The Link Between Housing and Mental Health

At The Access Centre, we see every day how stable housing changes lives. A safe place to call home isn’t just about having a roof over your head. It’s about having a foundation for hope, healing, and well-being. 

Albert (name changed for privacy) came to the Access Centre with no connections to friends, family, or community. He had been houseless for over five years in the Okanagan and hadn’t had a place to call his own for more than a decade. Albert shared that most nights were filled with fear, unsure if someone might harm him or take advantage of a senior living on the streets. 

Our Community Law Advocate, Alex assisted with a supportive living application and conducted a vulnerability assessment interview, which was submitted to BC Housing. Albert shared that throughout his life, no one had truly believed him when he said he needed help—but at the Access Centre, we did.

With Alex’s support, Albert now has a home of his own, a doctor, psychiatrist, counselor, case manager, and access to all necessary medications. He continues to focus on his wellness and is excited to reconnect with family and friends, eager to show them the progress he has made.

When Housing Feels Uncertain, Everything Feels Uncertain

It’s important to remember that many people, just like Albert, are just one paycheck away from homelessness. It can take a car breaking down, an unexpected vet bill, or a sudden medical expense to push someone into housing instability. The latest Point in Time report published by BC Housing backs this up, showing that the top reason for housing loss is not having enough income (33% of unhoused respondents in Penticton).

When you’re worried about where you’ll sleep tonight or how you’ll pay rent next month, it’s incredibly hard to focus on recovery, employment, or connection. Housing instability often leads to chronic stress, anxiety, and depression. Even short-term periods without a home can deeply affect a person’s sense of safety, dignity, and self-worth.

It is very difficult to focus on anything bigger when even basic needs aren’t being met. Psychologist Abraham Maslow described human needs as a hierarchy — from the most basic (food, water, shelter) to higher-level needs like belonging, self-esteem, and personal growth.

When someone doesn’t have safe, stable housing, it’s nearly impossible to focus on anything higher up the pyramid. Without shelter, the mind is in survival mode. With stability, people finally have the space to breathe, recover, connect, and heal.

The Vicious Cycle

Poor mental health can make it harder to maintain stable housing and unstable housing can worsen mental health. Without support, people can become trapped in this cycle. It’s not about personal failure; it’s about the systems and barriers that make it difficult to get ahead once you’ve fallen behind.

Penticton and the South Okanagan, like most communities, simply don’t have enough affordable or supportive housing units. Waitlists can stretch for months or even years. During that time, people’s mental health often declines, making it even harder to stay stable or meet the conditions required for housing.

This is why it’s so important to see housing not just as an economic issue, but as a health issue.

When people have a place to call home, they have the space to breathe, rest, and plan for the future. We’ve seen incredible changes when someone finally secures safe, affordable housing:

  • Their anxiety begins to ease.
  • Their sleep improves.
  • They reconnect with family, community, and care.
  • They can focus on treatment, education, or work.

Simply put: housing heals.

How We Help

At The Access Centre, we walk alongside people through each step: from completing housing applications and connecting to rent subsidies, to advocating for accessibility and fairness. We also work closely with community partners, because housing stability is rarely achieved alone. With this team effort, we help people rebuild a sense of control and dignity.

We also help keep people housed, by connecting them with income supports that they are eligible for, and ensuring people know their rights as tenants.

What You Can Do

Our vision is a community where everyone has access to safe housing, the support they need, and the opportunity to thrive. Stable housing and mental wellness aren’t just individual goals, they’re community responsibilities. Everyone has a role to play in making this vision a reality:

  • Learn about local affordable housing initiatives and share resources with those who need them.
  • Support organizations that provide rent supplements, crisis support, or mental health services. Every contribution makes a difference.
  • Speak up about the need for compassionate, long-term housing solutions in your community and with local leaders.

If you or someone you know is struggling with housing or mental health challenges, please reach out. You don’t have to face it alone. Our team is here to listen, support, and guide you toward options that can make a real difference.

? The Penticton Access Centre
We’re here to help connect you with the support you need from housing and benefits to mental health resources and advocacy.

Visit us at www.accesscentre.org or call 250-493-6822 

Success Story: Community Advocacy

Written by Donna Ashcroft and Brittney Taylor, Oliver Community Advocates

“Adrian was faced with mental and physical health issues & a housing crisis, and he contacted our outreach office at The Access Centre for support. The most urgent issue was a landlord dispute & legal advocacy to not lose his RV pad rental.

Due to him having some mobility problems, Brittney and Donna made a site visit to meet Adrian at his RV to gather evidence and information to further understand the whole situation. They referred him to the Access Poverty Law Program for help to dispute the eviction notice. The dispute was successful and the final result was that he didn’t lose his housing.

Brittney and Donna also provided emotional support and connected Adrian with appropriate healthcare and social supports. After struggling along without any support for so long, Adrian was very grateful and his mental and physical health were greatly improved.”

Success Story: Family Law Program

Written by David Desautels, Family Law Advocate

** names have been changed to protect privacy**

Maria is married to Floyd, and they have two boys under 12 years old. Maria and Floyd had a good marriage until Floyd became aggressive and started to act erratically. It came to a point where Maria no longer felt safe, so she decided to leave her home with the kids and went to live with a friend. Maria did try to reconcile but the attempt was unsuccessful as Floyd became even more dangerous.

The Family Law advocate, David, met with Maria and explained her options. First step was to apply for Protection Order for her and her kid’s protection.

A provincial court judge granted the Protection Order. Once a Protection Order is granted, a copy of the Order is sent to the other party, the other party then has the option of applying to the courts to set it aside. A hearing is set, and a judge determines if the Order stays in place. In this case Floyd didn’t apply.

David prepared an Application about a Family Law Matter on Maria’s behalf requesting that Maria have the majority of parenting time as well as all of the parental responsibilities, and she wanted a child support order in place. She also asked that Floyd’s contact with the kids should be decided by her and the kids.

Again, Floyd did not respond to the Application, so David prepared an Application for a Case Management Order Without Notice, a court date was scheduled, and the Application’s requests were all granted by a judge.

Maria can now move on with her life, concentrating on raising her children in a healthy happy home. After one year of separation, she can apply for a divorce.

In this situation, there were many steps involved and each one requires a form to be completed, in some cases a very lengthy one. Without an advocate, Maria would have had to fill out the following forms and navigate the court system while raising two kids alone and without stable housing:

“Form 12-Preparing an Application About a Protection Order” -17 pages
“Form 3-Preparing an Application About a Family Law Matter” -49 pages
“Form 11-Preparing an Application for Case Management Order Without Notice or Attendance” -3 page form with 18 pages of Schedules

 

Success Story: Poverty Law Program

Written by Keleah Strack – Poverty Law Advocate

“We had a family who was served a 2-month eviction notice for landlord use of property. The landlord claimed that she needed the tenants to vacate because she wanted to move into the tenant’s rental property. The family scrambled to find a new place, put their belongings in storage and incurred debt.

The current rental vacancy rate in Penticton is 1.4% and in Summerland where this couple lived the vacancy rate is 1.2%. This means that people who are evicted are pushed into temporary housing in motels or vacation rentals. This can lead to multiple moves, little hope of settling down in a stable environment and sometimes homelessness.

After a few months in temporary housing, the family saw their old place listed for rent at an elevated cost. They realized that their ex-landlord had evicted them illegally to increase her monthly profit. They contacted our office for support and thanks to the online rental listing and landlord’s social media posts, the advocate was able to compile strong evidence for the tenancy hearing. They won and were awarded a monetary claim for 12 months of rent, the maximum penalty for this type of illegal eviction. This reward enabled the family to move forward and find permanent housing.

These 2-month notices have become common for landlords who want more money from their investments. They are difficult to fight because in order to prove bad faith the tenant often needs to vacate and wait 6 months before they can file for dispute. In that time, they scramble to find housing and incur costs related to relocation. They sometimes are forced out of their communities, away from their doctors, extended family and friends. We have seen people evicted with serious health conditions who have upcoming surgeries and other medical appointments they miss because they have to move 8 to 10 hours away where life is more affordable but less accessible.

Having assistance and support when disputing illegal evictions, like the two-month notice this family received, can have a big impact on tenant’s wellbeing. The process can be long and complicated but when tenants are successful, the financial reward can provide some relief. In this family’s case it led to more stable housing and debt repayment. These small wins also discourage landlords from illegal evictions and force landlords and tenants to become familiar with the BC Residential Tenancy Act.”

This Toronto doctor helps people get more money to improve their health

By Leslie Young  Global News

Posted May 19, 2019 6:00 am

A few years ago, a woman came in to see Dr. Gary Bloch at his family medicine clinic in Toronto.

She had “just terribly, terribly controlled diabetes,” he said. “Her blood sugar was literally through the roof, for many reasons.

“She ate terribly. But she ate terribly because she couldn’t afford food. She took her medication sporadically, but she took her medication sporadically because there were a lot of pressures in her life. She often couldn’t afford to get medication so just didn’t take them.”

The woman was starting to develop complications of diabetes — numbness in her feet, kidney problems, vision problems, Bloch said.

His treatment? Helping her improve her income.

Dr. Gary Bloch, of St. Michael’s Hospital in Toronto. Courtesy, Gary Bloch

Bloch and his team at the Academic Family Health Team at downtown Toronto’s St. Michael’s Hospital helped the woman apply for the disability benefits she was entitled to — just one of the services they provide. They also help patients do their taxes so that they get benefits like the Canada Child Benefit, and apply for programs designed to help low-income individuals, along with other social supports.

The clinic isn’t giving away money — these are government benefits that these patients qualify for – but helping people do the paperwork can make a big difference in their lives, and their health, Bloch said.

In this case, getting disability support meant that the woman had a steady source of income, he said, and was able to get some of her medications covered. “The change in her diabetes status was actually quite dramatic,” Bloch said. “Literally, her sugars came down by more than half. You talk to anyone who deals with diabetes and that is very, very unusual.”

Getting just a few hundred dollars extra per month leads to dramatic changes in his patients’ health, he said.

“Worlds open up. I know that sounds dramatic but it is absolutely what I see over and over again.

“Someone like this, they’re suddenly able to go rent a place, they’re able to buy food, they’re able to attend appointments with me and they’re able to often go to counselling.” All this improves their health, he said, allowing them to take medications regularly, eat better and take care of themselves.

From tent to apartment

Visiting Bloch’s clinic made a difference in Brian’s life. Brian, who lives in Toronto and didn’t want his last name shared for privacy reasons, used to be homeless.

He ran away from home at 14 and spent years moving around Canada, including 23 years living in a tent in B.C. and the Greater Toronto Area.

When he needed medical help, he visited the emergency room. One time, he said, “I got a ride out of Toronto as far as Highway 9 and 400, and I was on the on-ramp hitchhiking north back to B.C. and I had my third heart attack right there on the ramp.”

By the time he got out of hospital in Newmarket, he said, someone had slashed up his tent. He moved again, setting up at times near the Metro Toronto Zoo or the Ontario Science Centre as his chronic obstructive pulmonary disease began to give him trouble again. So he was back in the emergency room, this time in Scarborough.

Eventually, through referrals from various homeless programs, he got in touch with Bloch.

The clinic helped him get a prescription for his medications through a pharmacy, get funding for his special medical diet, get disability payments, counselling, and housing support. He also receives Old Age Security payments and the

Now in his 60s, Brian no longer lives in a tent.

“I’m styling here, I’m sitting on top of the world now,” he says of his one-bedroom apartment. He takes occasional work driving a bulldozer and has even reconnected with the family he left behind at 14.

How a community can deal with children and youth to help break the cycle of poverty

His health has improved, too.

“I haven’t had any trouble with my heart for a long time now. As long as I keep doing my pills and everything, it’s good.”

Although he still gets short of breath at times, his COPD is better, he said, and he no longer has angina pains.

Poverty and health

Income is very closely tied to health, according to Dennis Raphael, professor at York University’s School of Health Policy and Management. Low income is associated with a higher risk of “everything except prostate cancer and breast cancer,” he said.

Many cancersarthritisdiabeteskidney diseaserespiratory diseasestroke and more are all associated with income, he said. So is life expectancy — according to a Statistics Canada analysis of data from 2005-06, men in the richest Canadian neighbourhoods live almost five years longer than those in the poorest.

Being poor affects your concrete living conditions, things like food and shelter, Raphael said. “We could use some examples of crowding. We could use examples of mould, we could use examples of poor diet.

“Basically, when you are living under conditions of material deprivation, it does things to your body that make you more susceptible to disease.”

Scrounging for money is also stressful, he said, and chronic stress, day after day, takes a toll on your health. And some people deal with stress in a negative way — drinking, smoking, using drugs, or eating bad food, he said.

“I often say there is no better-studied epidemiological link out there right now than between poverty and poor health,” Bloch said. “I’m at the point where I wonder why people keep even looking at it because I think it is that well-proven.”

Many of his patients aren’t aware of the benefits they’re entitled to, or why they should file taxes even if they know they won’t owe any money, he said. “People basically face multiple levels of barriers, whether it’s health barriers, social barriers, educational barriers, literacy barriers. Just basic knowledge barriers of where to go.”

Many Canadians aren’t getting the money they’re entitled to, even when they do claim it. A 2014 report found that the government was sitting on hundreds of millions of dollars of uncashed cheques for tax benefits and refunds.

The Canada Revenue Agency is “promoting and raising awareness” of benefits and credits that can only be obtained through filing taxes, the agency wrote in a statement. “In 2017?18, the CRA sent letters to 300,000 lower-income Canadians who had not filed a return, informing them they might be eligible for benefits and credits which they are not receiving and encouraging them to file their returns,” the CRA wrote. Only 37,934 returns were filed as a result, they wrote, though these accounted for millions of dollars.

“I believe that a lot of people that are living on the street don’t know how to access this stuff because they’re in another world,” Brian said.

“The biggest problem with being homeless is they got no money,” he said.

Now that he has a bit, with support from Dr. Gary Bloch and Celia, a social worker at the clinic, “My life is completely changed around now.”

“I have family, (…) my cupboards are full. My fridge is full. You know, I don’t want for nothing. I have money for transit. It’s been a complete turnaround and I really put all of that back to St. Mike’s at 80 Bond St. and to Gary and Celia.

“If it wasn’t for them, who knows where I would have been right now? I might be dead, OK? And that’s no lie.”

 

Tax Volunteers for the Win

Here at the Access Centre, we offer FREE tax filing help and we are currently gearing up for this upcoming tax season. Though Revenue Canada is closed for E-filing this month, starting March 2nd and through March and April we will be in full force tax filing mode! Before the start of this busy tax […]

Employment Severance Dispute

A client came in stating he had been dismissed from his employment. The employer had given our client a small severance settlement. He had been there for 20 years. We advised our client not to sign the full and final settlement agreement employer had prepared. After some research by our law student, we believed our client was entitled to more severance monies then he had been given. We made a claim through the Employment Standards Branch and Small Claims Court. From attending Hearings for both claims we were successful in getting our client a satisfactory settlement. Our client was very satisfied and proceeded to give a donation to our Society.

Housing Success Story

Issue

Our client came to us with a notice to attend a Residential Tenancy Branch Arbitration Hearing. The client’s only source of income was Persons With Disability (PWD) benefits from the Ministry of Social Development and Social Innovation (Welfare).

Action

We attended the hearing with our client and were able to negotiate a suitable move out date for our client.  We also prevented the landlord from abusing the RTA guidelines by removing his belongings without having obtained the proper documentation.

Outcome

We were able to assist in making our client’s transition to a new accommodation a more pleasant and dignifying experience.