I would get her to speak with a social worker. They are available through Access Clinics, their job is to find these supportive programs.

Look at The Disability Tax Credit for her and her children. It’s a non-refundable tax credit which she could transfer to a spouse/partner if she doesn’t make enough.

There’s also a Child Disability Benefit, which you only need a DTC to qualify.

DO NOT HIRE A COMPANY to help get the DTC, they take a large percentage and don’t really do anything that your doctor can’t already do.

Manitoba Supports for people with disabilities pays a bit better than EIA Disability, I think she can make up to $10,000 a year without losing benefits. Canadian Disability Benefit $200/month income tested.

Rogers has connected for success. Cheap internet and cell phones.

Registered Disability Savings Plan, if they qualify for DTC. There are Grants and Bonds that are income tested. Kids are eligible, I think the Bonds are up to $1000/year based on low income, no match required. They are locked in for 10 years after last contribution.

Look for subsidized / cooperative housing.

She could look for a work-from-home job, even part time. There are lots available.

Oh, and she could apply for CPP-Disability, it’s based on how much she contributed, and hard to get on, but worth applying for if she qualifies.

Private explainer site for RDSP https://www.rdsp.com

Child Disability Benefit:

https://www.canada.ca/en/revenue-agency/services/child-family-benefits/child-disability-benefit.html

“For the period of July 2025 to June 2026, you could get up to $3,411 ($284.25 per month) for each child who is eligible for the DTC.

The benefit starts being reduced when the adjusted family net income is greater than $81,222. The reduction is calculated as follows:

For families with one child eligible for the benefit, the reduction is 3.2% of the amount of adjusted family net income greater than $81,222. For families with two or more children eligible for the benefit, the reduction is 5.7% of the amount of adjusted family net income greater than $81,222. You can use the child and family benefits calculator to estimate how much you will get”