Are you unwilling or unable to support yourself and/or your dependents? Have you been found to be financially inadmissible? At Bellissimo Immigration Law Group PCwe can help!
Who is inadmissible?
Section 39 of the Immigration and Refugee Protection Act (IRPA) sets out that a foreign national may be found to be
inadmissible to Canada where they are unable or unwilling to support either
themselves or any dependents, and have not arranged for satisfactory
alternative care and support other than social assistance.
Notably, protected persons are granted exception
from the requirements of section 39, according to s. 21 of the Immigration and Refugee Protection
Regulations (IRPR).
Spousal Sponsorship and MNI
Sponsors must be aware that any receipt of social assistance may
become relevant in determining whether or not the foreign national they are
sponsoring is financial admissible. Subsection 133(1)(k) of the IRPR in fact states that an officer
shall not approve of a sponsorship application if there is evidence that the
sponsor was in receipt of social assistance at any time from the date of filing
of the application to the date the decision is made.
Minimum Necessary Income (MNI) thresholds have also been established
for individuals hoping to sponsor their parents or grandparents.
Determination
Process
Financial inadmissibility findings
are typically made upon review of evidence that support the foreign national’s
current financial situation, including:
bank
statements and bank books;
current
and past employment;
letter
of employment;
pay
stubs;
letters
of support and/or statutory declarations from friends or relatives attesting to
current financial situation; and/or
Notices
of Assessment.
Documentation demonstrating inadmissibility that may be relied upon
in determining inadmissibility may include:
evidence of dependence on social assistance;
benefit cheques;
cancelled receipts; and/or
statements from social service authorities.
For sponsorship applications, it is important to demonstrate that,
where the sponsor has received benefits for a disability (which is not
technically social assistance), that the applicant has not any associated
benefit from these disability payments as this would render the foreign
national inadmissible. The burden of proof remains on the applicant to establish
that they are willing and able to support themselves, and that there are
adequate arrangements for their care and support in Canada that do not involve
reliance on social assistance.
Establishing
MNI
MNI
thresholds are released on an annual basis by Immigration, Refugees and
Citizenship Canada (IRCC). They are developed using Statistics Canada’s
Low-Income Cut-Off (“LICO”). The MNI
thresholds vary depending on how many individuals are currently living in the
sponsor’s household (including the sponsor). They take this number and add the number
of family member(s) being sponsored in order to arrive at a figure that
represents how much income is required to provide the care and support for all
members of the household. Canadian citizens or permanent residents hoping to
sponsor their parent or grandparent must meet the MNI applicable to their
situation, plus 30% for each of the
three consecutive years preceding the date on which the application is
submission.
Sponsors typically provide their Notices of Assessment or “Option C
printouts”, T4s and other government-issued financial documentation to
show proof of meeting this threshold.
Note that sponsors must maintain or exceed the MNI throughout the processing of
the application. IRCC may reassess financial information at any point during
processing, from the time of the application until the permanent visas are
issued.[1]
Overcoming financial inadmissibility
Foreign nationals suspected
of being financially inadmissible ought to be afforded the opportunity to
respond to these concerns through a procedural fairness letter from IRCC. The
foreign national may also be scheduled for an examination interview, and/or may
be asked to provide evidence that they are no longer in receipt of social
assistance.
It is crucial that
documentation in support of a foreign national’s financial admissibility and
their ability to support themselves is provided to IRCC should a procedural
fairness letter be issued. When addressing financial inadmissibility, it is
often useful to draw upon particular factors pertaining to the foreign national
which support their likelihood of becoming economically self-sufficient once in
Canada. This includes by pointing to language proficiency and youth, which are
two of the most important factors in the economic success of immigrants as
determined through IRCC research. Work experience, skills, and education should
also be emphasized. Generally, it will not be sufficient to simply state that a
foreign national will find employment upon coming to Canada; credible proof and
supporting documentation should also be supplied. Finally, counsel ought to
invoke humanitarian and compassionate grounds as compelling reasons to overcome
any potential financial inadmissibility.
Please contact Bellissimo Immigration Law Group PC for further information and how we can help to address financial inadmissibility!
Very professional, fast response time.
Excellent service
Mark Rasmussen
1 month ago
I recently needed a consultation only with Bellissimo Immigration Law Group.
They were punctual and quite insightful as to my situation and thorough. I never felt rushed and also had a second colleague of theirs enter the consultation to confirm everything we had discussed. I will iuse them in the future. Spectacular.
Canadian Greeb
3 months ago
Nice law firm
Very nice staff
Slowly but surely
Carol
4 months ago
I had a truly excellent experience with Bellissimo Immigration Law Group. Keely is knowledgeable, warm, and incredibly detail-oriented, and Mario brings a wealth of experience and insight.
I was helping my son’s nanny navigate a very complex immigration situation. She had been living with us in Canada for three years when we began her permanent residency application. During the process, we discovered an issue with her original work permit application. While it was an honest mistake, we knew it could have serious implications and wanted to handle it carefully.
We consulted several immigration lawyers, and most advised that it would be a difficult case. Many suggested submitting an explanation and hoping for the best. The Bellissimo team also acknowledged the challenges but recommended a different approach — applying on Humanitarian and Compassionate (H&C) grounds. Mario had experience with this path and believed it would give us a stronger chance of success.
The application process was thorough and required a significant amount of work. Keely guided us every step of the way. In total, we submitted over 80 supporting documents, many beyond the basic requirements, to fully demonstrate our nanny’s life in Canada and her contributions to our family and community. Keely and Mario also prepared a comprehensive submission that tied everything together clearly and persuasively.
Due to COVID backlogs and changes in immigration policies, the process took several years. Throughout that time, the Bellissimo team continued to check in and monitor our file — they truly don’t just submit and walk away, which we really appreciated.
We are so happy to share that our nanny has now received her permanent residency. Looking back, I am convinced that their strategy, attention to detail, and dedication made all the difference.
I would highly recommend Bellissimo Immigration Law Group, especially for anyone dealing with complex or non-straightforward immigration cases.
Amanda Suckra
6 months ago
"When our spousal sponsorship was denied due to a large age gap, we felt judged and defeated. Bellissimo Law Group changed everything. Alexandra Goncharova and her team are absolute experts in these sensitive cases; they didn't just provide legal advice—they gave us our future back.
Alexandra was meticulous, fearless, and prepared us so thoroughly that our refusal was successfully overturned. If you are facing a complex appeal where the odds seem stacked against you, Bellissimo is the firm you need, Highest recommendation!"
Kenneth Perry
8 months ago
Bellissimo Immigration Law Group made a complex process feel clear and manageable. Their team was professional, attentive, and genuinely committed to helping me succeed. I always felt informed, supported, and in excellent hands. I’m truly grateful for their work and highly recommend them.
Nasir Khan (Nasikan)
8 months ago
I had an excellent experience working with Alexander on my IAD appeal. She guided us through every step with patience, clarity, and professionalism. The way she prepared us for the interview and handled the hearing was truly impressive. Our appeal was approved, and we’re extremely grateful for her hard work and dedication. Highly recommended!
James Christie
8 months ago
Lisa Fletcher
9 months ago
I am thankful that I was able to use the services of Bellissimo Law Group. Hannah, my immigration attorney, walked me through every step and answered every question I had. The process was made so much easier with her help and we achieved success! I am now a Canadian citizen! Thank you, Hannah and the team at Bellissimo.
Abeer Malik
9 months ago
My mother’s super visa was initially rejected when I applied on my own. However, with the help of lawyer Lijing Cao and immigration consultant Shuai Dong, her visa was successfully approved. They did an amazing job the entire process was seamless, and their communication was always prompt and professional. I highly recommend them 100%!
ARAFAT MUNSHI
9 months ago
Really helped me clarify a lot of things.
Nickeisha Delisser
10 months ago
I am deeply grateful to Bellissimo Immigration Law Group PC for assisting me during one of the most challenging periods in my life. When all seemed lost and there was a very high possibility that I might have to leave Canada, they took on my case with such care, professionalism and expertise. They guided me through the federal appeal process with confidence and compassion and secured approval for my permanent status in Canada.
As I have utilised other legal services before Bellissimo, I can assure you, where others fall short, they deliver.
AK
10 months ago
Very helpful and knowledgeable people. You do have to stay on top of things but overall I found them very supportive and involved in my case.
kala Mulqueeny
10 months ago
Mario Bellissimo and Keely Anderson are outstanding professionals. I couldn’t recommend them more and would give 6 stars if I could. My experience with them demonstrated to me why they are so consistently and highly ranked by their peers. I am a New York Attorney and Australian lawyer myself so can be harder to please with legal related services than perhaps others, but this firm was exceptional.
I was assisting a close friend with a Canadian visa application . From our first call with each of them they drilled down into the details of her case and gave more than the allocated time to truly understand the situation prior to providing advice. It was a complicated case and not unreasonably, they indicated the odds of success / failure of a successful visa application were even. But they assured us they would try their darndest to help ! Their experience was obvious and they imbued confidence in their knowledge of Visa law and procedures as well as how it practically operated within the IRCC.
We had previously contacted three other immigration agents all of whom indicated that without misrepresentating the situation, the odds of my friend getting a visa were very low. A fourth lawyer we had spoken to had recommended an honest pathway to applying, but was very hazy on strategy. We did not feel comfortable with any of them.
Bellísimo recommended we provide the IRCC with full disclosure and an explanation - which is how we proceeded. We then proceeded to comprehensively document the situation and received an extensive supporting legal advice to the IRCC from Bellísimo, which distilled the extensive evidence we were able to gather.
Although we understood there were no guarantees as to success, with Bellísimo lawyers’ guidance we felt rest assured that we ultimately submitted the best possible application and were honest in doing so.
Whilst initially I noted a discrepancy between the fees that the immigration agents charged and those that Bellísimo charged, there is no question that as lawyers, their fees were reasonable and the quality of the work they did was infinitely superior to those of the immigration agents. I definitively believe we got value for money and their fees were reasonable for the work and effort provided.
Ultimately the application was successful. We were thrilled.
We feel indebted to Keely and Mario for their assistance and unreservedly recommend them individually and their firm for outstanding immigration law advice.
Oleksii Yermolenko
11 months ago
Thank you for professional advice, which helped me to resolve my problem in short term and save thousands of dollars on medical expenses
Harold Bubu
11 months ago
I was referred to Bellissimo Law Group by my brother-in-law after my application was denied.
The team carefully reviewed my GCMS notes, identified the issues, and recommended pursuing a judicial review.
Thanks to their expertise and guidance, the outcome was positive. They later assisted me with the application, and I am now in Canada pursuing my studies.
I am deeply grateful for their professionalism and support throughout this process, they respond immediately and give you the answers to your worries, this is the part that every applicant wants during the process of their application and Bellissimo law group have it.
I will always recommend Bellissimo law group to anyone who has such problems.
HAROLD
Nicolas Nkomeje
12 months ago
I had the pleasure of working with Bellissimo on my application, and their professionalism and expertise made the entire process smooth and stress-free.
They provided clear guidance, were always responsive to my questions, and ensured all documents were accurate and submitted on time. Thanks to their support, my application was successful. I would highly recommend Bellissimo to anyone seeking reliable immigration legal services.
Milena Stoj
12 months ago
I'm so happy that I found Bellissimo Law Group. They did amazing job for me, I got my Super visa in such a short time, I couldn't believe. Thanks to their professionalism and experience they deserve highest marks for the job they do.
Hugo Sousa
1 year ago
The Best Immigration Law Firm in Canada!
We are forever grateful to Bellissimo Law Group for helping us achieve Permanent Residence in Canada. Our case was complex (so much so that other immigration professionals referred us directly to Mr. Mario Bellissimo, recognizing him as the top expert in the field).
From our very first consultation with Mr. Mario Bellissimo, we felt supported and confident. He provided a clear, honest strategy, and we retained their services immediately. By the end of the process, everything played out exactly as he had initially outlined.
We want to especially thank Lijing, Shuai, and all the other incredible team members who worked on our case and helped in any way (including David, Michelle, Michael, Justina and other support). Each one brought professionalism, compassion, and an unwavering commitment to our success. The legal team was always responsive, detail-oriented, and they genuinely cared about our situation.
Bellissimo Law Group is more than a law firm: they are your strongest ally in ensuring a successful immigration application. If they take your case, your chances of success are high. Whether your case is complex or straightforward, do not see hiring their services as an expense. Instead, see it as one of the best investments you can make in your future and peace of mind. They truly are the best of the best, and we wholeheartedly recommend them to anyone navigating any immigration process in Canada.
We are endlessly grateful to the entire team at Bellissimo Law Group!
Daryna Tymchenko
1 year ago
We are beyond grateful to Bellissimo Law Group for their exceptional service and professionalism throughout our permanent residency process. From the very beginning, their team demonstrated deep expertise, attention to detail, and a genuine commitment to helping us succeed.
A special thank you to Lijing and Shuai — working with them was an absolute pleasure. They were always responsive, knowledgeable, and guided us with patience and clarity at every step. It’s rare to find such a dedicated and experienced legal team, and we truly felt supported and confident throughout the entire journey.
Thank you again to everyone at Bellissimo Law Group. We wholeheartedly recommend them to anyone looking for trustworthy and results-driven immigration lawyers!!
Hatem Khalil
1 year ago
Isa
1 year ago
I called to get some information about booking a consultation in the near future and the receptionist was friendly and helpful. She answered all the questions that she was able to and send me information on the process. I have read all the great reviews and am confident that your law firm is what I need to make my sponsoring journey less of a nightmare for me lol.
Carol Connelly
1 year ago
We had a great experience with Bellissimo Immigration Law Group. We had a number of questions about medical admissibility for a study permit application, and Bellissimo seemed to have a lot of experience with medical issues. We scheduled a consultation, which was easy to set up. We got excellent and specific advice during our consultation with Keely Anderson, and at the end she encouraged us to apply on our own, as our case actually wasn't as complicated as I had feared. (I appreciated the honesty!) With the advice we received, we felt confident in our ability to complete the application on our own, and the study permit was approved.
Jo M
1 year ago
If I could write poetry, I would have written a poem for Mr. Bellissimo.
I want to thank you from the bottom of my heart.
Like others said, when you go into a consultation with Mr.Bellissimo and his team, you get real answers. Not guarded words. Not someone holding back until you hire them. Just sincere advice, shaped around what’s truly best for you.
In our first meeting, he brought up that I might be eligible for Legal Aid — something no other lawyer had even mentioned. And in the second, he paused and really looked at the full picture of my life — my teenagers, our challenges, our future. He gave me advice that actually went against his own benefit. He thought like a parent. He thought like someone who genuinely cares. That kind of integrity is rare.
I was so touched. Because in a world where most people lead with their own gain, he led with empathy and honesty. He truly put himself in my place — and guided me with heart.
I am so touched and I am forever grateful for you Mr.Bellissimo. 💛
Ellaine Camacho
1 year ago
I am incredibly thankful and grateful for the outstanding support I received from Bellissimo Immigration Law Group PC. My journey with them includes two major Immigration challenges and their expertise helped me overcome both successfully.
First case: Loss of Status in Canada. I lost my legal status in Canada 2019 and thanks to their guidance and dedication I was granted Permanent Residency under Humanitarian and Compassionate Grounds, March 2023. Their team handled my case with professionalism, compassion and deep legal knowledge.
Second Case: Refused Family Sponsorship (Dependent Child). My family sponsorship was refused November 2024 due to not meeting the Minimum Income Cut-Off. With their help I filed an appeal and it was successful, July 16, 2025! Now, I will soon be reunited with my child and I couldn't be more grateful.
The entire team is highly skilled, approachable and truly committed to their clients. I salute their outstanding service and unwavering support. Based on my personal experience, I highly recommend Bellissimo Immigration Law Group PC to anyone facing immigration challenges especially those involving Humanitarian and Compassionate Grounds.
Special mention and heartfelt thanks to Ana Martinez, Alexandra Goncharova, Keely Anderson, Simran Sra and Mario Bellissimo.
I am truly very satisfied with their service. Thank you, Bellissimo Immigration Law Group PC for helping me rebuild my life and reunite with my family. May God Bless You All!🙏
