive is health insurance? Obviously i'm not expecting quotes but after 22 years on the NHS paying for health cover is totally new to me and i have no idea as to how much these things can cost. Oh and im a healthy 22year old male w/ no allergies, medical conditions or disabilities. Thanks

My mom is on permanent disability and receiving benefits from her insurance company. She recently left me a message that said her insurance company wants her to apply for Canada Pension Plan and they will supplement it, but they (either CPP or insurance company...not sure) need my SIN number to proceed. I left a message for her asking for more details and that I thought this sounded very strange, but have yet to hear back. I love my mom, but she's done some shady things in the past and I don't completely trust her on this one, or if she's being honest, I don't trust the insurance company. What do you guys think?

I been suffering major depression and tinnitus for 2.5 years and still all of the treatments i was on were not sufficiently effective. However new treatment that is only available in America and Canada repetitive Trans-cranial Magnetic Stimulation has proved effective for both conditions.(Major Depression and tinnitus). The treatment has been FDA approved in America and is available to public and also it could be covered by government health insurance. Because the treatment is about 6000USD to 7500USD and i am on Disability support pension i would have trouble with financing the treatment. As an Australian citizen would there be any chance that medicare could even partially fund my treatment in America?

Hi, I am pregnant and feeling super sick. I found out two weeks after I went perm with my job. In three months, I will qualify for STD - short term disability but it mentions in my insurance policy binder that STD doesn't cover preexisting conditions. My carrier is Sunlife. Would pregnancy be considered a preexisting condition and exempt me from qualifying for STD? Any suggestions? Thoughts? Would be much appreciated. I live in Toronto, Ontario, Canada.

Hi, I am pregnant and feeling super sick. I found out two weeks after I went perm with my job. In three months, I will qualify for STD - short term disability but it mentions in my insurance policy binder that STD doesn't cover preexisting conditions. My carrier is Sunlife. Would pregnancy be considered a preexisting condition and exempt me from qualifying for STD? Any suggestions? Thoughts? Would be much appreciated. I live in Toronto, Ontario, Canada.

So I'm quickly approaching the point where the company that currently covers all my transition needs can give me the bump off if I don't do something. I'll be turning 21 in a mere two months and unless I give them sufficient proof that I have a pre-existing condition I'll be on my own for the cost of testosterone and visits to my counselor (aka my ticket to the head of the line for all transition resources)... Has anyone ever gone to their insurance company with G.I.D as a reason for them to continue coverage (Canada or Ontario in particular)? I'm technically on the plan still as a dependent of my father (it's his work coverage) which is why they boot you at 21 if you aren't in school full time (and I just graduated)... or at 25 if you are deemed worthy. I keep thinking I would only qualify if I had a really serious condition that required an excessive amount of care.... I don't think that of transitioning and feel like I'd be cheating to use G.I.D (and that I'd be buying into the "oh, I am ill" BS). I think it's meant for adult children who have conditions where they cannot care for themselves... like physical or mental disabilities... Would being trans keep me covered until I am 25? Also... would playing my "G.I.D card" now mess me up for personal insurance coverage later on in life? Would I be shooting myself in the foot? A million thanks for any information, suggestions, or stories on how you managed to beat the system (or even how the system caught you) while transitioning. A few hundred laughs in your face to the trolls, haters, and people who feel the need to tell me that being trans is "wrong".

I was diagnosed with cancer 4 years ago. I never returned to work because my doctor thinks that I have been too ill. Last year my employer called me up to tell me that they ceased my benefits because they changed insurance carriers. I lost my dental, medical, life and everything else. They gave me no notice...in fact, they told me 10 days after the insurance benefits terminated. I am working with a lawyer, and they are offering to pay me $10,000 for violating the code. They want met to sign a release and indemnity. I think I deserve more. I live in Canada. I am wondering if I should go to court or the Human Rights Tribunal. My lawyer is not fighting the way I need her to do. HELP... I was never terminated as an employee. I live in Ontario, ON. Canada.

Hi everyone! I'm a Canadian citizen and I've been living (and working) in Japan for over 2 years now... I was wondering about contributing into the CPP (Canadian Pension Plan). I read a lot about the pros and cons of both pension systems and it seems that the Japanese National Pension is not the way to go... that goes the same with the Japanese Health Insurance; but don't worry, I got private health insurance. As for applying for the CPP while living in Japan, will they require me to pay Canadian income taxes as well? Canada needs to know my income to calculate my CPP premiums right? So if I have to pay Canadian income taxes, wouldn't I be paying double taxes (Japanese and Canadian)? I also know of the accord that is now in effect between Japan and Canada that there is an agreement between the two countries about social security... but really, what does that mean? If I paid into the Japanese National Pension, can I transfer 100% of my contributions and my contribution years towards my CPP if and/or when I move back to Canada? Or does it mean something else? I'm getting married (to a Japanese) this summer, but my fiance and I are not sure if when we will move back to Canada... but we probably will eventually. Would this effect choosing between the Canadian or Japanese pension system? Unfortunately, as the reality of it is getting more obvious, both Canada's and Japan's pension system is on the verge of collapsing and I will probably not see a single cent or yen... but both systems do offer disability and death benefits that seem somewhat beneficial... like an insurance of sorts. Your thoughts and advice would be greatly appreciated! Thanks in advanced for your time! Cheers, Chris. Sparky: thanks for your help and giving me a summarized version of all that government mumbo-jumbo... give me a video game and I'll figure it out without the manual in no-time... but once it comes to retirement investments, taxation, red tape documents... I cringe and my stress levels instinctively sky rockets... Anyway... I guess I don't really have a choice then do I? Looks like I have to go through the Japanese system for now and *hopefully* if and/or when I do go back to Canada, I can transfer my contributions to the CPP. I heard the Japanese government is very strict with foreigners and that many expatriates had to fight to get what was rightfully theirs when they went back to their home country... And it's nice to know that there's still money left in the Canadian coffers to help me out when I retire too! Anybody else have any opinions or personal experiences?

What is your monthly or annual premium, how long have you had your insurance and have you needed to make a claim? Thank you. Please share whether you have personal insurance or group insurance (through your employer).

My husband has been on disability since January 2008. We just found out that we have disability insurance on our mortgage so we put in a claim. Can anyone tell me if the insurance has to pay back all or any of our mortgage payments for the past year or does it just start when you claim or is the a time limit? Any information would be helpful.

Would like to hear from people in Ontario Canada that have had success dealing with private insurance and disability. I am trying to prove my case of coccyx pain and disability. It is very real and doctor confirmed, yet I have been turned down by the insurance co. I am going to fight until I win, as this is something I now have to live with daily. Would like to hear any advice or tips from those that have also fought until they have won. Thank you

I have no idea why people think Canada is so great. I hate living here. The idea that there is free health care here is BS. I don't have health insurance, so I have pay for everything. I've been working with a broken finger for the last month that I can't chance having put in a cast since my employer will release me if they sense any disability. Canada sucks. I really hope that this country splits up since it is an overrated sh*t place with half a year of winter and people that have no convictions since they are afraid of having an opinion. Once again I hate living here, but it is so tough to get to the USA and obtain a green card. I'm thinking of packing it up and heading to Central America (i.e. Mexico, Dominican Republic). Do you have any suggestions? My life right now is worthless in this sh*t country.

http://news.yahoo.com/s/nm/20081120/od_nm/us_obesity_odd/print;_ylt=AjiFulq8Nl._QszERyujMkQZ.3QA Since the Supreme Court ruled the obese can have two seats for the price of one, how will that two seat ruling be instituted? If a large person simply feels a little "discomfort" in one seat but still basically fits, can he claim he needs two seats? If a person is obese due to a medical problem (glandular for example) why not just get a doctors opinion and get on disability or why not have insurance companies pay the extra seat? It seems unfair to me to penalize an air transport supplier...and I say this even though I feel they rob us continually.

I've been a nurse at multiple institutions in the U.S., including the world-renowned Mayo Clinic, and I can honestly say that most people do not get what they pay for, and many healthcare professionals are both overpaid and overworked, which leads to poor quality, expensive healthcare experiences for many patients. I've been shopping around for countries to move to, because my own healthcare is becoming too expensive (I have chronic cerebral vasculitis and an AVM, requiring several brain surgeries and am in the process of filing for bankruptcy for in excess of $100K that my private health insurance plan will not pay), and I need care, but if I stay in the U.S., I am going to have to file for disability and live off the government in order to get my care. My two jobs do not provide me with healthcare benefits, and I have reached my $750K lifetime maximum with my private health insurance plan, and will never be able to get private health insurance again - unless it is associated with a group healthcare plan with a full time job. My health is brittle enough that I'm predominantly only able to do per diem work. I need the flexibility to sit out from work for a few weeks if I have a bout with seizures. Though per diem work pays quite well, it's rare that it includes healthcare benefits. I've spent a great deal of time in Canada, the U.K., France and Italy, and they all have really phenomenal healthcare systems that are available to people regardless of their ability to afford or even find private health insurance. Many people who would otherwise not be able to work, because they need to be made impoverished to be covered by the government in the U.S., are able to work in these other countries. The current U.S. system seems to encourage capable workers to file for disability and "live off the government," because you have to be very poor in order to get government assistance for medical bills here. Why do people support this? I don't want to be forced out of work. I'm fully capable of working, but just under unusual conditions. Why not just set up a system where healthcare is covered by the government just like education, police, firefighters, military defense and tons of other services that people don't balk about having to pay taxes for? kathy069: As I've said, I've lived in Canada. Much of my family has moved there since the election of 2004. One of my significant others is based there. Their tax rate is not 50%, I'm sorry you have been misinformed on that. And their healthcare does exactly what it sets out to do: provide quality and thorough healthcare to everyone, regardless of their ability to pay, and regardless of their having private health insurance. I get my information from personal experience, not from the news. answer man: On the contrary. I've had brain surgery in both the U.K. and Italy (I have had 11 brain surgeries in 15 years), and in both cases, I was admitted immediately after having seizures, and received surgery within 8 hours of admission. That wasn't too long of a wait. It's terrible that you have been misinformed. Jen: I speak from experience. I am not talking out my ass here. Yes, it is true that in most countries with socialized medical care, there is a distinct shortage of primary care physicians (though that is becoming increasingly true here as well - they just don't make a lot of money anywhere), and so if you want a regular doctor, you have to wait. But if you have a problem that needs quick attention, you just walk into an E.R. in these countries, and you're in right away, and don't have an enormous bill (or one at all) afterward. It's true that cosmetic and unnecessary procedures are not covered by socialized healthcare plans, but they're not covered by our insurance here either. Everything that is medically necessary - even experimental treatments, have been covered by the government for my friends and family who live in Canada, the U.K., Italy and France. In cases where they do not have the capability to provide those procedures, those systems often send patients to the U.S. black leopard: You talk nonsense, and fear not - things are so bad in the U.S. that even the illegals are leaving in droves: http://online.wsj.com/article_email/SB122289829299095859-lMyQjAxMDI4MjAyMjgwOTI4Wj.html Personally, I don't think that it's worth wrecking an entire population that needs affordable healthcare in order to keep those pesky illegals from getting any care. As it stands right now, those illegals walk into any E.R. and they have to receive treatment, because of the COBRA antidumping Act of 1985. But it's unlikely that an uninsured illegal is going to pay for the services that they are required to receive, so guess who foots the bill? You and me and everyone else! But in the meantime, the rest of us who are legal and concerned about our credit have to worry about bankruptcy and poverty from our medical expenses. At least socialized medicine makes it so that *

You don't have to read all of this below... but it's some background so you can know where the question comes from: I've been a nurse at multiple institutions in the U.S., including the world-renowned Mayo Clinic, and I can honestly say that most people do not get what they pay for, and many healthcare professionals are both overpaid and overworked, which leads to poor quality, expensive healthcare experiences for many patients. I've been shopping around for countries to move to, because my own healthcare is becoming too expensive (I have chronic cerebral vasculitis and an AVM, requiring several brain surgeries and am in the process of filing for bankruptcy for in excess of $100K that my private health insurance plan will not pay), and I need care, but if I stay in the U.S., I am going to have to file for disability and live off the government in order to get my care. My two jobs do not provide me with healthcare benefits, and I have reached my $750K lifetime maximum, and will never be able to get private health insurance again - unless it is associated with a group healthcare plan with a full time job. My health is brittle enough that I'm predominantly only able to do per diem work. I need the flexibility to sit out from work for a few weeks if I have a bout with seizures. Though per diem work pays quite well, it's rare that it includes healthcare benefits. I've spent a great deal of time in Canada, the U.K., France and Italy, and they all have really phenomenal healthcare systems that are available to people regardless of their ability to afford or even find private health insurance. Many people who would otherwise not be able to work, because they need to be made impoverished to be covered by the government in the U.S., are able to work in these other countries. The current U.S. system seems to encourage capable workers to file for disability and "live off the government," because you have to be very poor in order to get government assistance for medical bills here. Why do people support this? I don't want to be forced out of work. I'm fully capable of working, but just under unusual conditions. Why not just set up a system where healthcare is covered by the government just like education, police, firefighters, military defense and tons of other services that people don't balk about having to pay taxes for? Michael I: I am both a patient with a chronic illness and a nurse. I have spent months at a time in Canada, France, the U.K. and Italy. They have superior healthcare systems. I worked at the Mayo Clinic. I watched foreigners come over and die, because they thought they would get superior care here. I speak from experience. I think for myself. Your condescension is noted, and not appreciated. I ask a question in genuine curiosity, not hostility. Please treat me with respect, and I will grant you the same. 8***L: So what if there are still private systems for people who can afford it? People who want to pay tons of money for FedEx, UPS and DHL have those options as well. What makes you think other systems are terrible? Why are Italy and France ranked number 1 and 2 by the WHO for their healthcare systems. Why is the U.S. between Costa Rica and Slovenia, at 37? Why is the U.S.'s infant mortality rate so high? Why is it that me, a capable worker, is being forced to file for disability, because no job will have me with my chronic illness which requires me to have weeks off at a time? If I work, I make too much to get Medicaid. So now I have to file for bankruptcy to get my unpaid medical bills discharged, and disability to get future bills managed. 3rd Party 2008: As I said, I am looking for other places to live. I don't think that prohibits me from asking the question, though. It's still a "mostly" free country. If I only had $900 to pay for shots, then that would be great. I pay for my $300/mo meds no problem. It's the $100K leftover from brain surgeries I've had in the past 4 years that I can't cover, and now have to file for bankruptcy to manage. asmith1022_2006: On the contrary, the Canadian and U.K. systems do exactly what they set out to do - give citizens access to adequate healthcare regardless of their ability to pay, and without their having to file for bankruptcy or go into debt to get their basic healthcare needs met. I call that a good system. I'm always amazed at how many Americans assume that socialized healthcare systems are horrible, but have absolutely no evidence to back that up. Paki88: You are a very wise 15 year old. I hope you use those smarts and that insight to change the world for the better. Sorry we've left it such a nasty place for you and your generation. We've been most irresponsible. Kimberly G: I completely empathize with you. Part of me is a little smug that because I have no other option, the option I have to take is actually forcing everyone to pay for my healthcare. People tell me they don't want to pay for my

Hi! I'm Canadian but I live in Philippines with my wife who is filipino. We are thinking of going in Canada and getting her a visitor's visa for that but the problem is she is pregnant and the Canada medical will not cover her medical expenses in less she is already a landed immigrant. I can't help her to become a landed immigrant yet because I'm disabled and will be awaiting my disability pension application approval after which I can sponsor her. My question is does anyone know of a way to get her medical coverage that would cover her even for the birth of the baby??? Thanks in advance for any help you can offer.

Hello, really need some answers here. I live in Canada so I am guessing I would need Canadians to answer this one. I had a break in and they stole a lot of hardwood, tiles and laminate flooring from me, as we were doing reno's ...they left all tools but just took the flooring and tons of 2x4's so I am guessing it is a contractor of some sorts. If it is over 5,000 worth of items if they catch the person could they go to jail? What about if it is under 5,000? Do they still go to jail or maybe get a fine or community service. The caculations are still being added up as to how much we are out. Just would like to know a bit about the law and if anyone has any suggestions on how to catch a thief I would love to know as my husband and I are out tons of money as we were not allowed to get insurance on the place because it had old wiring and it was in the middle of getting updated. I just can't believe that someone could do this. What are the chances they know me? My hubby just closed down his shop to stay at home and take care of me as I am on disability. Oh and the police station here found a finger print but guess what... they don't have the technology here to input the print into the system and a match comes up, we are so behind the times that we have to give them names and then they will do it manualy to check for a match. Can you belive this? In this day and time it should not be like that at all. So I have to think about who could have done this give them the name and go from there. Wow unreal is all I have to say. Any advice would be great, my heart will not stop aching as I feel so violated. Thanks.

I'm from the United States, Kentucky to be exact. My boyfriend/fiancee is from Ontario Canada on the borderline of the U.S. Anyway I receive SSI benefits(Supplemental Security Income) and my boyfriend receive disability in Canada. I also have a medical condition called Colitis, but I got my check because I attempted suicide at a young age. The problem is the relationship is starting to get serious and I have no idea what to do. This is my first love and it's been amazing, I could see myself marrying this person and having children together. The only thing stopping both of us is our checks, which is the only source of income each other has. If I move there I lose my check and the same with him moving here. We are both on medications that are expensive, but he gets more money with his check. The problem I'm having is whether to decide to leave it in god's has and move to Canada knowing he will provide for and trusting my heart. OR Do I keep my check, with health insurance Etc.... and terminate the relationship. ( Which I really do not want to do! We've been together for a long time.) P.S. Another factor I'm worried about is my mother, she's my trustee as of now, But can she stop me from moving to Canada? I need serious answers please, this is stressing me out and I love him to death. Thanks in advance for all the answers, I appreciate all the respectable ones. It's not that I'm lazy to get a job. I'm supporting my mother and 2 sisters on my income alone. If I was to work they would take a certian percentage away and we are barely living on end meat as it is. If you were in my situation what would you do go for love or stay for safety? I would lose my check if I moved out of the United States and/or worked a part-time job (with a job I would lose it all but a couple of hundred yes)

a friend of mine wants to move to the U.S. and she lives in Canada but she's also disabled and get disability checks. She wants to know if by moving here her disability checks and health insurance will no longer work for her or does canada have different rules?

Please find the mail I received for job confirmation in the below hotel, Hello Mon, Your mail is noted. We shall prepare and obtain an LMO(Labour Market Opinion) in your favour.Please note that for those who obtain the permit and are fully engaged by us, the following are benefits you will be entitled to: 1) Relocation allowances 2) Retirement plan 3) Tuition reimbursement 4) Medical, dental and life insurance coverage 5) Short-term and long-term disability 6) Flexible spending account 7) Paid time off 8) Tax free to the worker 9) Discounted associate rates at Linxus Hotels 10) $475 credit card to the worker [not in cash] at the point of entry and much more... We shall expect to hear from you as soon as you obtain your permit so we can arrange for your visa and travel arrangements.You are welcome to work with us! .As soon as you can confirm to us that you already have the permits to work in Canada, so make haste to obtain one.We will confirm your appointment and commence

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I understand the need to be assessed by the company (private insurance company in Ontario, Canada) and am willing to meet but not at my home. What are my legal options?

I am 3 weeks pregnant, I've not been to doctor yet. I don't have insurance, I believe I make too much for Medicaid. What do I do? Are there other programs out there? I saw where United Healthcare and others offer plans but after their high deductible and monthly payment fees, seems really high. Will I be considered having a "pre-existing condition?" Maybe I should apply for disability? Have it in Canada? I have no idea. Any insight would be helpful. Thank you!!! I have a job, they don't offer insurance (like most companies are doing now in the states) Also, I'm 35, this is my first, I'm not doing an abortion. There are some rude people here. My husband, doesn't have insurance either. This is why I posed the question to apparently some pretty insensitive people. Thanks for your insight.

my mom is undergoing surgery next week, and wont be able to return to work for atleast a month, and I need to know if there's any kind of un/employment disability insurance or something to help us pay bills...for southern ontario, canada?

I have been receiving both a Social Security Disability Income (SSDI) and a disability benefit from my private disability insurance company. Neither of which is taxable in USA. My personal income tax has been zero for many years. However, if I immigrate to Canada, how much of my income will be taxable there???

I am the benefits manager for a national furniture retail chain, The Home Centre, headquartered in Richmond, British Columbia, Canada. Most of the full-time employees who work for the chain pay into an employee benefits plan. This plan care, prescription drug coverage, and othe benefits. One of the most expensive benefits employees pay for is long-term disability insurance. Recently, your insurance provider, Cansafe, has informed you that due to the high numberof recent long-term disability claims, premiums for long-term disability insurance will have to rise substantially, on the order of 15 percent. For the average employee, this means an increase of more than $20 per month. I need to write a memo informing The Home Centre employees about the impending increase. Note: Most of the older employees, are big supporters of the long term disability insurance, the younger ones not as much.

Ok last political question...but I really want to understand this...because Canada isn't much different than the USA but nobody really sues one another here. I don't know if it's because we have insurance which covers us for a lot of things (ie Workman's Comp for injuries, private insurance, long term disability, auto insurance, etc. etc.) or what. But in the USA it seems you can't open your mouth without fear of being sued. Someone slips on your driveway and you're being sued. One child hits another, and parents sue....this is insane. Don't you think that somehow this has to change? That courts and judges need to make a point of dismissing ridiculous claims and banishing these money hungry lawyers who just profit off of people's miseries? I mean am I missing something here? Why is America like this? I mean if I would have sued for a kid slandering my daughter all over the internet the judge would have taken a strip off me for wasting his time with that nonsense.

your mortgage co refused to give you life insurance on your mortgage due to having the diagnosis of depression? Is this not a disibility thus falling under discrimination due to disability??

Disabled Canadians are in dire straits. The most you can receive from a Disability Pensions (CPP) is $700 a month except in "special cases", I dont know what those are. OR $500 from Welfare, NOT BOTH. Rent in most major cities, other than Regina, for a decent apartment is over $1000.00 a month. By decent I mean it has an elevator, is in a safe neighbourhood, is well maintained and you dont have criminals, drug dealers and hookers for your neighbours, no nightly shoot outs or stand offs. We pay more for food and gas in Canada then people in the US do. $5.486 for a gallon of gas in Canada. Many of us are totally dependent on our cars as we cant access or use public transit. $700 a month, assuming you receive maximum benefits is not enough to pay for rent, food, utilities, insurance, vehicle maintenance, gas, clothing, and other needs, including prescriptions that arent "covered" etc. I resent posters saying "there is no exuse to mooch off others", they dont live in Canada obviously.

I live in Ontario,Canada and have been disabled for 12 years now and I get Ontario disability as my income. I have no living family here except for my 2 kids who are 13 & 16 and would like to move to Davenport, Iowa next summer or early fall but I have no clue on how to go about getting a disability income there, or medical insurance etc. I do plan on getting married once I am settled there to my fiance but need to have some kind of income to support my kids and I and medical insurance to cover all my drugs. Please help ! The man I am marrying is also disabled and that is why I am asking what or if my options would be.

I am trying to find the site to download forms to fill out to apply for disability in Canada.

I live in Canada and I'm 56 years old and had a right leg amputation which ended my working. I'm on long term disability but my insurance company has not indicated how long this would continue. I have other health problems with my other leg and hands due to diabetias. I was just wondering if anyone else has gone through a similair situation?

Complaints of alien abduction, which were probally a technology oriented transit delusion, all came from the western US, especially the Mojave, and NW Mexico, and SW Canada. A few were reported in upstate NY in a forest-like area. One was reported in the UK. And why haven't we heard anything about people getting abducted by aliens for about 20 years? Do insurance companies have to pay for therapy for abductees? Does it qualify them for Disability?

Is there a Canadian organization besides Easter Seals, that helps fund disability modifications to a home in Ontario Canada? My son requires massive intervention in all areas, is on a 22 year wait list for a group home, and is highly active and destructive. He takes meds for obsessive/compulsive disorder, but this doesn't really slow him down. Last week he smahed a toilet, through a fridge into the basement, and tore a hole through a wall. The costs are astronomical, we've been told the province will care for him, but we have to sign away all parental rights in order to get him help...this is crazy, and we prefer to keep him in the home, where people with a vested interest in him can care for him. It's easier to place him into care, than to get in-house treatment, and help. We need a full bathroom renovation due to flooding(he turned the water on and damaged the floors and walls, my insurer says he will cancel my insurance if I file a claim, and without insurance, no mortgages.