In addition to the Ontario Autism Program (OAP), there are several other programs and financial supports that may be available to families raising a child with autism. Many families combine multiple funding sources to help offset the cost of therapy, supports, and day-to-day care.
Below is an overview of some commonly accessed resources in Ontario, along with how they are typically used.
Special Services at Home (SSAH)
Special Services at Home Program (SSAH) provides funding to help families support children and youth with developmental and/or physical disabilities in their home and community.
SSAH funding is intended to support:
- Skill-building and personal development
- Caregiver respite
- Community participation
- Activities that promote independence and safety
Families can use SSAH funding for a range of eligible supports, which may include hiring support workers, respite staff, or purchasing services that align with program guidelines.
SSAH is a separate program from the OAP and has its own application process and waitlist. Some families are approved for SSAH while they are waiting for OAP funding, and others use both programs together once OAP funding is in place.
Disability Tax Credit (DTC)
The Canada Revenue Agency administers the Disability Tax Credit (DTC), a federal non-refundable tax credit designed to reduce the amount of income tax a person with a disability or their supporting family member may have to pay.
For children with autism, the DTC can:
- Reduce the amount of income tax owed
- Allow access to other federal programs and benefits
- Be retroactively applied in some cases
A medical practitioner must complete a portion of the application form to confirm eligibility. Once approved, families may also become eligible for additional programs such as the Registered Disability Savings Plan (RDSP) and other federal benefits.
Insurance Coverage for ABA Therapy
Some private insurance plans provide coverage for ABA therapy or behavior therapy under extended health benefits.
Coverage varies significantly by insurer and by individual plan, but families may see ABA therapy covered under categories such as:
- Psychological services
- Behavior therapy
- Mental health services
- Allied health professional services
Important things for families to check with their insurance provider:
- Annual maximum coverage amount
- Whether a formal diagnosis is required
- Whether a treatment plan or referral is needed
- Whether services must be provided by specific professional designations
Even when partial coverage is available, insurance can meaningfully reduce out-of-pocket costs when combined with OAP or other funding sources.
Community and Non-Profit Supports
Many communities have local autism organizations, family resource centres, and non-profits that offer:
- Parent education workshops
- Support groups
- Recreational and social programs
- Summer camps or respite opportunities
- Navigation support for funding and services
These supports may be free or low-cost and can provide valuable connection and guidance for families.
Combining Multiple Funding Sources
It is common for families to use a combination of:
- OAP Core Clinical Services funding
- SSAH funding
- Insurance benefits
- Tax credits and federal supports
Using multiple sources can help create a more sustainable plan for accessing services over time.
Families should always confirm eligibility rules and allowable expenses for each funding source, as requirements can differ.
Final Thoughts
Raising a child with autism often means navigating several systems at once. While this can feel overwhelming, families are not limited to a single program or funding source.
Understanding what supports exist, how they differ, and how they can work together allows families to make informed decisions and build a support plan that fits their child’s needs and their family’s reality.
If you are unsure where to start, speaking with a qualified service provider or family support organization can help clarify options and next steps.
