在家庭团聚类申请时，如果担保人在加拿大破产或依赖社会救济（残疾人的救济/福利不包括在内），那么是不符合担保要求的。

同时，如果被担保人在担保期内申请并获得社会救济，担保人必须负责偿还。

社会救济一般指地方或联邦政府，在满足基本生活需求方面提供的援助：

· food

· shelter

· clothing

· fuel

· utilities

· household supplies

· health care not covered by public health care (extra benefits paid by the government to low-income people or others in need)

社会救济不包括：

· Employment Insurance

· provincial student loans

· immigration loans

· subsidized housing

· tax credits

· child care subsidies

· public health care (services your province or territory gives to all people who live there)

· other benefits widely available to residents, including people who are working

COVID-19期间，联邦或地方提供的各种援助，也不被认为是救济.

退休人员领取的CPP和OAS、临时失业人员领取的EI，在担保移民时，均不被视为是社会救济。