Living with a spinal cord injury (SCI) in Canada often brings significant extra costs—specialized wheelchairs, home accessibility renovations, adaptive vehicles, education, or daily living support. Thankfully, several disability grants, funding programs, and financial assistance options are available across the country. Below is a clear guide to some of the most valuable resources.
RAMQ Program for Assistive Devices for Physical Disabilities
In Quebec, the Régie de l’assurance maladie du Québec (RAMQ) covers the purchase, replacement, or repair of a wide range of assistive devices — including orthoses, prostheses, walking aids (canes, crutches), mobility aids (manual or power wheelchairs), and posture or standing equipment.
To qualify, you must be a Quebec resident insured under RAMQ and meet certain conditions, such as having a prescription or undergoing an assessment by a qualified professional. For example, a medical order is required if the diagnosis is not already listed in your medical file or if the maximum usage duration of a device has been exceeded. Devices and repairs can be obtained through approved hospitals, rehabilitation centers, or private clinics
Fonds 33 – MÉMO-Québec
For Quebec residents with a spinal cord injury, Fonds 33 provides one-time grants between $150 and $5,500. Funding can be used for assistive devices, home or vehicle modifications, education costs, health services, and social participation. Applications usually open in the fall, with approvals announced in the spring.
High Fives Foundation
The High Fives Foundation is a U.S.-based organization that also supports Canadians. It offers rehabilitation funding, adaptive sports equipment, and recovery programs for individuals injured in mountain sports or veterans pursuing adaptive sports.
Scholarships for Students with Disabilities
Spinal Cord Injury Canada (SCI Canada) coordinates several scholarships for post-secondary students:
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Copnick–Hilliard Scholarship – $1,500
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Sun Life Peer Support Scholarship – $1,500
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Kirby Rowe Scholarship – $1,000
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Thomas O. Parker Scholarship – $1,500
Other regional bursaries (such as the Lisa Huus Memorial and Donald E. Curran Scholarship) offer $500–$5,000 to help students with disabilities pursue higher education.
Federal Disability Funding Programs
Canada offers multiple nationwide supports for people with disabilities:
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Disability Tax Credit (DTC): Reduces income tax for those with severe and prolonged impairments.
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Registered Disability Savings Plan (RDSP): Allows individuals to save long-term with up to $90,000 in federal matching grants and bonds.
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Canada Disability Benefit (CDB): Launching in 2025, this program will provide an additional income top-up for Canadians with disabilities.
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Opportunities Fund for Persons with Disabilities: Provides funding for employment training, self-employment, and adaptive technology.
Provincial Disability Grants and Programs
Each province has its own income support and funding opportunities:
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Ontario: Ontario Disability Support Program (ODSP), the Home & Vehicle Modification Program (HVMP) (up to $15,000 lifetime), and Ontario Renovates (forgivable loans up to $25,000 for accessibility).
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Quebec: RAAP (Residential Adaptation Assistance Program) helps cover accessibility renovations at home.
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Alberta: AISH (Assured Income for the Severely Handicapped) provides monthly support and benefits.
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British Columbia: BC Rehab Foundation Grants and other accessibility funding help cover rehabilitation and adaptive equipment.
Equipment and Technology Support
Nonprofits and community-based programs can help cover the cost of adaptive technology and mobility aids:
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Neil Squire Society – Technology@Work: Funds assistive technology to support employment.
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Ability411 & BC Accessibility Hub: Databases of financial aid programs for mobility aids and accessibility projects.
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Veterans Affairs & Royal Canadian Legion: Provide disability grants and rehabilitation support for Canadian veterans.
Community Fundraising Options
Even with grants and government support, some expenses may not be fully covered. Many Canadians turn to crowdfunding platforms like GoFundMe to raise money for accessibility renovations, specialized wheelchairs, adaptive vehicles, or therapy costs. A well-organized campaign can help cover the gap and bring friends, family, and the community together in support.
If you or someone you know is living with a disability, explore these spinal cord injury funding programs and consider combining official grants with community fundraising—these supports can make a life-changing difference.
Please do not hesitate to contact us or give our coordinates to your occupational therapist or health professional, we also deal directly with your insurance provider directly if need be.