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  • Financial Assistance for Older Adults

Financial Assistance for Older Adults

Federal tax programs and benefits, rebates or grants to help seniors stay in their homes longer, medical cost assistance, pensions, and more.

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Provides financial support to older adults living at home with ongoing care needs to pay for their unpaid caregiver. A primary caregiver could be a family member, friend, or neighbor. To enroll, both the care recipient and the primary caregiver must be eligible.

Once enrolled, the care recipients will receive between $250 to $1500 per month, depending on their household income. Once enrolled, no need reapply each year.

Note: Applicant is the care recipient. If the care recipient is unable to participate in the financial assessment due to illness, age, or another reason, an agent such as a family member or an attorney can act on their behalf.

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Short-term loan (up to three months) of home-use hospital beds including delivery, pick-up, and installation.
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Provides a one-time, lump-sum payment to the estate on behalf of a deceased CPP contributor.

If an estate exists, the executor named in the will or the administrator named by the Court to administer the estate applies for the death benefit.

If no estate exists or if the executor has not applied for the death benefit, payment may be made to other persons who apply for the benefit in the following order of priority:
  • the person or institution that has paid for or that is responsible for paying for the funeral expenses of the deceased
  • the surviving spouse or common-law partner of the deceased
  • the next-of-kin of the deceased
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Monthly CPP benefit for retirement pension beneficiaries found to be disabled but not eligible for a disability pension due to being CPP retirement pension beneficiaries for more than 15 months.

Applicants who have made sufficient contributions may be eligible for this benefit in addition to their retirement pension until they are 65 years.
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The Canada Pension Plan (CPP) retirement pension is a monthly, taxable benefit that replaces part of an individual's income when they retire.
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Provides a monthly pension to the surviving spouse or common-law partner of a deceased Canada Pension Plan (CPP) contributor.
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Provides Caregiving Benefits through Employment Insurance. Eligible caregivers could receive financial assistance of up to 55% of their earnings, to a maximum of $638 a week. These benefits will help them take time away from work to provide care or support to a critically ill or injured person or someone needing end-of-life care.

Caregivers do not have to be related to or live with the person they are caring for but they must consider you to be like family. There are three types of caregiving benefits:
  • Family Caregiver Benefit for Children: Providing care to a critically ill or injured person under 18 years (maximum weeks payable up to 35 weeks)
  • Family Caregiver Benefit for Adults: Providing care to a critically ill or injured person 18 years or older(maximum weeks payable up to 15 weeks)
  • Compassionate Care Benefits: A person of any age who requires end-of-life care (maximum weeks payable up to 26 weeks)

Eligible caregivers can receive benefits during the 52 weeks following the date the person is certified by a medical doctor or nurse practitioner to be critically ill or injured or in need of end-of-life care. Eligible caregivers can take the weeks of benefits within this timeframe either all at once or in separate periods.

The weeks of benefits can be shared by eligible caregivers, either at the same time or one after another.
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Provides financial assistance to seniors to help with eligible home repairs such as:
  • Roof repairs
  • Windows and doors
  • Furnace
  • Plumbing
  • Electrical
  • Heating
  • Structural or life safety repairs
Maximum grants are based on combined annual income:
  • $35,000 or less: $4,000
  • $35,001-$38,000: $3,600
  • $38,001-$41,000: $3,200
  • $41,001-$44,000: $2,800
  • $44,0001-$47,000: $2,400
  • $47,001-$50,000: $2,000
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Provides eligible seniors with funds to improve their home's accessibility.

Eligible work includes:
  • Accessibility improvements
  • Stair lifts
  • Grab bars
  • Ramps
  • Walk in shower
  • Hise rise toilet
Maximum grants are based on combined annual income:
  • $35,000 or less: $10,000
  • $35,001-$38,000: $8,400
  • $38,001-$41,000: $6,800
  • $41,001-$44,000: $5,200
  • $44,0001-$47,000: $3,600
  • $47,001-$50,000: $2,000
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Provides a monthly benefit to low-income widowed spouses who are not yet eligible for the Old Age Security (OAS) pension.
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