Working While on Disability Calculator
Cross-provincial comparison tool: estimate how employment income may affect supported provincial disability payments. Results are scenarios before tax, not eligibility decisions. Ontario, British Columbia, Saskatchewan, and Alberta are supported today; more provincial calculators are being added over time.
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Programs you can compare here
Choose a province below to compare two employment income scenarios. Other provinces in the list link to guides or dedicated tools where we have them, without a cross-program estimate on this page.
- Ontario: ODSP
- British Columbia: PWD
- Saskatchewan: SAID
- Alberta: AISH or ADAP
More provincial calculators are being added over time.
Compare earnings scenarios
Select your province or territory, then enter current and expected employment income to see an estimated comparison.
How this estimate works
What this estimate includes
Provincial disability cash payment rules for the selected program: earnings exemptions, published reduction rates, and work-related benefits where modeled. Employment income you enter. Estimates are before income tax, CPP, EI, and other programs unless explicitly labeled.
What this estimate does not include
Income tax, CPP, EI, federal credits, rent, transportation, child care (except ODSP-approved deductions you enter), health premiums, asset limits, medical eligibility, or benefits from other programs. It is not an official government calculation.
Need a deeper province-specific estimate?
This page is best for comparing work-income scenarios across supported programs. Open a dedicated calculator when you need province-specific rules, deductions, and edge cases in more detail.
More provincial calculators are being added over time.
Ontario: ODSP
Ontario ODSP earnings rules, deductions, and deeper scenario detail.
British Columbia: PWD
B.C. PWD annual earnings exemption and runway scenarios.
Saskatchewan: SAID
Saskatchewan SAID living income and published exemption detail.
Alberta: AISH or ADAP
Alberta AISH and ADAP transition rules and clawback detail.
Working while on disability
Most provincial disability programs allow some employment income before your cash payment is reduced. Rules differ by province: monthly versus annual exemptions, partial exemptions, graduated clawbacks, and what happens to health benefits when cash assistance ends.
- Start with your program's official earnings rules; exemptions are not the same across provinces.
- A higher paycheque does not always mean less money overall; compare total monthly resources before tax.
- Health and supplementary benefits may continue after cash assistance reaches zero. Check your program.
Frequently asked questions
What does this calculator do?
It compares two employment income scenarios and estimates how your provincial disability payment and total monthly resources before tax may change. It is a scenario tool, not an eligibility test.
Which programs are supported?
Ontario ODSP, British Columbia PWD annual earnings exemption, Saskatchewan SAID earned-income exemption, and Alberta AISH or ADAP. Other provinces link to guides without a formula estimate.
What is not included?
Federal taxes, CPP, EI, the Disability Tax Credit, RDSP grants, Canada Disability Benefit, and non-disability programs. Use the dedicated calculators linked on this page for those topics.
How is this different from program-specific calculators?
Program-specific calculators own detailed rules for one province. This page compares current versus expected earnings across supported programs and links to those dedicated tools for depth.
Is this an official government calculation?
No. MyEligible summarizes published rules for planning. Confirm amounts with your caseworker and the official sources listed below.
Official sources
These estimates are based on official provincial sources linked below.
Ontario: ODSP
Last verified for this tool: 2026-09-05. Amounts may change.
Self-employment net earnings, business deductions, and complex household situations may differ. Student rules apply only to eligible full-time students.
British Columbia: PWD
Last verified for this tool: 2026-09-05. Amounts may change.
Uses projected annual earnings from steady monthly income and optional year-to-date amounts. Mid-year exemption proration and shelter costs are simplified.
Saskatchewan: SAID
Last verified for this tool: 2026-09-05. Amounts may change.
SAID reduction above the annual exemption is not published for automation. Enter your current payment; totals above the exemption are not estimated.
Alberta: AISH or ADAP
Last verified for this tool: 2026-10-07. Amounts may change.
Select AISH or ADAP stream. ADAP uses Alberta's published graduated clawback formula; transition top-up applies when moving from AISH. Couple rules assume both partners receive disability assistance.