Co-habitation, Relationships & Partner Income Rules

Understanding ODSP Spousal & Household Rules

Under ODSP regulations, eligibility and payment amounts are calculated based on the benefit unit (the combined household).

When an ODSP recipient moves in with a romantic partner, ODSP rules dictate when that partner becomes classified as a spouse for financial evaluation.

The 3-Month Co-habitation Assessment

• Roommates vs. Partners: Living with a pure roommate (where expenses are split and there is no romantic relationship) does not affect your ODSP status.
• The 3-Month Rule: Under ODSP policy, if you cohabit with a romantic partner for 3 continuous months, ODSP will evaluate whether you are living in a marriage-like relationship.
• Joint Financial Assessment: Once designated as a spouse, your partner’s income, earnings, and assets are combined with yours to determine household ODSP eligibility.

How Partner Income Affects Your Check

• Partner Employment Income: Your partner’s net earnings are subject to standard employment earnings rules ($1,000 exemption + 50% deduction rules).
• Partner Non-Employment Income: Pensions, EI, or disability benefits received by a partner are generally deducted dollar-for-dollar from the household check.

If ODSP attempts to classify a roommate or casual acquaintance as a spouse, you have the right to complete a Questionnaire Regarding Co-habitation proving financial separation and request an Internal Review.

Legal Rights Note