logo
Alberta introduces plan to allow people with disabilities to work and receive benefits

Alberta introduces plan to allow people with disabilities to work and receive benefits

Yahoo04-02-2025
The Alberta government announced a new support program for people with disabilities that starts next year, but without releasing how much benefits will be.
The new Alberta Disability Assistance Program (ADAP) will start July 2026. It will co-exist with the current Assured Income for the Severely Handicapped (AISH), which will still be available for people who cannot work due to a disability.
"For those with a disability who can work, the supports offered through AISH fall short," said Jason Nixon, Minister of Seniors, Community and Social Services, on Tuesday.
"Those individuals will be much better served through a program that offers robust employment supports, generous earning exemptions, and ultimately a path toward greater independence."
The government hasn't released the financial details of the new plan nor the criteria that will be used to evaluate clients.
Nixon said the government needs to do more consultation before releasing those additional details.
About 77,000 Albertans receive AISH each month. The government said about 10,000 recipients have some form of employment but believe more would work if their benefits weren't clawed back.
A single person on AISH receives $1,901 each month.
Nixon said there will be a single application process for benefits. The government will decide what program to put an applicant in depending on their disability.
If an applicant becomes eligible for ADAP, they can reapply for AISH if their condition changes in a way to impede their ability to work.
No transparency
People currently on AISH will be evaluated to determine if they qualify for ADAP.
Those recipients still keep the health benefits they were eligible for under AISH, even when they make enough money through employment to no longer need monthly payments
Nixon said the province will increase supports for ADAP recipients to help them secure employment and get employers to offer more opportunities to people with disabilities.
Marie Renaud, the NDP opposition critic for community and social services, said the government is creating a second program to move more people off AISH using criteria that hasn't been disclosed to the public.
"What they've done is given themselves the ability to go through this list and say "you go there, you go there, you go there, you go there," when we know this process is not transparent," she said.
"People are waiting for months to even get a decision.The appeal process is not even accessible."
Renaud said Alberta doesn't have legislation to ensure workplaces are accessible.
She said people with disabilities have higher rates of unemployment and the government doesn't appear to have made the investments to change that.
Trish Bowman, the CEO of Inclusion Alberta, said the lack of details accompanying Tuesday's announcement could alarm people who rely on AISH. She said they have to be involved in consultations about the changes to avoid any of what she calls "unintended consequences."
"There will absolutely be apprehension from people as this goes forward that they may be moved off of AISH to a program that provides potentially a lower level of support," she said.
Orange background

Try Our AI Features

Explore what Daily8 AI can do for you:

Comments

No comments yet...

Related Articles

AC shouldn't be first line of defence in maximum temperature law, experts say
AC shouldn't be first line of defence in maximum temperature law, experts say

Yahoo

timea day ago

  • Yahoo

AC shouldn't be first line of defence in maximum temperature law, experts say

Air conditioners in every apartment shouldn't be the first line of defence against extreme heat, experts say, because there's not enough labour to install them in every building quickly, and there's an environmental cost to relying on them. Amid a heat wave in early July, Catherine McKenney, the NDP's housing critic and representative for Ottawa Centre, said they plan to bring a motion to Queen's Park this fall that would cap apartment temperatures at 26 C. "It's not only a question of should we do this — it's a question of can we do this?" said Jeffrey Siegel, a professor of civil engineering at University of Toronto whose work focuses on ventilation and sustainable buildings. As extreme heat events become more common due to climate change, some kind of maximum temperature regulation for rental properties is important to keep people safe, he agreed, but a requirement to install air conditioning in all regulated buildings would face practical hurdles. "One of the best things that we could do is avoid the need for air conditioning by retrofitting our buildings to make them so the maximum temperature is less of an issue," he said. Practical hurdles A shortage of skilled workers would slow the implementation of McKenney's proposed law, Siegel said. "I do this for a living, right? And I can't find a good HVAC contractor," he said. Even if there were enough workers, all those additional AC units could overload the grid, he added. But there are ways to cool an apartment by several degrees without AC, said Marianne Touchie, the Canada Research Chair in Sustainable Urban Housing and associate professor at the University of Toronto. Experts don't just measure the temperature of a space, they find its "thermal comfort" level, which is calculated by considering temperature, humidity, wind speed and solar radiation (whether or not you're in direct sun or shade). An apartment could technically be 28 degrees, but might feel like 26 degrees if it's in the shade, windows are closed and a fan is running, Touchie said, explaining that focusing exclusively on the temperature is "overly simplistic." Touchie's work focuses on retrofitting old buildings to find ways to "get a lot more out of them." Retrofit strategies to cool a space include: Adding overhangs, external shades or special coatings to windows to reduce solar radiation. Installing ceiling fans to promote air flow. Planting trees to provide shade. Replacing windows with styles that can open further for better cooling at night. Government stepping in Duncan Phillips, a retired air flow expert with the Guelph-based company RWDI, said even more strategies are available to developers working on new builds, which aren't restricted by existing infrastructure. "If we just spend a little bit more time in design and a little bit more effort during construction, we would save a fortune when it comes to actually occupying the building later on," Phillips said, as occupants wouldn't be paying to run the AC as often. "But if your job as a developer is just simply to get the thing built and flip it, you're unlikely to want to put a lot of effort into design and construction," he added, suggesting that the government provide incentives to developers to build with thermal efficiency in mind. Touchie also believes the government should introduce passive cooling regulations for buildings. "I think there needs to be some sort of legislation [that] you need to have these effective passive elements in your building as part of a retrofit before you're going the mechanical cooling route," Touchie said. It's essential, she said, because over-reliance on AC could worsen climate change. "We're using so much more energy to provide that mechanical cooling," she said. Siegel agreed, noting that when electricity demand reaches peak, "we have to turn on our dirtiest power plants or most expensive power plants." While passive cooling regulations would be more complex than requiring AC installation, they would be more effective in the long term, Touchie said. "If we really want to do this right, it requires a more nuanced approach."

I Asked ChatGPT If Trump's Tax Bill Will Affect Social Security Checks: Here's What It Said
I Asked ChatGPT If Trump's Tax Bill Will Affect Social Security Checks: Here's What It Said

Yahoo

time2 days ago

  • Yahoo

I Asked ChatGPT If Trump's Tax Bill Will Affect Social Security Checks: Here's What It Said

Social media has been buzzing with claims that President Donald Trump's new tax bill eliminates federal income taxes on Social Security benefits entirely. Sounds too good to be true, right? Find Out: Read Next: Well, I asked ChatGPT to break down what's actually in Trump's 'One Big Beautiful Bill' in regard to Social Security so we can see where we all stand. Spoiler alert: It's not quite the game-changer some people think it is. What ChatGPT Said the Law Actually Does According to our artificial intelligence fact-checker, Trump's new bill does not eliminate federal income taxes on Social Security benefits despite what you might have seen on your uncle's Facebook post. Instead, here's what it really does: Creates a temporary enhanced standard deduction: Seniors ages 65 and older can claim an additional $6,000 standard deduction on their federal income taxes from 2025 through 2028. But there's a catch — it phases out for individuals with modified adjusted gross income above $75,000 (or $150,000 for couples filing jointly). About 88% of seniors benefit: ChatGPT estimates that nearly 9 in 10 Social Security recipients will owe no federal income tax — not because their benefits suddenly became untaxed, but because their deductions now fully offset their taxable income. It's temporary, not permanent: This isn't a permanent suspension of Social Security taxes. It's a temporary and income-limited deduction — basically a workaround that avoids Senate budget rules. Be Aware: What It Definitely Doesn't Do ChatGPT was clear about the limitations: It doesn't repeal the taxation of Social Security benefits — Lower-income retirees already paid little or no tax anyway. Doesn't affect those under age 65, regardless of whether they receive benefits. Doesn't prevent future taxability after the deduction expires in 2028. How This Actually Affects Your Check Here's where it gets interesting. If you're 65 or older, earn below those income thresholds and it's between 2025-2028, your taxable income gets reduced — meaning less or no tax withheld from your Social Security. But your actual Social Security monthly payment doesn't increase. You're simply paying less federal income tax on the money you already receive. Think of it as keeping more of what you already get rather than getting more in the first place. After 2028? Unless Congress renews the deduction, taxes on benefits are likely to return to exactly where they were before. The Hidden Cost Nobody's Talking About This is where ChatGPT delivered some sobering news about the long-term consequences. Since taxes on Social Security benefits help fund the Social Security Trust Fund and Medicare, this deduction actually speeds up insolvency — by an estimated six to 12 months earlier than previously projected. The trust fund is now expected to run dry by 2033, down from earlier projections, partly because of this deduction. Without trust fund dollars, payroll taxes alone could still fund roughly three-quarters of benefits. But Wait, There's More (And It's Not Good) While the new tax deduction sounds like a win for seniors, there are some serious tradeoffs to consider. The Temporary Problem The extra $6,000 standard deduction for seniors 65 and older expires after 2028 unless Congress renews it. That means seniors could see their tax bills rise again in 2029, especially if they've adjusted their finances assuming this was permanent. It's a potential 'tax cliff' waiting to happen in just four years. Age Discrimination in the Tax Code If you're under 65 but receiving Social Security — say, for disability or early retirement — you get zero benefit from this deduction. Critics argue this creates age-based inequality even among Social Security recipients. For example: A 62-year-old on Social Security Disability Insurance gets no tax break, while a 66-year-old with higher income might save thousands. The Reality Check on Benefits The bill doesn't boost benefit payments at all. Your monthly check stays exactly the same — it only affects how much gets taxed. If you already don't owe taxes (about half of recipients), you get no additional help whatsoever. For many low-income seniors, this legislation literally does nothing. The Insolvency Acceleration This is the big one. Taxes on Social Security benefits help fund the trust fund, so reducing that revenue makes the system run out of money faster. The projection is now around 2033, possibly sooner. That could lead to future benefit cuts unless lawmakers make changes. Today's small tax break could result in tomorrow's big benefit reductions. Slightly High Earners Still Pay The deduction phases out at $75,000 for individual income or $150,000 for joint income. Seniors with savings, investments or pensions may not qualify — and may feel misled by messaging about 'no tax on Social Security.' It's not actually a full repeal of Social Security taxation. Many upper-middle-class retirees still pay tax on their benefits. The Reform Distraction Some critics argue this is a 'band-aid' policy that avoids the hard but necessary choices needed to fix Social Security long term. By offering a short-term tax break, it may reduce the urgency to create lasting solutions — like strengthening funding or adjusting payouts fairly. The Bottom Line According to AI ChatGPT's analysis suggests this legislation is more complex than the headlines suggest. Most critics view the deduction as a temporary, politically motivated measure that doesn't solve long-term funding challenges, complicates the tax system and offers uneven benefits to seniors. The AI warns that the real cost will likely be paid later — through higher taxes, fewer benefits or both. If you're 65 or older and have income under the limits, you'll probably pay less federal tax on your Social Security from 2025-2028. Your monthly Social Security check stays the same, but tax withholding may decrease or disappear entirely. Just remember: This is a temporary tax break, not a permanent repeal. After 2028, expect taxes on your benefits to return unless Congress acts again. Meanwhile, the Social Security trust fund will be depleted sooner, increasing pressure for reforms like raising the retirement age, cutting benefits or raising taxes. More From GOBankingRates Mark Cuban Warns of 'Red Rural Recession' -- 4 States That Could Get Hit Hard 6 Big Shakeups Coming to Social Security in 2025 The New Retirement Problem Boomers Are Facing This article originally appeared on I Asked ChatGPT If Trump's Tax Bill Will Affect Social Security Checks: Here's What It Said

President Trump Promised to End Social Security Benefit Taxes. Here's What Seniors Are Getting Instead
President Trump Promised to End Social Security Benefit Taxes. Here's What Seniors Are Getting Instead

Yahoo

time2 days ago

  • Yahoo

President Trump Promised to End Social Security Benefit Taxes. Here's What Seniors Are Getting Instead

Key Points The One Big, Beautiful Bill (OBBB) added a new $6,000 senior tax deduction. This will help many -- but not all -- seniors on Social Security save money on taxes. It's a far cry from the savings that would come from actually ending Social Security benefit taxes. The $23,760 Social Security bonus most retirees completely overlook › "Promises made, promises kept." That's how a recent White House article celebrated the One Big, Beautiful Bill's (OBBB) new senior tax deduction, set to take effect for the 2025 tax year. The Trump administration has claimed that, as a result of this change, 88% of seniors on Social Security won't owe any taxes on their Social Security benefits -- a follow-through on one of President Donald Trump's biggest campaign promises. It certainly sounds compelling, but as someone who's been writing about Social Security for years, it only took me one look at the data to realize that the OBBB change was far from an end to benefit taxes. The new deduction will help many seniors to a degree, but you need to understand what it is -- and isn't -- to know what kind of a difference it will make for you. How the OBBB senior tax deduction works The OBBB added a new $6,000 tax deduction for seniors 65 and older ($12,000 for married couples). This is on top of the standard deduction for their filing status, which the law also increased from $15,000 to $15,750 for single adults and from $30,000 to $31,500 for married couples, and the existing senior tax deduction ($2,000 for an individual or $1,600 per qualifying individual for a married couple). Tax deductions reduce the portion of your income you have to pay taxes on. For example, if you earned $50,000 this year and qualified for $15,000 in tax deductions, you'd only owe taxes on the remaining $35,000. So the OBBB change is definitely useful. It means you'll owe taxes on less money than you did before. That said, not everyone will be able to take advantage of this new deduction. Single adults with incomes over $75,000 and married couples with incomes over $150,000 will see their deduction decrease by $60 for every $1,000 by which their income exceeds these thresholds. Single adults with incomes greater than $175,000 and married couples with incomes exceeding $250,000 won't be able to claim the new deduction at all. So far, we can already see two key differences between the OBBB senior deduction and Trump's promise to end benefit taxes. Seniors under 65 receive no benefit from the OBBB deduction, even if they're on Social Security, and high earners who would have benefited from ending benefit taxes will experience no gains from this new change. But there's another big distinction to be made between Trump's promise and what he delivered. The tax savings fall far short of what Trump promised The OBBB senior tax deduction will give the average senior about $670 more in after-tax income, according to a Council for Economic Advisors report. But that's a far cry from the gains that would come from ending the benefit taxes that are still on the books, even after the OBBB's passing. Let's look at the example of a single 65-year-old who takes $50,000 from a 401(k) in 2025 and has annual Social Security benefits of $24,000. The government decides what percentage of your Social Security benefits to tax by looking at your provisional income -- your adjusted gross income (AGI), plus any nontaxable interest from municipal bonds, and half your annual Social Security benefit. In this case, that's $62,000. Then, it compares this amount to the following chart. Marital Status 0% of Benefits Taxable If Provisional Income Is Below: Up to 50% of Benefits Taxable If Provisional Income Is Between: Up to 85% of Benefits Taxable If Provisional Income Exceeds: Single $25,000 $25,000 and $34,000 $34,000 Married $32,000 $32,000 and $44,000 $44,000 Data source: Social Security Administration. Under Social Security benefit tax rules, 85% of their benefits would be taxable and get added to their AGI, bringing it to $70,400. So what does this mean for their taxes? The following table outlines this person's tax bill under pre-OBBB law, with the new OBBB standard and senior deductions in place, and in a scenario where the OBBB hadn't passed and benefit taxes were eliminated instead. Pre-OBBB Law With OBBB Senior Deduction If Benefit Taxes Were Eliminated 401(k) Withdrawals $50,000 $50,000 $50,000 Social Security Benefits $24,000 $24,000 $24,000 Adjusted Gross Income (AGI) $70,400 ($50,000 from 401(k) + $20,400 of SS benefits) $70,400 ($50,000 from 401(k) + $20,400 of SS benefits) $50,000 from 401(k) Standard Deduction for Single Filers $15,000 $15,750 $15,000 Senior Deduction $2,000 $8,000 $2,000 Taxable Income $53,400 $46,650 $33,000 Taxes Owed $6,662.00 $5,359.50 $3,721.50 Source: Author's calculations. In this example, the OBBB senior deduction and the increase to the standard deduction for all single filers would result in $1,302.50 in tax savings. However, eliminating Social Security benefit taxes would've saved $2,940.50 in taxes, even without the new deductions in place. So the Council of Economic Advisors' claim that 88% of seniors on Social Security won't pay any benefit taxes isn't accurate. The report says this is a result of "their total deductions exceeding their taxable Social Security benefits." But if we follow this logic, we could say that single filers who had $16,550 or less in taxable Social Security benefits in 2024 (equal to the $14,600 standard deduction for single filers plus the $1,950 senior deduction that year) didn't pay taxes on their Social Security benefits, when we know that's not true. If you have taxable Social Security benefits, you are paying taxes on them. The OBBB didn't do anything to change how benefit taxation works. An increasing number of seniors will encounter this tax as average benefits and living costs continue to rise. The OBBB's new senior deduction may provide a bit of relief, but it's a small gain compared to Trump's initial promise. It's also, for the moment, a limited-time offer. The law says it only applies until the 2028 tax year. Congress will have to decide whether to extend it for future years. Whether the government will actually end benefit taxes remains an open question. Many seniors want it to do so, but with Social Security facing insolvency, the program could really use the benefit tax revenue right now. However, if Congress makes broader changes to the program in the next few years to keep it sustainable for future generations, talk of ending benefit taxes may resurface. The $23,760 Social Security bonus most retirees completely overlook If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known could help ensure a boost in your retirement income. One easy trick could pay you as much as $23,760 more... each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we're all after. Join Stock Advisor to learn more about these Motley Fool has a disclosure policy. President Trump Promised to End Social Security Benefit Taxes. Here's What Seniors Are Getting Instead was originally published by The Motley Fool Sign in to access your portfolio

DOWNLOAD THE APP

Get Started Now: Download the App

Ready to dive into a world of global content with local flavor? Download Daily8 app today from your preferred app store and start exploring.
app-storeplay-store