Shelter allowance program — A Montreal CPA firm near you explains Legal and regulatory framework

SHELTER ALLOWANCE PROGRAM — A MONTREAL CPA FIRM NEAR YOU EXPLAINS
Legal and Regulatory Framework
In Québec, the Shelter Allowance Program is aimed at providing financial assistance to low-income individuals and families who spend a disproportionate amount of their income on housing. This program applies to homeowners, tenants, and boarders who meet specific eligibility criteria outlined by Revenu Québec. The program provides up to $170 per month to qualified individuals or families for the period from October 1, 2025, to September 30, 2026. The program is designed to reduce the financial burden of housing costs, making it easier for individuals to meet basic living expenses.
The Shelter Allowance is part of Québec's broader strategy to provide housing security and support for low-income households. The Société d'habitation du Québec (SHQ) funds the program, and Revenu Québec administers it through its tax and social benefits system. Eligibility for the allowance depends on several factors, including household income, the type of housing, and the proportion of income spent on housing.
Mackisen Strategy
At Mackisen CPA Montreal, we help clients navigate the application process for the Shelter Allowance Program and ensure that they are maximizing their eligibility for government support. We assist clients with:

• Assessing eligibility based on household income and housing costs.

• Filing the appropriate forms and submitting necessary documentation to Revenu Québec.

• Understanding the impact of the allowance on other tax benefits, such as the solidarity tax credit.

• Managing rental property records to maintain compliance with the requirements of the program.

• Applying for financial assistance to ensure your household receives all available benefits.
  Our goal is to help clients secure the support they are entitled to while ensuring they stay compliant with tax laws.
  How to Apply for the Shelter Allowance
  To apply for the Shelter Allowance, individuals and families must meet the following criteria:

1. Income eligibility: You must have a total income that does not exceed a certain threshold, which is adjusted annually.

2. Housing expenses: Your housing costs (including rent or mortgage payments) must represent a significant portion of your income.

3. Residency: You must be a resident of Québec and provide proof of occupancy.
   Applicants can apply through My Account for individuals or through the Société d'habitation du Québec. Documentation required typically includes proof of income (such as T4 slips), proof of rental or mortgage payments, and any other documents related to housing costs. It’s crucial to keep all documentation up to date and maintain it for a minimum of six years, as required by Revenu Québec.
   Types of Housing That Qualify for the Shelter Allowance
   The allowance is available for individuals in various housing situations:

• Tenants: If you rent your housing, you may qualify based on the portion of income spent on rent.

• Homeowners: If you own your home, you may still qualify based on mortgage payments and related housing costs (excluding property taxes).

• Boarders: Individuals who pay rent for a room in a shared accommodation may also qualify, provided their housing costs are significant.
  What You Need to Know About Shelter Allowance Payments
  Shelter Allowance payments are typically made on a monthly basis and are intended to directly offset housing costs. However, the amount of assistance you receive depends on several factors, including:

• Your household size and income.

• The location and type of your housing.

• The proportion of your income spent on housing.
  If you do not qualify for the maximum payment, you may still receive partial assistance based on your unique financial situation.
  How to View Your Shelter Allowance Information Online
  You can use My Account for individuals to check the status of your application and view your shelter allowance payments. Through this service, you can:

• Track your application status.

• View payment details, including the date and amount of the last payment.

• Check notices sent by Revenu Québec regarding the allowance.

• Verify any changes to your eligibility or payment schedule.
  Special Cases and Exemptions for Certain Restaurant Establishment Operators
  Some restaurant operators who are subject to mandatory billing measures may qualify for exemptions from the Shelter Allowance Program. These operators must meet specific criteria and provide evidence of their unique circumstances. If you are operating a business in the food service industry and wish to inquire about exemptions or relief options for your staff, Mackisen can assist with determining eligibility and completing the necessary documentation.
  How to Receive Shelter Allowance Payments
  Shelter allowance payments can be received through direct deposit or by cheque, depending on your preference. Revenu Québec will process payments promptly and ensure that you receive the full amount owed to you according to your qualification.
  Real Client Experience
  A family struggling with high rental costs in Montréal was unsure about their eligibility for the Shelter Allowance Program. Mackisen helped them gather the necessary documentation, apply online, and secure monthly assistance. Additionally, we advised them on how to optimize the use of this program alongside other provincial and federal benefits they were entitled to.
  Common Questions

1. Who qualifies for the Shelter Allowance Program?
   Individuals or families whose income is below a certain threshold and whose housing costs are a significant portion of their income may qualify.

2. How is the Shelter Allowance paid?
   It is paid monthly, directly to your bank account or by cheque, depending on your preferences.

3. Can homeowners apply for the Shelter Allowance?
   Yes, homeowners may qualify if they have significant mortgage payments and meet income requirements.

How do I apply for the Shelter Allowance?
You can apply online through My Account for individuals or by submitting the required documents to the Société d'habitation du Québec.
Why Mackisen
With more than 35 years of combined CPA experience, Mackisen CPA Montreal helps clients navigate complex tax programs, ensuring they receive all the benefits they are entitled to. We assist in applying for and maintaining eligibility for programs like the Shelter Allowance, while ensuring full compliance with all tax obligations and providing comprehensive tax planning advice.