BLEED
A Guide to programs and services
for seniors in Ontario
ontario.ca/seniors
A GUIDE
TO PROGRAMS AND SERVICES
FOR SENIORS
IN ONTARIO
Seniors’ INFOline
1-888-910-1999 — TTY: 1-800-387-5559
A Guide to Programs and Services for Seniors in Ontario is your resource for
information about programs and services available to Ontario’s seniors. It is
produced by the Ministry of Seniors Affairs and distributed by ServiceOntario
Publications.
Additional copies may be ordered through ServiceOntario Publications by calling
1-800-668-9938 or online at www.ontario.ca/publications.
If you have suggestions about how to improve this publication, please ll out the
enclosed postage-paid business reply card and drop it in a mail box.
Information is current as of March 2018.
Regular updates to this guide will be posted on the Ministry of Seniors Affairs
website at www.ontario.ca/seniors.
Également disponible en français sous le titre Guide des programmes et services
pour les personnes âgées de l’Ontario.
© Queen’s Printer for Ontario, 2018
ISBN 978-1-4868-1532-6 (Print)
ISBN 978-1-4868-1548-7 (HTML)
ISBN 978-1-4868-1564-7 (PDF)
50M/17
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Simply put, seniors matter. They have given, and continue
to give, so much to our province. They’ve raised families,
helped build our economy and made their communities
better places to live. They’re our connection to the past,
but they’re also rmly xed on the future and on all the
possibilities it has to offer. We owe them a huge debt of
gratitude, and want them to remain healthy, independent
and actively engaged in life.
That’s where A Guide to Programs and Services for Seniors
in Ontario comes in, a free Ontario government publication
containing information on programs and services aimed at giving seniors the
best possible quality of life. Seniors, and their families and caregivers, will
want to keep this information close at hand for answers to questions about
a range of important issues, from accessing cultural, recreational and social
activities to preventing identity theft.
Our province’s seniors deserve our respect, and it’s our job as a society to
give them the opportunity to age with dignity, independence and choice. This
guide plays a vital role in helping create that supportive environment.
I hope you nd it useful.
Doug Ford
Premier
Premier of Ontario - Première ministre de l’Ontario
A MESSAGE FROM PREMIER DOUG FORD
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As Ontario’s Minister for Seniors and Accessibility, I look
forward to supporting positive aging for Ontario’s older
adults by encouraging active engagement and healthy
lifestyles in their communities. Our government respects
the contributions of, and challenges facing, seniors and
people with disabilities. That respect will be at the heart
of everything we do.
We know that Ontario’s seniors prefer to live
independently, with dignity and respect, in communities—
and that they may need timely access to services and
supports. That is where this guide to Ontario’s programs and services for
seniors comes in.
As a senior citizen myself, I am pleased to tell you that it provides clear,
accurate and up-to-date information on programs and services fundamental
to seniors’ well-being. This guide also makes it easy to nd out about and
access information on the wide range of government services available in
Ontario—everything from active living activities to health and wellness, from
caregiving to nances, from housing to transportation… and much, much
more.
In addition to this guide, I encourage you to visit ontario.ca and explore our
online guide to programs and services available in Ontario to help you lead a
safe, engaged, active and healthy life.
Raymond Cho
Minister for Seniors and Accessibility
Minister for Seniors and Accessibility - Ministre des Services aux aînés et de l’Accessibilité
A MESSAGE FROM MINISTER RAYMOND CHO
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Table of Contents
1 ACTIVE LIVING 1
Community Activities 1
Sport and Recreation 2
Travel 3
Employment 4
Lifelong Learning 6
Volunteering 7
Recognizing Seniors’ Contributions 8
Services for Newcomers 10
For Indigenous Seniors 11
For Lesbian, Gay, Bisexual and Transgendered Seniors 12
For Veterans 12
2 CAREGIVING 14
Tax Credits for Caregivers 14
Employment Benets 15
3 FINANCES 17
Taxes 17
Pensions and Other Benets 19
Financial Planning 23
Financial Assistance 24
For Veterans 25
4 HEALTH AND WELLNESS 27
General Information 27
Public Health 29
Ontario Health Insurance Plan (OHIP) 32
Ontario Drug Benet (ODB) Program 35
Dental Care 37
Assistive Devices Program 38
Ambulance Services 38
Regional Geriatric Programs (RGPs) of Ontario 39
Mental Health and Addictions 39
Fall Prevention 42
Nutrition 43
Hearing Care Counselling Program 44
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MedicAlert
®
Safely Home
®
44
Finding Your Way 44
Community Support Services 45
For Indigenous Seniors 48
For Lesbian, Gay, Bisexual and Transgendered Seniors 50
For Veterans 50
5 HOUSING 51
Home Adaptations 51
Financial Assistance Programs 51
Housing Options 53
Housing Options for Low-Income Seniors 55
Emergency Rental Assistance 56
Landlord and Tenant Relations 56
For Indigenous Seniors 57
6 LONG-TERM CARE HOMES 58
General Information 58
7 SAFETY AND SECURITY 63
Consumer Protection 63
Emergency Services and Public Safety 68
Legal Matters 70
End of Life 76
8 TRANSPORTATION 82
Driving 82
Alternatives to Driving 84
Buying or Selling Vehicles 85
Public Transportation 85
For Veterans 86
9 KEY CONTACTS 87
Government of Ontario 87
Government of Canada 88
Local Government 89
Community Safety 89
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1
0
ONTARIO GOVERNMENT I.D. 90
Ontario Photo Card 90
Driver’s Licence 90
Enhanced Driver’s Licence 90
Ontario Health Insurance Plan Health Card 90
To Change Your Address 91
11 INDEX 92
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1 ACTIVE LIVING
Community Activities
There are many ways to learn about cultural, recreational and social
activities in your community.
You can begin by contacting your local:
• community and seniors’ centres
• service clubs (such as the YMCA, Rotary Club or Royal Canadian Legion)
• cultural centres
• places of worship
• Parks and Recreation Department
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www.211ontario.ca
Public Libraries
Ontario’s extensive public and First Nations library services provide many
services to seniors and their families in a welcoming, accessible and friendly
environment. Along with lending books and other material, libraries provide
Internet access and training, reference material and workshops.
Ontario Library Services – North
1-800-461-6348
www.olsn.ca
Southern Ontario Library Service
1-800-387-5765
www.sols.org
Seniors Active Living Centres
Seniors Active Living Centres help local seniors stay active, become
more involved in their community and meet new friends. These centres
offer unique social activities, learning and educational opportunities and
recreational programs.
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Older Adult Centres’ Association of Ontario
1-866-835-7693
www.oacao.org
To nd a Seniors Active Living Centre, please contact your municipality or call
2-1-1.
Sport and Recreation
There are many health benets of being physically active, including improved
tness, strength and well-being. Regular exercise is an important part of
healthy aging. For tips about how you can increase your physical activity,
maintain good health and improve your quality of life visit:
Physical Activity Tips for Older Adults
www.publichealth.gc.ca/paguide
Canadian Physical Activity Guidelines
www.csep.ca
Ontario Senior Games
Also known as the Ontario 55+ Summer Games and the Ontario 55+
Winter Games, the Ontario Senior Games include multi-event provincial
competitions for older adults. Held every two years in alternating years,
these games allow adults 55 years and older to interact in an environment
that celebrates a healthy and active lifestyle.
Ontario Seniors Games Association
www.osga55plus.ca
Ontario Parks
Ontario’s provincial parks offer reduced camping and day-use fees to seniors
over the age of 65 and to persons with physical disabilities. Many Ontario
parks offer barrier-free facilities, including showers, washrooms, campsites
and visitor centres. The Park Locator at OntarioParks.com allows visitors to
search for parks with barrier-free facilities. Many campsites accommodate
recreational vehicles and may also provide electrical hook-ups and trailer
dumping stations.
1-800-ONTARIO (1-800-668-2746)
www.ontarioparks.com
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Fishing and Hunting
If you’re over 65 years of age or a Canadian resident with a disability, you
are not required to obtain an Outdoors Card with a shing licence tag to
sh in Ontario. However, you must still follow all regulations, including catch
and possession limits. If you wish to hunt in Ontario, you are required to
obtain an Outdoors Card and you must have a licence valid for the species
or group of species you are hunting. You are required to carry the licence
and any validation tags while you are hunting, and show the licence to a
Conservation Ofcer if asked to do so.
Ministry of Natural Resources and Forestry
Outdoors Card Centre
1-800-387-7011
www.ontario.ca/outdoorscard
Travel
Travelling in Ontario
Many of Ontario’s tourist attractions offer discounted rates for seniors, while
some offer programs with seniors in mind. Visit an Ontario Travel Information
Centre to learn more about Ontario’s attractions and to customize an
itinerary based on your interests.
Ontario Travel
1-800-ONTARIO (1-800-668-2746)
www.ontariotravel.net
Travelling Outside Ontario or Canada
If you are temporarily away from Ontario or Canada, OHIP may cover all
or a part of your health care costs. If you are travelling outside of Ontario
but within Canada and pay for health services, submit an itemized bill and
original receipts to your local OHIP ofce within a year for a refund.
If you are travelling outside of Canada, OHIP will pay a set rate for emergency
hospital and physician services for an acute, unexpected condition, illness,
disease or injury that requires immediate treatment. To cover medical
charges not paid for by OHIP, you should purchase private health insurance
for all trips outside of Ontario and Canada.
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If you are enrolled in the Ontario Drug Benet Program, you may receive up
to a maximum 100-day supply of medications. If you require a second 100-
day supply due to an upcoming extended absence from Ontario, provide
your pharmacist with a letter (written by yourself) conrming your absence or
provide a copy of your travel insurance showing that you are leaving Ontario
for between 100 and 200 days. Your prescription must allow for the extra
100-day supply.
Ministry of Health and Long-Term Care
Service Support Contact Centre
1-866-532-3161
TTY: 1-800-387-5559
www.ontario.ca/ruq
To learn more about OHIP or the Ontario Drug Benet Program, please see
the HEALTH AND WELLNESS section of this guide.
Retirement Abroad
The federal Department of Foreign Affairs and International Trade
publication Retirement Abroad: Seeing the Sunsets offers information
and tips for people thinking about retiring in another country either on a
seasonal or permanent basis.
Enquiries Service - Foreign Affairs Canada
1-800-267-8376
www.travel.gc.ca/travelling/living-abroad/retiring
Employment
In 2006, legislation ending mandatory retirement came into effect providing
greater fairness and choice for workers aged 65 and older who can now
decide for themselves when, and if, to retire.
Employment Ontario
Employment Ontario is an integrated employment and training network that
makes it easier for Ontarians to nd the employment and training programs
and services they need. Information and referral services are offered in 25
languages.
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Employment Ontario Contact Centre
1-800-387-5656
TTY: 1-866-533-6339
www.ontario.ca/employment
• Employment Service
The goal of Employment Service is to provide Ontarians with improved
access to all of the employment services they need in one location to help
them nd and keep a job, apply for training and plan a career.
• Ontario Job Creation Partnerships
This program is designed to improve the long-term employment prospects
of people eligible for or in receipt of Employment Insurance benets by
providing them with opportunities to gain work experience.
• Second Career
The objective of Second Career is to support eligible laid-off workers to
get the skills training they need to help them nd work in occupations
with demonstrated labour market prospects. The program offers up to
$28,000 for tuition, books, transportation and other training related
expenses. This amount may be higher for persons with disabilities.
Job Bank
The Job Bank is a web-based network of national job postings that are
available to all Canadians.
www.jobbank.gc.ca
Ontario WorkinfoNet (OnWIN)
OnWIN is a free, bilingual online web directory that provides Ontarians with
current and relevant career and volunteer opportunities and labour market
information. Seniors can use OnWIN to make informed decisions about
volunteer, employment and further training opportunities.
www.onwin.ca
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Ontario Skills Passport
This free, bilingual website provides descriptions of essential skills and work
habits, and current information about educational, training, volunteer and
labour market opportunities at both local and provincial levels.
www.ontario.ca/skillspassport
Employment Standards Act (ESA)
All Ontarians have the right to be treated fairly in the workplace. The ESA
sets out the minimum standards that employers and employees must follow.
If you are employed in Ontario, you are probably protected by the ESA.
Employment Standards Information Centre
1-800-531-5551
TTY: 1-866-567-8893
www.ontario.ca/employmentstandards
Internationally Trained Professionals
If you are an internationally trained professional, Ontario has a number of
bridging programs that could help you.
www.settlement.org
Lifelong Learning
Continuing and Distance Education
Many Ontario school boards, colleges and universities offer opportunities for
continuing and distance education. Some offer special discounts for seniors.
• School Boards: www.ontario.ca/rus
• Universities: www.ontario.ca/page/ontario-universities
• Colleges: www.ontario.ca/page/ontario-colleges
• OntarioLearn: www.ontariolearn.com
Third Age Network
This network consists of self-managed groups of seniors who share learning
experiences on a wide range of subjects.
www.thirdagenetwork.ca
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Independent Learning Centre
This centre provides distance education and General Educational
Development (GED) testing. It offers people an alternative way to get their
Ontario Secondary School Diploma.
1-800-387-5512
www.ilc.org
Computer Training
Public libraries run courses for beginners and for more advanced users.
Most courses are free.
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www.211ontario.ca
Seniors Active Living Centres offer educational programming that may
include computer training. To nd a centre near you, call 1-866-835-7693 or
visit www.oacao.org.
The Lifelong Learning Plan allows you to withdraw money from your RRSPs to
help pay for full-time education for you, your spouse or common-law partner.
Please see the FINANCES section of this guide for more information.
Volunteering
Ontario Volunteer Centre Network
This organization helps to bring volunteers and agencies together and acts
as the provincial voice for Volunteer Centres in Ontario.
www.ovcn.ca
Volunteer Canada
This bilingual, non-prot organization promotes volunteerism across Canada
by encouraging community participation and recognizing volunteer efforts.
1-800-670-0401
www.volunteer.ca
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If you would like to volunteer to help others complete their tax returns,
consider the Community Volunteer Income Tax Program run by the Canada
Revenue Agency. Please see the FINANCES section for more information.
Recognizing Seniors’ Contributions
Congratulatory Messages
You can mark a special occasion by requesting a congratulatory message
from:
Her Majesty The Queen for Canadians celebrating birthdays of 100 years or
more and for couples celebrating wedding anniversaries of 60 years or more
(at ve-year intervals).
Rideau Hall - Anniversary Section
1-800-465-6890
www.gg.ca (> FAQ)
The Governor General of Canada for Canadians celebrating birthdays of 90
years or more (at ve-year intervals) and for couples celebrating wedding
anniversaries of 50 years or more (at ve-year intervals).
Rideau Hall - Anniversary Section
1-800-465-6890
www.gg.ca (> FAQ)
The Lieutenant Governor of Ontario for Ontarians celebrating birthdays of 90
years or more and for couples celebrating wedding anniversaries of 50 years
or more.
www.lgontario.ca (> Contact & Info)
The Prime Minister of Canada for Canadians celebrating birthdays of 65
years or more (at ve-year intervals) and for couples celebrating wedding
anniversaries of 25 years of more (at ve-year intervals).
Executive Correspondence Services
Congratulatory Messages
613-941-6901
www.pm.gc.ca/eng/connect
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The Premier of Ontario for Ontarians celebrating birthdays of 80 years or
more and for couples celebrating anniversaries of 40 years or more.
www.ontario.ca/wp65
Your Member of Provincial Parliament and/or Member of Parliament for a
variety of occasions. For more information, contact the constituency ofce of
your local MPP or MP.
To nd your MPP:
Elections Ontario
1-888-668-8683
www.elections.on.ca (> Find Your Electoral District)
To nd your MP:
Elections Canada
1-800-463-6868
TTY: 1-800-361-8935
www.elections.ca (> Voter Information Service)
Awards Honouring Seniors
The Honours and Awards Secretariat manages Ontario’s medal and
recognition programs, as well as special commemorations and celebrations.
Provincial awards honouring seniors include:
• Senior Achievement Award recognizing Ontarians over the age of 65 who
have made outstanding contributions in any eld.
www.ontario.ca/uj97
• Senior of the Year Award is presented by each municipality in Ontario to
an individual over the age of 65 who has enriched the social, cultural or
civic life of the community.
www.ontario.ca/ruw
Annual Events
Don’t forget to mark these special dates in your calendar.
Seniors’ Month, celebrated every June in Ontario, is a time to recognize the
many contributions seniors make to their families, community, province and
country.
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1-888-910-1999
TTY: 1-800-387-5559
www.ontario.ca/seniorsmonth
National Seniors Day, celebrated on October 1st, honours seniors who have
helped build our country and continue to make valuable contributions to
society.
www.seniors.gc.ca
International Day of Older Persons, also celebrated on October 1st, is a
United Nations designated day recognizing the signicant contributions of
seniors around the world.
www.un.org/en/events/olderpersonsday
Services for Newcomers
Ontario is home to the largest percentage of immigrant seniors in Canada.
If you are an immigrant senior, there are many programs and services that
may be offered in your local community.
Newcomer Settlement Program
Through this program, provincial funding is provided to community agencies
that help newcomers settle and integrate in Ontario. These community
agencies help newcomers connect with language, job training and
community services, such as health care. Services are free and are often
available in multiple languages.
www.ontario.ca/p449
Settlement.Org
This website offers information and resources to help newcomers settle in
Ontario. Topics include employment, education, housing, health care and
recreation. Some of this information is available in multiple languages.
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www.settlement.org
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Ontario Immigration Portal
This portal provides information about what you need to know as an
immigrant to Ontario from before you apply to after you’ve arrived.
www.ontarioimmigration.ca
Learning English or French
Classes in English or French as a Second Language (ESL/FSL) are offered
through local school boards. A wide range of training is available, from
beginner to more advanced levels. Some school boards offer classes
specically for seniors. For more information, contact your local school
boards or visit www.ontarioimmigration.ca
The Language Instruction for Newcomers to Canada (LINC) program is
funded by the federal government. To nd a free LINC class near you, contact
a local immigrant-serving organization or Citizenship and Immigration
Canada. You must be a permanent resident of Canada to be eligible for this
program.
Citizenship and Immigration Canada
1-888-242-2100
TTY: 1-888-576-8502
www.servicesfornewcomers.cic.gc.ca
Some universities, community colleges, private language schools and
community organizations offer language classes, as well. Contact these
groups directly for more information.
For Indigenous Seniors
Aboriginal Artists in Schools
This program is part of the Ontario Arts Council’s Artists in Education
Program. It helps Aboriginal artists and Elders provide arts learning
experiences in Ontario schools.
Ontario Arts Council
1-800-387-0058
www.arts.on.ca
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Elder and Youth Legacy Program
This program was created to offer program funding to Aboriginal
organizations that wish to work with Aboriginal Elders and youth on a project
basis on all forms of contemporary or traditional arts practices. Through this
program, Aboriginal arts organizations help Elders pass on their legacy of
artistic practice to the next generation.
Canada Council for the Arts
1-800-263-5588
TTY: 1-866-585-5559
www.canadacouncil.ca
For Lesbian, Gay, Bisexual, Transgendered and
Queer (LGBTQ) Seniors
The 519
This downtown Toronto community centre offers a wide range of programs
and services, including the Older Lesbian, Gay, Bisexual, Transgender
and Queer (LGBTQ) program, which offers a weekly drop-in program and a
monthly book club for LGBTQ men and women over the age of 50.
416-392-6874
www.the519.org
Senior Pride Network
This network is an association of individuals, organizations and community
groups that are committed to expanding programs and services for LGBTQ
individuals aged 50+ in Toronto and throughout Canada.
c/o The 519
416-392-6874
www.seniorpridenetwork.com
For Veterans
Royal Canadian Legion (RCL) Ontario Provincial Command
The Ontario Command of the RCL has over 400 branches throughout the
province. Legions focus on remembering those who gave their lives for
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freedom and look after the needs of veterans, their dependents and those
still serving in the Canadian Forces.
1-888-207-0939
www.on.legion.ca
Royal Canadian Legion (RCL) Manitoba and Northwestern Ontario
Command
The Manitoba and Northwestern Ontario Command of the RCL comprises
over 150 branches, 30 of which are located in Northwestern Ontario.
204-233-3405
www.mbnwo.ca
The Memory Project
An ongoing initiative from Historica Canada, The Memory Project chronicles
Canada’s military participation from the First World War to the modern era.
This national bilingual archive houses an unprecedented collection of oral
interviews, digitized artefacts and memorabilia that tell our stories of service
and sacrice. If you would like to join the Veterans’ Speakers Bureau, the
Institute will coordinate classroom visits for you to share your story with
students at local schools.
The Historica-Dominion Institute
1-866-701-1867
www.thememoryproject.com
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2 CAREGIVING
Caregivers provide ongoing care to family members and friends who have
a physical, cognitive or mental health condition. Caregiving is not new, but
today’s caregivers provide more complex care for a longer period of time
than ever before.
If you are a caregiver, it’s important to know what your needs are and if there
are community supports available that can help you. It’s also important to
start talking early with your family members about what they want as they
age and to stress the critical role of legal and nancial planning.
In addition, you may want to learn more about home and community care
services that serve the needs of seniors, the frail elderly and others.
Local Health Integration Networks (LHINs) manage and deliver home
and community care. Your local LHIN can provide an assessment for an
individual who requires home care and explain options for care in the
community.
For more information about home, community and residential services
available to seniors, please visit www.ontario.ca/rux.
For information about community support services, please see the HEALTH
AND WELLNESS section of this guide.
Tax Credits for Caregivers
Tax credits may be available to the “supporting person” under the Disability
Tax Credit and the Medical Expense Tax Credit. As non-refundable tax
credits, these credits can reduce the amount of federal or provincial tax you
owe, but are not a cash benet.
In addition, you may be able to claim the Caregiver Amount if you are
maintaining a home for an eligible dependent relative. Unlike the Disability
and Medical Expense Tax Credits, this cannot be claimed if the person you’re
caring for is your spouse or common-law partner.
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If you have a dependent with a physical or mental impairment, you may also
be eligible to claim an additional $2,000 for the Family Caregiver Amount in
the calculation of certain non-refundable tax credits.
Canada Revenue Agency
1-800-959-8281
TTY: 1-800-665-0354
www.cra-arc.gc.ca/disability
For more information about tax credits, please see the FINANCES section of
this guide.
Employment Benets
Compassionate Care Benet Program
Caring for a gravely ill family member is one of life’s most difcult challenges.
Caregivers face many emotional, physical and nancial demands. During
this stressful time you should not have to choose between keeping your
job and caring for your family. Compassionate care benets are federal
Employment Insurance benets paid to those who have to be away from
work temporarily to provide care or support for a very sick family member
who has a signicant risk of death within 26 weeks. A maximum of six weeks
of compassionate care benets may be paid to eligible individuals.
Service Canada
1-800-206-7218
TTY: 1-800-926-9105
www.servicecanada.gc.ca/eng/sc/ei/benets/compassionate.shtml
Family Medical Leave
Even if you qualify for compassionate care benets, you want to be sure
that your employer will keep your job for you while you are away. Ontario’s
family medical leave allows you to take up to eight weeks of leave in a 26-
week period to care for certain family members who have a serious medical
condition with a signicant risk of death within 26 weeks. This leave is
unpaid, so although your job is protected, you won’t get paid while you
are away from work. If you do not qualify for federal compassionate care
benets, you may still be able to take an unpaid family medical leave.
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Employment Standards Information Centre
1-800-531-5551
TTY: 1-866-567-8893
www.ontario.ca/ruy
Personal Emergency Leave
Most employees have the right to take up to 10 days of unpaid job-protected
personal emergency leave every year. This leave can be taken in the case
of personal illness, injury or medical emergency and in the case of death,
illness, injury, medical emergency or urgent matter relating to certain family
members, including dependent relatives.
Employment Standards Information Centre
1-800-531-5551
TTY: 1-866-567-8893
www.ontario.ca/ruz
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3 FINANCES
Taxes
If you are a senior, there are many reasons why you should le an annual
personal tax return even if you have no income to report. For example:
• The Goods and Services Tax/Harmonized Sales Tax (GST/HST) credit, a
tax-free quarterly payment that helps offset all or part of the GST or HST
you pay
• refundable tax credits or grants that you may be eligible for even if you
have no earnings or have paid no tax
• pension programs that automatically renew when you le your tax return,
such as Old Age Security, Guaranteed Income Supplement, Allowance and
Allowance for the Survivor.
There are additional government income programs for older Canadians, but
you must apply for most of them. You won’t receive benets automatically.
Many programs use your income tax return to determine if you are eligible.
Filing your tax return by April 30
th
each year is the best way to ensure that
you are getting the benets you are eligible to receive.
Canada Revenue Agency (CRA)
1-800-959-8281
TTY: 1-800-665-0354
www.cra-arc.gc.ca
Filing Your Tax Return
You can prepare and le your tax return on paper or electronically. If you
send a paper form, include all of your information slips that show your
income and deductions, and keep a copy of your return for future reference.
If you le electronically, there are programs that can help you, such as
NETFILE. Tax packages are available at Canada Post outlets and Service
Canada ofces, or may be downloaded and printed from the CRA website at
www.cra-arc.gc.ca.
If you are entitled to a tax refund, the CRA will issue one. If you owe money,
there are a number of ways you can pay, including using the CRA’s electronic
payment service called My Payment. You can also pay through your bank or
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by attaching a cheque or money order made out to the Receiver General to
the front of your paper return when you le. If you choose this option, make
sure to include your Social Insurance Number on the back of your cheque.
Canada Revenue Agency
Telerefund: 1-800-959-1956
Payment Arrangements: 1-888-863-8657
TTY: 1-800-665-0354
If you are the executor of an estate, you are responsible for ling a tax
return for the deceased. For more information, please see the SAFETY AND
SECURITY (END OF LIFE) section.
“Learning About Taxes”
This free online course can help teach you how to prepare and le a basic
income tax and benet return. To access the course, please visit
www.cra-arc.gc.ca/educators
Community Volunteer Income Tax Program
Do you need help to complete your income tax and benet return? The
Canada Revenue Agency works with community organizations to connect
volunteers with eligible low-income individuals with simple tax situations
who need help preparing their tax returns. If you have a basic understanding
of income tax and you would like to volunteer for this program, contact a
participating organization in your community.
Canada Revenue Agency
1-800-959-8281
TTY: 1-800-665-0354
www.cra-arc.gc.ca/volunteer
Provincial Tax Credits and Benets
If you are a senior with a low-to moderate-income, you may be eligible to
receive the following:
• Ontario Trillium Benet (OTB) – The OTB combines the Ontario Sales
Tax Credit, Ontario Energy and Property Tax Credit and Northern Ontario
Energy Credit. Most recipients receive monthly OTB payments.
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1-866-ONT-TAXS (1-866-668-8297)
TTY: 1-800-263-7776
www.ontario.ca/trilliumbenet
• Ontario Senior Homeowners’ Property Tax Grant – Up to $500 for each
eligible household to help offset property taxes if you own your own home.
1-877-627-6645
www.ontario.ca/seniortaxgrant
• Low-Income Energy Assistance Program – Low-income customers can get
up to $500 in emergency assistance for your electricity bills ($600 if your
home is heated electrically) and $500 for gas bills.
Contact a social service or government agency
www.ontarioenergyboard.ca/OEB/consumers
• Ontario Electricity Support Program – The program provides low-income
consumers with a monthly on-bill credit to reduce their electricity bill.
The amount of the monthly credit will depend on how many people live in
your home and your combined household income.
www.OntarioElectricitySupport.ca
Caregivers may be eligible for the Tax Credit for Caregivers and other
benets. Please see the CAREGIVING section of this guide for more
information.
For information about property tax relief for seniors or people with
disabilities, please see the HOUSING section of this guide.
Your rights as a taxpayer
As a taxpayer, you have rights including rights related to service, which are
outlined in the Taxpayer Bill of Rights. These govern your interactions with
the Canada Revenue Agency (CRA). For example, you have the right to be
treated professionally, courteously, and fairly. As well, you have the right
to complete, accurate, clear, and timely information from the CRA. If you
feel your rights as a taxpayer are not respected, contact the Ofce of the
Taxpayers’ Ombudsman at 1-866-586-3839 or visit their website at
https://www.canada.ca/en/taxpayers-ombudsman.html.
Pensions and Other Benets
Contact Service Canada for information about the Old Age Security (OAS)
Pension program or the Canada Pension Plan (CPP). When you call, make
sure you have the number that appears on your OAS or CPP payment, your
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Social Insurance Number or the number on your Old Age Security card. If
you’d like to have your benets directly deposited into your bank account
each month, be sure to have the full number of your bank account when you
call. You can nd this information at the bottom of one of your cheques. If
you don’t have a chequing account, ask your bank for this information.
Service Canada
1-800-277-9914
TTY: 1-800-255-4786
www.servicecanada.gc.ca
Old Age Security (OAS) Pension
If you are 65 years of age or older and have lived in Canada for 10 years or
more after turning 18, you can apply for the OAS pension which provides
monthly benets to eligible Canadians. You don’t have to be retired to
receive the basic OAS pension, but you must apply for it. If you are a low-
income senior, you may be eligible for other benets as early as age 60. If
you lived or worked in another country that has a social security agreement
with Canada, you may be eligible for benets from Canada or from the other
country. For more information, see the section on International Benets in
this chapter.
Guaranteed Income Supplement (GIS)
If you are a low-income senior living in Canada who receives OAS pension
benets, you may qualify for the GIS as well. The amount you receive is
based on your annual income or the combined annual income of you and
your spouse or common-law partner. You must apply for this benet and
renew it every year, either automatically by ling an income tax return by
April 30
th
or by lling out a renewal form.
Allowance and Allowance for the Survivor
If you are receiving the GIS and your spouse or common-law partner (same
sex or opposite sex) is between 60 and 64 years of age, he or she can apply
for the Allowance. The Allowance for the Survivor can be claimed by a widow
or widower between the ages of 60 and 64.
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Other Benets
You may also be eligible for other programs, some of which are intended
for low-income seniors or for particular groups, such as veterans. Contact
Service Canada to nd out if you are eligible for a particular program.
Service Canada
1-800-277-9914
TTY: 1-800-255-4786
www.servicecanada.gc.ca
Guaranteed Annual Income System (GAINS)
GAINS is a provincial program that ensures a guaranteed minimum income
for qualifying Ontario senior citizens. To be eligible, you must be an Ontario
resident, 65 years of age or older who is receiving OAS and GIS benets, and
who has a total income below the level guaranteed by the province.
Ministry of Finance
1-866-ONT-TAXS (1-866-668-8297)
TTY: 1-800-263-7776
www.ontario.ca/gains
Canada Pension Plan (CPP) Retirement Pension
Most people over the age of 18 who work in Canada pay money into the CPP.
You and your employer each pay half of the contributions. If you are self-
employed, you pay both portions. It’s important to remember that you must
apply for CPP benets. You won’t automatically be enrolled when you turn 65.
Some people may qualify to receive CPP benets as early as age 60, while
the latest you can choose to begin receiving the pension is at age 70. The
amount you receive is based on how much you contributed and for how long,
as well as the age at which you start to receive benets. Income from CPP
benets must be declared on your annual tax return.
Service Canada
1-800-277-9914
TTY: 1-800-255-4786
www.servicecanada.gc.ca
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Disability Benets
If you are a CPP contributor under the age of 65 and cannot work because of
a disability, you may be eligible for monthly benets provided by the Canada
Pension Plan Disability Benets program.
Survivor Benets
CPP survivor benets are paid to a deceased contributor’s estate, surviving
spouse or common-law partner (same sex or opposite sex) and dependent
children. The death benet is a one-time payment to, or on behalf of, the
estate of a deceased CPP contributor. The survivor’s pension is a monthly
pension paid to the surviving spouse or common-law partner of a deceased
contributor. The children’s benet is a monthly benet for dependent
children of a deceased contributor.
Pension Sharing
Spouses or common-law partners (same sex or opposite sex) who are
together, who are both at least 60 years old and who are both receiving CPP
pension benets can share their CPP retirement benets. This may reduce
the amount of personal income tax that older couples pay.
International Benets
This program may provide retirement, disability or survivor benets to eligible
individuals who have lived or worked in another country, or to the surviving
spouse, common-law partner or children of eligible individuals.
1-800-454-8731
Employment Insurance (EI) Benets
If you wish to continue working after age 65 you are eligible for the same
EI benets as other workers in Canada. You must meet the qualifying and
entitlement conditions. The receipt of pension income does not prevent
you from receiving EI benets. If you return to work, accumulate enough
insurable hours and meet the entitlement conditions to set up a claim, your
pension income will not be deducted from your EI benets.
Service Canada
1-800-206-7218
TTY: 1-800-529-3742
www.servicecanada.gc.ca
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Financial Planning
Everyone should have a nancial plan. It’s never too late to get started. A
good plan will include your current and future living expenses, sources of
income, assets, tax planning, insurance needs and investments. You can
nd free guides on the Internet to help you get started or you can contact a
certied nancial planner. Elder planning counsellors specialize in working
with people 50 years of age and older.
Registered Retirement Savings Plan (RRSP) and Registered
Retirement Income Fund (RRIF)
Many people choose to privately save for retirement by putting money into
RRSPs. RRSP contributions are tax deductible and interest you earn in the
plan is tax free. Payments made out of an RRSP, however, are taxable. By
law, you cannot hold an RRSP beyond the last day of the year in which you
turn 71. A RRIF is a fund that provides income during your retirement. As
with an RRSP, a RRIF is an arrangement between you and a carrier, such as
an insurance company, a trust company or a bank.
Tax-Free Savings Account (TFSA)
This unique bank account allows you to set money aside tax-free throughout
your lifetime. Each calendar year, you can contribute up to the TFSA dollar
limit for the year, plus any unused TFSA contribution room from the previous
year. Your federal income-tested benets and credits such as OAS, GIS or
EI benets will not be reduced as a result of the income you earn in your
TFSA or the amount you withdraw from your TFSA. Contact your nancial
institution to learn more or visit www.cra.gc.ca/tfsa.
Lifelong Learning Plan
This plan allows you to take money out of your RRSPs to pay for training or
education for you or your spouse/common-law partner. When you withdraw
funds for this purpose, you have up to 10 years to repay the amount back
into your RRSP. Students must have completed an educational program
before the end of the year in which they turn 71.
www.cra-arc.gc.ca
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Other Types of Investments
Understanding different types of investment options will help you to meet
your goals in retirement. GetSmarterAboutMoney.ca is a website founded
by the Ontario Securities Commission (OSC) that provides unbiased and
independent nancial tools to help you make better nancial decisions. The
website is run by the OSC’s Investor Ofce and is a great resource to learn
more about GICs, mutual funds, as well as more complex investments.
www.GetSmarterAboutMoney.ca
Financial Assistance
Ontario Works
If you qualify, Ontario Works provides money to help cover the costs of basic
needs, such as food and rent. How much you receive depends on your family
size, income, assets and housing costs. Your local Employment and Social
Services ofce can provide more information.
www.ontario.ca/ru1
Home and Vehicle Modication Program
Run by the Ontario March of Dimes, this program provides funding for
basic home and/or vehicle modications so that people with mobility
restrictions can continue to live safely in their homes and participate in their
communities.
Ontario March of Dimes
1-877-369-4867 (press “2” to speak with an Intake Counsellor)
www.marchofdimes.ca
Ontario provides other programs to help seniors with mobility-related
disabilities or impairments live safely in their homes, including:
• Many qualifying expenses for the HHRTC are also eligible for provincial
and federal Medical Expense Tax Credits (METC).
o The provincial METC is calculated at 5.05 per cent of eligible
expenses in excess of the lesser of 3 per cent of net income and
$2,266 in 2016.
o The federal METC is calculated at 15 per cent of eligible expenses in
excess of the lesser of 3 per cent of net income and $2,237 in 2016.
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o Examples of eligible renovation expenses include: the purchase and
installation of ramps, widening halls and doorways, and lowering of
kitchen or bathroom cabinets.
o For more information about qualifying expenses under the METC, see
the CRA’s Income Tax Folio S1-F1-C1, Medical Expense Tax Credit
at: https://www.canada.ca/en/revenue-agency/services/tax/
technical-information/income-tax/income-tax-folios-index/series-
1-individuals/folio-1-health-medical/income-tax-folio-s1-f1-c1-
medical-expense-tax-credit.html.
For Veterans
Disability Pensions and Awards
Veterans Affairs Canada offers a wide range of services and benets to
eligible veterans and others. Disability pensions and awards are available for
conditions related to service in the Merchant Navy, Canadian Forces, Royal
Canadian Mounted Police or to those serving in support of the Canadian
Forces in wartime or in Special Duty/Operational Areas.
Veterans Affairs Canada
1-866-522-2122
www.veterans.gc.ca
Bureau of Pensions Advocates
This nationwide organization of lawyers within Veterans Affairs Canada
provides free legal help for veterans who are not satised with decisions
about their claims for disability benets.
1-877-228-2250
www.veterans.gc.ca/eng/department/organization/bpa1
War Veterans Allowance
This allowance is available to eligible low-income veterans of the Second
World War or Korean War. Surviving spouses, common-law partners and
orphans may qualify for this allowance if the deceased veteran or civilian
had the required war service.
Veterans Affairs Canada
1-866-522-2122
www.veterans.gc.ca
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Soldiers’ Aid Commission of Ontario
The Commission provides nancial assistance to Canadian and Allied
Veterans living in Ontario who enlisted and served in Canada and/or
overseas in the Second World War or the Korean War and to their spouses
or surviving dependants. One-time assistance is provided every 12 months
to resolve a specic problem. Funds can assist with the purchase of health-
related items (hearing aids, dentures, eyeglasses, etc.), home repairs,
moving costs or furniture, and assistive devices (wheelchairs, chairlifts, etc.).
Royal Canadian Legion - Ontario Provincial Command
1-888-207-0939
www.on.legion.ca
Veterans Affairs Canada
1-866-522-2122
www.veterans.gc.ca
Benevolent Funds
Benevolent Funds assist veterans, ex-service personnel and their
dependants. Applications can be made through a Veterans Affairs Canada
counsellor or your Royal Canadian Legion Provincial Service Ofcer.
Requests for assistance usually relate to basic needs (food, shelter and
medical care) on a one-time only basis.
Royal Canadian Legion - Ontario Provincial Command
1-888-207-0939
www.on.legion.ca
Veterans Affairs Canada
1-866-522-2122
www.veterans.gc.ca
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4 HEALTH AND WELLNESS
General Information
Call 9-1-1 if you nd yourself in any situation where people are at risk and
immediate action is needed.
Telehealth Ontario
Available 24 hours a day, seven days a week this free service connects you
to a registered nurse who can provide condential health advice and general
health information. You will be asked to describe your symptoms and answer
questions. The registered nurse may then advise self-care, recommend a
visit to a health practitioner or refer you to community resources nearest
you. This service is available in English or French, with translation support
for other languages and a direct TTY number for those with hearing and
speech difculties.
1-866-797-0000
TTY: 1-866-797-0007
www.ontario.ca/ru2
Local Health Integration Networks (LHINs)
In December 2016, the government passed the Patient First Act, 2016. This
Act expands the mandate of Local Health Integration Networks (LHINs) to
include the service management and delivery of home and community care.
The 14 Community Care Access Centers transferred their staff, resources
and responsibilities to the LHINs in May and June 2017.
LHINs can help you to live independently in your own home for as long as
possible. For example, your LHIN care coordinator can help coordinate in-
home services, including nursing, personal support (help with bathing,
dressing, etc.), physiotherapy, occupational therapy, social work, nutritional
counselling, medical supplies and equipment.
In addition, there are other community services that assist seniors and
persons with disabilities to live independently in their homes. Your LHIN
care coordinator can tell you about other local community services that
could help you, your caregiver or the person you are caring for. You can also
directly access these services.
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Your LHIN care coordinator can also provide information about LTC homes,
other housing alternatives, such as supportive/assistive housing, retirement
homes and seniors’ apartments, and nancial options. Your LHIN care
coordinator will assess your eligibility for admission to a LTC home and will
help you with the application process.
LHINs can provide a break to caregivers of LHIN clients from their caregiving
duties (i.e. respite services) in the form of adult day programs, personal
support worker hours/visits, or a short-stay in a long-term care home.
Local Health Integration Network contact #310-2222
For more information about housing options for seniors, please see the
HOUSING section of this guide.
Finding a Health Care Provider
The College of Physicians and Surgeons of Ontario’s Doctor Search is a free
service that provides information about Ontario physicians.
www.cpso.on.ca/docsearch
Health Care Connect is a program that refers people without a regular
primary family health care provider to physicians and nurse practitioners
who are accepting new patients in their community.
1-866-532-3161
TTY: 1-800-387-5559
www.ontario.ca/healthcareconnect
Health Care Options is a one-stop source of information that can tell you
where to seek immediate health care in your community. Health Care
Options provides a list of primary care resources, including urgent care
centres, walk-in/after-hours clinics, Nurse Practitioner-Led Clinics, Family
Health Teams and Community Health Centres.
1-866-532-3161
TTY:1-800-387-5559
www.ontario.ca/healthcareoptions
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Public Health
Public Health Units
Public Health Units offer healthy living programs and disease prevention
information to all members of the community about healthy lifestyles
including sexual health, vaccinations, addictions, and healthy growth and
development.
Find a Public Health Unit near you:
ServiceOntario
1-866-532-3161
TTY: 1-800-387-5559
www.ontario.ca/page/public-health-units or search by postal code:
www.phdapps.health.gov.on.ca/PHULocator
ColonCancerCheck
This program is the rst province-wide, organized screening program
designed to increase screening rates and reduce deaths from colorectal
cancer, which is highly curable if detected early. Ontario has one of the
highest rates of colorectal cancer in the world. Make sure you know the risk
factors:
• Are you between the ages of 50 and 74?
• Do you eat a healthy diet? Consider eating more ber and avoid red and
processed meats.
• Are you a smoker? If you smoke, seriously consider quitting. There is no
safe tobacco product and no safe level of smoking.
• Do you consume alcohol excessively? Abstain from drinking alcohol. If
you do drink, follow the low-risk alcohol drinking guidelines for cancer
prevention; less than 1 a day for women and less than 2 drinks a day for
men.
• Are you physically inactive? Get active! Those who are more active have
lower risk of colorectal cancer.
• Are you obese? Reach and stay at a healthy weight. Having more body
fat may increase the risk of colorectal cancer.
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• Do you have a family history of colorectal cancer, particularly a parent,
child or sibling?
• Do you suffer from inammatory bowel disease (ulcerative colitis or
Crohn’s disease)?
If you answered ‘yes’ to any of these questions, your doctor or nurse
practitioner can help you reduce your risk of colorectal cancer and
recommend the appropriate screening methods to catch this disease early.
1-866-532-3161
TTY: 1-800-387-5559
www.ontario.ca/coloncancercheck
Diabetes
Diabetes is a serious disease that, if neglected, can lead to serious, long-
term health complications, including heart and kidney disease, stroke,
blindness and amputation. While type 1 diabetes cannot be prevented, type
2 diabetes can be prevented with healthy eating, weight management and
exercise. By making the right lifestyle choices, both types of diabetes can be
managed. Early signs of diabetes should be taken seriously. See a doctor to
have your blood glucose (sugar) checked.
Early signs include:
• feeling more thirsty
• frequent urination
• a sudden weight change, either a gain or a loss
• a lack of energy or feeling more tired than usual
• blurred vision
• infections that are more frequent or recurring
• injuries, such as cuts and bruises, that are slow to heal
• tingling or no feeling in your hands or feet
• trouble getting or maintaining an erection.
Contact the organizations below to learn more about diabetes tests,
prevention tips and how you can more effectively manage diabetes.
Ontario Diabetes Strategy
www.ontario.ca/diabetes
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ServiceOntario
1-866-532-3161
TTY: 1-800-387-5559
www.ontario.ca/ru4
Canadian Diabetes Association
1-800-BANTING (1-800-226-8464)
www.diabetes.ca
Bone Mineral Density Testing
Osteoporosis is a disease that can cause fragile bones and an increased
risk of fractures. Bone mineral density testing measures bone loss due to
osteoporosis. The results can help you and your doctor evaluate your risk
of future fractures, determine the need for medical treatment and monitor
the success of existing treatment. OHIP covers annual bone mineral density
tests for individuals at high risk for osteoporosis and future fractures, and
less frequent testing for lower-risk individuals.
ServiceOntario
1-866-532-3161
TTY: 1-800-387-5559
www.ontario.ca/ru5
Osteoporosis Society of Canada
1-800-463-6842
www.osteoporosis.ca
Immunizations
Immunizations help save lives and prevent serious illnesses. Ensuring
that you are up to date with your immunizations can help protect you and
your loved ones against certain diseases. Those over the age of 65 are at
higher risk for complications from inuenza and pneumonia. As a result, it’s
important for seniors to get a free u shot each year before inuenza season
begins, typically in October. Most seniors need to get the pneumonia vaccine
only once to be protected and it can be given at any time of year. Speak with
your health care provider to ensure that your immunizations are up to date.
Any questions regarding immunizations can be sent to
vaccine.pr[email protected].
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HIV Treatment
The AIDS and Sexual Health InfoLine is a source of information about sexual
health, HIV, Hep C and/or needle exchange services. They will give you
information on Ontario specic HIV related services.
AIDS and Sexual Health InfoLine
1-800-668-2437
The Ontario AIDS Network (OAN) is a network of community-based
organizations that provide HIV/AIDS education, outreach, prevention, and
support/care programming and services for people with living with and
affected by HIV/AIDS. For a list of members throughout Ontario contact the
OAN directly.
Ontario AIDS Network:
1-800-839-0369
www.oan.red
The Canadian AIDS Treatment Information Exchange (CATIE) is Canada’s
source for current, unbiased information about HIV and hepatitis C.
This organization provides people living with HIV or hepatitis C, at-risk
communities, healthcare providers and community organizations with
knowledge, resources and expertise to reduce transmission and improve
quality of life.
1-800-263-1638
www.catie.ca
The Ontario HIV Treatment Network (OHTN) is a non-prot organization that
funds and conducts HIV research and provides education, capacity building,
evaluation services, data collection and monitoring for HIV services in
Ontario.
The Ontario HIV Treatment Network
1-877-743 6486
www.ohtn.on.ca
Ontario Health Insurance Plan (OHIP)
OHIP covers a wide range of health services that are medically necessary. As
a resident of Ontario, you must have a valid Ontario health card to show that
you are entitled to health care services paid for by OHIP.
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Eligibility
Generally, as an Ontario resident you are eligible for provincially funded
health coverage under OHIP if you:
• are a Canadian citizen, permanent resident or among one of the
newcomer to Canada groups eligible for OHIP as set out in Ontario’s
Health Insurance Act
• are physically present in Ontario for 153 days in any 12-month period
• are physically present in Ontario for at least 153 days of the rst 183 days
immediately after establishing residency in the province
• make your primary place of residence in Ontario.
OHIP coverage normally begins three months after the date you establish
residency in Ontario. If you are a new or returning resident, you are strongly
encouraged to purchase private health insurance in case you become ill
during the OHIP waiting period.
Ontario Health Card
Residents of Ontario must have a valid health card to show that they are
entitled to health care services paid for by the Ontario Health Insurance
Plan (OHIP). Either a photo health card or a red and white health card is
acceptable to access insured health services provided the card is valid and
belongs to you. Your health card is to be used only to access health care
services. Do not show your card or give your health card number to anyone
except a health care provider when you receive services or to the Ministry of
Health and Long-Term Care.
In most cases, your photo health card will have an expiry date that matches
your birthday. When your health card expires, you may need to visit a
ServiceOntario Centre to renew your card and have another photo taken.
Renewal notices for photo health cards are mailed approximately two
months prior to the expiry date shown on the front of your card, but you can
renew up to six months prior to this expiry date. Red and white health cards
do not have an expiry date. If you are 80 years of age or older, you may have
the option of renewing by mail, but your new health card won’t include your
photo or signature. If you are eligible for the mail-in renewal process, your
renewal notice will provide this information.
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ServiceOntario
1-866-532-3161
TTY: 1-800-387-5559
www.ontario.ca/exi2
What’s Covered
• Physician services: The ministry covers all insured medically necessary
services provided by your physicians. Physicians may bill you for uninsured
services (such as requiring a sick note) if you miss an appointment or if
your health card is not valid.
• Dental services in hospital: OHIP pays for some dental surgery when
it’s medically necessary to be performed. You must pay the cost of
regular dental services in a dentist’s ofce. (See additional Dental Care
information below)
• Eye care: A yearly routine eye examination is covered for people under 20
and over 64 years of age. Patients aged 20-64 with certain conditions
may also be eligible for insured eye examinations by an optometrist or
physician. Speak to your primary health care provider to learn more. If you
are receiving assistance under the Ontario Disability Support Program,
Ontario Works or the Family Benets Program, you are covered for routine
eye examinations once every two years.
• Services from other health care providers: You may need to pay the full
or partial cost of services provided by other health care providers, such
as podiatrists, chiropractors and physiotherapists. Contact the Ministry of
Health and Long-Term Care if you have questions about services provided
by other health care providers.
• Northern Health Travel Grant: If you live in northern Ontario and have to
travel long distances for specialty medical care, you may be eligible for
this grant.
1-800-461-4006
• Services in other Canadian provinces and territories: Many of your
Ontario health insurance coverage benets can be used across Canada.
The province or territory you are visiting will usually bill Ontario directly
for insured physician or insured hospital services. If you have to pay for
insured health services you receive in another part of Canada, check
the ministry’s website (www.ontario.ca/outofprovince) for instructions on
submitting your receipts for consideration of reimbursement. Only insured
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physician and insured hospital services are covered when you are in
another province or territory; therefore items such as prescription drugs
from pharmacies or services such as home care, ambulance and long-
term care provided in other provinces and territories are not covered.
• Services outside Canada: For people travelling outside Canada, OHIP
covers only emergency health services and even then at very limited
rates. Ambulance services are not covered. If you are planning to travel
outside Canada, you are strongly advised to purchase supplementary
insurance as emergency health services provided abroad generally cost
much more than OHIP may pay.
MedsCheck
This free program allows you to schedule an annual 20 to 30-minute one-
on-one discussion with your pharmacist to make sure you’re using all your
medications in a safe and proper way.
Any Ontario resident taking three or more medications for a chronic illness;
living in a licensed long-term care home; or living with diabetes can use this
program. If you take three or more prescriptions for a chronic illness but
can’t get to a pharmacy, you might also be eligible for an at-home visit with
your pharmacist.
Ministry of Health and Long-Term Care
1-866-255-6701
TTY: 1-800-387-5599
www.ontario.ca/medscheck
Ontario Drug Benet (ODB) Program
If you’re 65 or older and have a valid health card, you are eligible for the ODB
program. You don’t have to apply for coverage. If the Ministry of Health and
Long-Term Care has your correct mailing address, you will receive a letter
notifying you of your ODB eligibility about two months before you turn 65.
Your benets will begin on the rst day of the month after you turn 65. At
that point, you simply take your prescription and your health card to the
pharmacy and tell the pharmacist that you are eligible for the ODB program.
Your pharmacist will check your eligibility on the government’s Health
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Network System. If you change your address, you must inform the ministry.
You can update your address online at www.ontario.ca/addresschange or at
a ServiceOntario centre.
Co-payments and Deductibles
The ODB benet year starts on August 1
st
. Most seniors will pay the rst
$100 of their prescription drug costs (the deductible) at their pharmacy
every year. You pay your deductible when purchasing approved prescription
products. Once the deductible is paid, most seniors will then be asked to pay
up to $6.11 for each approved prescription lled (the co-payment) until the
begining of the next benet year.
Under the Seniors Co-Payment Program, lower-income seniors can apply
to have their $100 deductible waived and their co-payment reduced to
$2.00 to ll a prescription for an approved product. To qualify you must be
either a single senior with a net annual income of $19,300 or less, or a
senior couple with an income of $32,300 or less. You need to apply for this
program. For an application, ask your local pharmacy, call 1-888-405-0405
or visit www.ontario.ca/ru6.
What’s Covered
The ODB program covers most of the cost of over 4,400 drug products, some
nutrition products and some diabetic testing agents listed in the Ontario
Drug Benet Formulary/Comparative Drug Index. To qualify, an Ontario
doctor or other authorized prescriber must prescribe the drugs and you must
buy them from an accredited Ontario pharmacy or from an Ontario doctor
who is licensed to sell prescription drug products and who is linked to the
ministry’s Health Network System.
The following products are not covered by the ODB program:
• prescription drugs that you buy outside Ontario
• prescription drugs that you buy at your doctor’s ofce if the doctor is not
linked to the ministry’s Health Network System
• syringes and other diabetic supplies such as lancets and glucometers,
eyeglasses, dentures, hearing aids or compression stockings.
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The Exceptional Access Program may in some cases cover prescription drugs
that are not on the approved ODB list. A doctor must apply for this program
on your behalf.
Diabetic Testing Agents
These are products that diabetics use to test their blood sugar levels and
ketone levels in their urine. If you are eligible for coverage through the ODB
program, have diabetes and have a prescription for the approved diabetic
testing agent from an Ontario doctor, the program will cover the costs of
diabetic testing agents on the ministry’s approved list. The number of blood
glucose test strips that you are eligible to receive in a 365-day period is
based on how you manage your diabetes.
It is understood that there may be exceptional clinical circumstances where
you require more frequent testing. Your physician may prescribe you an
additional 100 test strips at a time if it has been determined that you need
more test strips for exceptional circumstances.
Ontario Drug Benet Program
1-866-532-3161
TTY: 1-800-387-5559
www.ontario.ca/h8h
Dental Care
While you must pay for the cost of regular dental services provided in
a dentist’s ofce, OHIP will cover some dental surgery that by medical
necessity must be provided in a hospital. If you are a resident of a long-term
care home, you will be given a dental assessment upon admission and will
receive ongoing oral care by qualied dental professionals on a fee-for-
service basis. If you need treatment or services not provided by your facility,
you will be referred to a dentist or other professional of your choice. You or
your representative must authorize and pay for those services.
Some municipalities provide nancial assistance for low-income seniors for
dental care. You can learn more by calling 2-1-1 or your municipal, regional
or district government ofces.
In addition, the dental faculties at the University of Toronto, George Brown
and Western University provide dental services at a fee generally lower than
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what private dentists charge. Visit www.dentistry.utoronto.ca/patient-clinics,
www.georgebrown.ca/wave/dentalclinic or www.schulich.uwo.ca/dentistry/
dental_clinics/docs for more information.
The Ontario Dental Association provides tips about oral health for seniors
and can help you nd a dentist in your area. Visit www.youroralhealth.ca/
seniors97 and www.youroralhealth.ca/nd-a-dentist24 to learn more.
Assistive Devices Program
If you are an Ontario resident with a long-term physical disability, you
may be eligible to receive funding assistance from this program towards
personalized assistive devices to help you live more independently. Any
Ontario resident with a valid Ontario Health card who has a long-term
physical disability and requires the use of a device for six months or longer
can apply for funding assistance. Each device category has specic eligibility
requirements that must be met.
The Assistive Devices Program pays up to 75 per cent of the cost of
equipment, such as wheelchairs, respiratory devices, visual aids and custom
fabricated orthotic devices. For other equipment, such as hearing aids, the
program contributes a xed amount. For items such as ostomy supplies,
breast prostheses and needles and syringes for seniors, the program will pay
a grant directly to the person.
The Assistive Devices Program pays for 100 per cent of the monthly
reimbursement rate for home oxygen therapy equipment and related
services for seniors 65 years of age or older and for individuals 64 years of
age or younger who are on social assistance, residing in a long-term care
home or who are receiving professional services through a Local Health
Integration Network.
Ministry of Health and Long-Term Care
1-800-268-6021
TTY: 1-800-387-5559
www.health.gov.on.ca/adp
Ambulance Services
If you have a valid health card and your use of an ambulance is deemed
medically essential by an attending doctor, you won’t be billed for ambulance
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trips between Ontario medical facilities (for example, between two hospitals),
but you will be billed a co-payment fee of $45 for an ambulance trip to a
hospital from any other location. You don’t have to pay this fee if you are
receiving social assistance or certain home care services or are living in a
provincially funded health care home, such as a long-term care home.
If your ambulance trip is deemed not medically essential by an attending
doctor or you do not have a valid Ontario health card, you will be billed an
ambulance service co-payment charge of $240 for each land ambulance trip
or the actual cost of an air ambulance trip.
Regional Geriatric Programs (RGPs) of Ontario
RGPs provide specialized geriatric services to help treat illness and
disability in older adults who have multiple and complex needs. Working in
collaboration with primary care physicians, community health professionals
and others, these programs seek to meet the needs of the most frail
and vulnerable seniors. For information about services, see the contact
information below.
• Regional Geriatric Programs of Ontario: www.rgps.on.ca
• RGP of Toronto: 416-480-6026, www.rgp.toronto.on.ca
• Specialized Geriatrics Services (South East Ontario): www.sagelink.ca
• RGP of Eastern Ontario (Ottawa): 613-761-4458, www.rgpeo.com
• RGP Central (Hamilton): 905-777-3837 (ext. 12436), www.rgpc.ca
• Specialized Geriatrics Services (South West Ontario): 519-685-4000
(extension 44028), www.sjhc.london.on.ca/specializedgeriatrics
Mental Health and Addictions
Specialized Geriatric Mental Health Outreach Programs
These programs provide assessment, consultation, treatment and education
to seniors with serious mental illness, as well as to their families and service
providers. In most cases, seniors with mental illness or their families can
directly access these programs or they can be referred through a family
doctor. To nd out about a program in your area, contact your family doctor.
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Inpatient and Outpatient Services at Hospitals
Approximately 70 hospitals across the province have inpatient psychiatry
beds that provide acute, short-term treatment for people with mental illness.
A number of the province’s specialty psychiatric hospitals have inpatient
beds that provide treatment for seniors with serious mental illness who
have longer-term hospitalization needs. Many of these facilities also have
outpatient mental health programs for seniors with mental illness, including
day treatment programs and outpatient clinics.
In the case of a psychiatric emergency, contact or go to the hospital
emergency department nearest you.
To access hospital-based psychiatric services for seniors, contact your family
doctor.
Some Local Health Integration Networks (LHINs) may also offer mental
health services for seniors.
Local Health Integration Network contact # 310-2222
Centre for Addiction and Mental Health (CAMH)
CAMH is Canada’s leading addiction and mental health organization
providing comprehensive, accessible care for people suffering from addiction
or mental illness. CAMH’s Geriatric Mental Health Program is dedicated
to the provision of specialized, inter-professional assessment, treatment,
consultation and follow-up services to older persons with mental health
concerns, with or without addiction issues. The service has both outpatient
and inpatient departments and it also provides information about afliated
agencies, programs and services.
Geriatric Mental Health Program Central Intake Ofce
416-535-8501 (ext. 31942)
www.camh.net
Canadian Mental Health Association (CMHA), Ontario
CMHA, Ontario is a non-prot, charitable organization committed to
improving services and support for people living with mental illness and
their families. The association provides community mental health services in
32 branches located across Ontario and develops public policy advice that
promotes mental health for all Ontarians.
1-800-875-6213
www.ontario.cmha.ca
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ConnexOntario
ConnexOntario operates three helplines that provide free, condential health
services information for people experiencing problems with alcohol and
drugs, mental illness or gambling. Helplines are available 24 hours a day,
seven days a week.
Drug and Alcohol Helpline
1-800-565-8603
www.drugandalcoholhelpline.ca
Mental Health Helpline
1-866-531-2600
www.mentalhealthhelpline.ca
Ontario Problem Gambling Helpline
1-888-230-3505
www.opgh.on.ca
Smoking Cessation
Tobacco use and exposure to second-hand smoke is associated with the
development and progression of chronic disease, mobility restrictions and
a decline in physical function. Quitting smoking can enhance your quality
of life and reduce your risk of illness and death. Counselling is a proven
intervention strategy that greatly increases the chance that a smoker will
quit.
Smokers’ Helpline
1-877-513-5333
www.smokershelpline.ca
The Ontario Drug Benet program also provides smoking cessation supports
to Ontarians aged 65 years and older, including coverage for prescription
cessation medications and access to free cessation counselling by
community pharmacists.
ServiceOntario
1-866-532-3161
TTY: 1-800-387-5559
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Fall Prevention
Falls are the leading cause of injury among seniors and roughly half of these
falls occur at home. Every year, one-third of seniors fall and often experience
serious consequences to their health, independence and quality of life.
Fortunately, many falls are preventable.
Reduce your risk by following these tips:
• Exercise regularly. Adults aged 65 years and older should complete at
least 150 minutes of moderate to vigorous aerobic physical activity per
week, in bouts of 10 minutes or more. If you have poor mobility, physical
activity can help you enhance your balance and prevent falls. Make sure
you have proper footwear that includes rubber soles, low heels and laces
or Velcro that securely fasten.
• Take a bone density test. Osteoporosis is a disease that makes bones
brittle and more likely to break during a fall. At least 80 per cent of broken
bones in older adults are related to osteoporosis, with older women at
greatest risk of developing the disease. Ask your doctor for a bone mineral
density test to determine your risk.
• Know your medications. Taking four or more medications increases your
chance of falling. Speak to your doctor about all the medications you are
taking to learn why you are taking them, what side effects they have (such
as drowsiness or dizziness) and if there are alternatives.
• Reduce home hazards. These include loose carpets and cords on the
oor, items blocking the stairs and poor lighting. Also consider installing
assistive devices, such as grab bars or raised toilet seats.
Osteoporosis Canada
1-800-463-6842
www.osteoporosis.ca
To order related publications from the Ministry of Seniors Affairs, including
What To Do If You Fall:
ServiceOntario Publications
1-800-668-9938
TTY: 1-800-268-7095
www.ontario.ca/publications
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To order related publications from the Public Health Agency of Canada,
including the Safe Living Guide—A Guide to Home Safety for Seniors, You
CAN Prevent Falls!, 12 Steps to Stair Safety at Home and If You Fall or
Witness a Fall, Do You Know What To Do?:
Division of Aging and Seniors
1 800 O-Canada (1-800-622-6232)
www.phac-aspc.gc.ca/seniors-aines
Nutrition
EatRight Ontario
This program connects you to a Registered Dietitian who can provide free
advice that can improve your quality of life. Visit the EatRight Ontario website
to access additional resources that support the development of healthy
eating habits, including ‘Nutri-eScreen’, an interactive web-based nutrition
support tool targeted at older adults.
1-877-510-510-2
www.eatrightontario.ca
Eating Well with Canada’s Food Guide
For years, this guide has helped Canadians nd the right balance of nutrition
and activity to stay t and healthy. You don’t have to give up foods you
love for the sake of your health, but you do need to aim for variety and
moderation. Eating Well with Canada’s Food Guide can help you make good
choices.
Publications Health Canada
1-866-225-0709
TTY: 1-800-465-7735
www.healthcanada.gc.ca/foodguide
Dietitians of Canada
This association of food and nutrition professionals is committed to the
health and well-being of Canadians. It produces a variety of resources
that can help you make healthy food choices, learn more about the role of
nutrition in health and nd a dietitian in your area.
416-596-0857
www.dietitians.ca
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Hearing Care Counselling Program
This program is designed to help seniors (55+) stay connected, independent
and condent, offering information on communication devices and
other available services in the comfort of their own home. Counsellors
provide home visits, education, demonstrations and recommendations of
communication devices.
Canadian Hearing Society
1-877-347-3427
TTY: 1 877 216 7310
www.chs.ca
MedicAlert
®
Safely Home
®
A person suffering from Alzheimer’s disease or a related dementia may
have a tendency to wander and become lost, often without warning. To
help these individuals and their families, the Alzheimer Society and the
Canadian MedicAlert Foundation have partnered and improved the Safely
Home program, incorporating the best features of both Safely Home and
MedicAlert services. For a fee, members receive an engraved identication
bracelet that allows police and emergency responders to quickly identify the
person who has wandered.
1-855-581-3794
www.alzheimer.ca (>Living with dementia > Safety > MedicAlert
®
Safely
Home
®
)
Finding Your Way
®
To enhance the safety of people with dementia who may wander or become
lost, and support their caregivers and communities, the Alzheimer Society
of Ontario delivers this program in collaboration with local societies across
the province. This program raises awareness about the risks for people with
dementia who may wander and go missing, and offers practical advice for
these individuals, their families and caregivers, and communities about how
to how to respond most effectively should such an incident occur.
Finding Your Way
®
www.ndingyourwayontario.ca
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Alzheimer Society of Ontario
1-800-879-4226
www.alzheimerontario.org
2-1-1
www.211ontario.ca
Community Support Services
Community support services are accessed directly by the consumer and
help the frail elderly and persons with disabilities to live in the community
in independence and safety. The LHIN can provide further information and
referral to appropriate community services within your region.
Organizations funded by the government to provide these services are not-
for-prot corporations. Some private for-prot agencies may provide similar
services for a fee.
For information about the following community support services, contact
your Local Health Integration Network
Local Health Integration Network contact # 310-2222
Adult Day Programs
These programs provide structured and supervised activities in a group
setting for adults who need care or support. Programs usually include
planned recreational and physical activities, meals, transportation to and
from the program and some personal care. There may be a consumer fee to
cover meal and transportation costs. Subsidies may be available.
Caregiver Support Services
There are various ways to help the regular caregiver, who is often a family
member, to have a break or do some things for themselves. These services
are called respite care services and can be provided in two ways: In-Home
Respite and Short-Stay Respite.
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Client Intervention and Assistance Services
This service provides support to individuals who need help coping with
activities associated with daily life, such as maintaining good nutrition,
household management, locating services, lling out forms, etc.
Emergency Response Service
This service requires the installation of an electronic device in your home so
that you are connected to an emergency response centre at all times. Often
this device is worn around a person’s neck so it is within easy reach at all
times.
Foot Care Services
These services are provided by trained staff who assist by trimming toenails,
monitoring the condition of your feet and/or providing bathing and massage
treatments. Availability may depend on your needs and the extent of foot
care services in the community. A consumer fee may also apply.
Friendly Visiting Services
This service provides regular volunteer visits to an isolated senior. Visits are
generally made to your home, but the volunteer can also help run errands or
accompany you while you do your shopping, banking or other activities.
Home Help Referral Services
These services refer a person who requires home help to an individual who
provides specic services. A consumer fee may apply.
Home Maintenance and Repair Services
Some agencies can help you arrange heavy home maintenance tasks, such
as yard maintenance, snow shovelling, window washing or one-time repair
jobs. If you are frail or physically disabled, an agency may make the service
arrangements for you, but usually the consumer pays the worker(s) or
company directly.
Meal Services
Depending on your needs and service availability, nutritious meals can be
delivered to your home or arrangements can be made for you to enjoy a
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meal with others in the community. A consumer fee to cover the cost of food
or transportation may apply.
Social or Recreational Services
Available in seniors’ centres, these services consist of learning and
recreational activities that encourage community involvement and
intergenerational contact. Often referred to as Seniors Active Living Centres,
these centres serve a wide range of individuals, ranging from those who
are very healthy to those who require support in order to continue living
independently in the community. Seniors are directly involved in operating
Older Adult Centres in roles that may include serving on the board of
directors, advising on program planning and acting as volunteers.
Transportation Services
These services can help if you are unable to use existing transportation
options available to you or require some assistance. Transportation can be
provided in a volunteer’s car, a community vehicle or a taxi depending on
your needs and service availability in your area. There is a consumer fee for
this service to cover the cost of transportation, although subsidies may be
available.
Security Checks or Reassurance Services
This service ensures that a volunteer telephones you regularly to check that
you are not in crisis or at risk of physical harm.
Palliative Care
Hospice palliative care is a philosophy of care that aims to relieve suffering
and improve the quality of living and dying. It strives to help individuals and
families address physical, psychological, social, spiritual and practical issues
related to the process of dying.
Complex Continuing Care
Also known as chronic care, complex continuing care provides ongoing,
medically complex and specialized services to people of all ages, sometimes
over extended periods of time. This care is provided in hospitals for
people with long-term illnesses or disabilities who typically require skilled,
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technology-based care that is not available at home or in long-term care
homes. Residents are charged a co-payment that provides room, board and
other necessities, in addition to medical care.
For information about organ and tissue donation, please see the SAFETY
AND SECURITY (Legal Matters) section of this guide.
For Indigenous Seniors
Non-Insured Health Benets (NIHB) for First Nations and Inuit
NIHB is a national program that provides coverage to registered First Nations
and recognized Inuit for a specied range of medically necessary items
and services that are not covered by other plans and programs. Coverage
for benet claims for a specied range of drugs, dental care, vision care,
medical supplies and equipment, short-term crisis intervention, mental
health counselling and medical transportation are available.
Health Canada
1-800-640-0642
TTY: 1-800-267-1245
www.hc-sc.gc.ca/fniah-spnia/nihb-ssna/index-eng.php
Culturally Appropriate Primary Care Services for Indigenous Seniors
Aboriginal Health Access Centres (AHACs)
AHACs are Indigenous, community-led primary health care organizations.
They provide a combination of traditional healing, primary care, cultural
programs, health promotion programs, community development initiatives,
and social support services to First Nations, Métis and Inuit communities.
There are currently ten AHACs in Ontario, providing services both on and off-
reserve, in urban, rural and northern locations. The Association of Ontario
Health Centres can provide you with contact information for the AHAC closest
to you.
Association of Ontario Health Centres
416-236-2539
www.aohc.org/aboriginal-health-access-centres
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Aboriginal Community Health Centres (ACHCs)
Aboriginal Community Health Centres (ACHCs) offer a blend of traditional
Aboriginal approaches to health and wellness with primary health care in
culturally appropriate settings. There are currently two ACHCs in Ontario.
Anishnawbe Health Toronto (Three locations)
225 Queen Street E.: 416-360-0486
179 Gerrard Street E.: 416-920-2605
22 Vaughan Road : 416-657-0379
www.aht.ca
Misiway Milopemahtesewin (Timmins)
705-264-2200
www.misiway.ca
National Aboriginal Diabetes Program
This program raises awareness about diabetes and offers culturally
appropriate programs and services for those affected by the disease.
1-877-232-NADA (232-6232)
www.nada.ca
Addictions Treatment for First Nations and Inuit
Health Canada provides funding to First Nations and Inuit communities
to set up and run substance abuse treatment programs. These programs
offer many services to help individuals and families who are affected by
substance abuse.
Health Canada
Treatment Centre Directory
1-800-640-0642
TTY: 1-800-267-1245
www.hc-sc.gc.ca
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For Lesbian, Gay, Bisexual, Transgendered and
Queer (LGBTQ) Seniors
Rainbow Health Ontario
This organization works to improve the health and well-being of the LGBT
community through education, research, outreach and public policy
advocacy. It also provides training on a range of health and wellness issues,
including those that focus on LGBT seniors.
416-324-4100
www.rainbowhealthontario.ca
For Veterans
Veterans Independence Program
Eligible veterans can access various health benets, including medical,
surgical and dental care, prescription drugs and hearing/vision aids through
Veterans Affairs Canada. In addition, programs such as the Veterans
Independence Program help qualied veterans and others remain healthy
and independent in their own homes and communities.
Veterans Affairs Canada
1-866-522-2122
www.veterans.gc.ca
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5 HOUSING
Home Adaptations
Most of us want to continue living in our own home for as long as possible,
but housing needs can change over the course of a lifetime. Sometimes
even small and inexpensive modications can help make your home safer
and allow you to remain independent as you get older. If you’re thinking of
modifying your home, these Canada Mortgage and Housing Corporation
online publications may be able to help:
• Maintaining Seniors’ Independence Through Home Adaptations: A
Self-Assessment Guide can help you learn about the types of home
adaptations that are best for you.
• Accessible Housing By Design highlights the range of renovations that can
make your home more accessible.
• Preventing Falls on Stairs can help you reduce the risk of falls and injuries
on stairs.
Canada Mortgage and Housing Corporation
1-800-668-2642
TTY: 1-800-309-3388
www.cmhc.gc.ca (> Consumers > Publications and Reports > Accessible &
Adaptable Housing)
Financial Assistance Programs
If you are thinking of modifying your home to make it more accessible, there
are a number of government programs that may be able to help you.
Ontario Renovates
The Ontario Renovates component of the Investment in Affordable Housing
for Ontario (IAH) program provides forgivable loans to eligible low-income
homeowners and landlords to make necessary repairs to homes or units
- including upgrades to increase accessibility - and for the creation of
secondary suites in existing single family homes. Funding for accessibility
repairs made to a home or unit, up to a maximum of $5,000 is in the
form of a grant. Affordable housing programs like this are administered
by local municipalities and District Social Services Administration Boards,
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also known as Service Managers. Service Managers decide whether to
participate in Ontario Renovates based on local housing needs.
Ministry of Municipal Affairs and Housing
Service Managers and Their Service Areas
www.ontario.ca/kq46
Senior and/or Disabled Property Tax Relief
Property owners who build or modify a residence for a senior or a person
with a disability may be eligible for property tax relief. Examples of
alterations and additions include building a ramp or an additional room. If
you believe your home is eligible, contact your local ofce of the Municipal
Property Assessment Corporation.
Municipal Property Assessment Corporation
1-866-296-MPAC (1-866-296-6722)
TTY: 1-877-TTY-MPAC (6722)
www.mpac.ca (> Property Owners > Property Assessment Procedures > Tax
Incentive Programs > Senior and Disabled Property Tax Relief)
Property Tax Relief for Low-Income Seniors and Low-Income
Persons with Disabilities
Low-income seniors and low-income persons with disabilities who own
residential property may be eligible to receive relief from property tax
increases that result from assessment reform. For more information or to
determine your eligibility, please contact your local municipality.
Provincial Land Tax Deferral Program for Low-Income Seniors and
Low-Income Persons with Disabilities
Under this program, low-income seniors and low-income persons with
disabilities may apply for an annual deferral of part of the Provincial Land
Tax and Education Tax increases. All deferred taxes must be repaid in full
upon the sale or transfer of title to the property. This program is for those
who pay their property taxes directly to the Province of Ontario.
Ministry of Finance
1-866-400-2122
TTY: 1-888-321-6774
www.ontario.ca/rva
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If you would like to learn more about the Home and Vehicle Modication
Program, please see the FINANCES, Financial Assistance section of this
guide.
Housing Options
If you need help to decide what housing option might be best for you or for
your family member, one of these professionals can help:
• Local Health Integration Network (LHIN) care coordinator
• social worker in a geriatric center or in a family counselling agency
• community health nurse
Adult Lifestyle Communities
Adult Lifestyle Communities provide independent living residences for
retirees or semi-retirees. Residences may include bungalows, townhomes,
small homes or condominiums that provide the benets of home ownership
with on-site recreational and community activities. Amenities may include
24-hour security, social interaction with peers along with leisure and
recreational activities. Contact your local real estate agent to nd an Adult
Lifestyle Community near you.
Life Lease Housing
With life lease housing, you hold an “interest” in a property, but do not own
it. This type of arrangement can have many advantages. For example, units
are often less expensive than similarly sized condominiums in the area. In
addition, life lease communities are restricted to people of a certain age, so
residents are more likely to share common interests and needs.
Retirement Homes
Retirement homes are private businesses that sell various combinations of
accommodations (from shared rooms to large apartments), support services
and personal care. Anyone can apply to live in a retirement home.
You are responsible for the entire cost of both your accommodation and
care services. Accommodation rates are subject to rent control. Residences
and rates can vary widely in terms of care, services and amenities provided.
While you do not need to provide medical evidence that you need care, the
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home will assess your needs to make sure you do not need more support
than it can provide.
Retirement homes are regulated under the Retirement Homes Act, 2010.
This legislation:
• mandates care and safety standards for retirement homes, including
emergency plans, infection control and prevention programs, assessment
of care needs and care planning, police background checks and training
for staff
• created a Residents’ Bill of Rights that includes the right to know the true
cost of care and accommodation and the right to live in an environment
that promotes zero tolerance of abuse or neglect
• established the Retirement Homes Regulatory Authority, an arm’s-length
organization that educates, licences and inspects retirement homes to
ensure they meet prescribed standards.
For information about retirement homes in your community, contact the
Retirement Homes Regulatory Authority.
Ontario’s Retirement Homes Regulatory Authority licences and inspects the
province’s retirement homes, maintains a Public Register of all homes that
have been granted or have applied for a licence (www.rhra.ca/en/register),
handles complaints and educates retirement home staff and owners,
consumers and the public about the Act.
Anyone in Ontario can call the Authority, free of charge, to get help resolving
retirement home complaints.
If you see or suspect harm or risk of harm to a resident resulting from poor
care, abuse or neglect or unlawful conduct, or if you suspect misuse of a
resident’s money, you must report this to the Registrar of the Retirement
Homes Regulatory Authority. You may report anonymously.
Retirement Homes Regulatory Authority
1-855-ASK-RHRA (1-855-275-7472)
www.rhra.ca
Supportive Housing
Supportive housing programs provide on-site personal support services
for seniors living as tenants in designated residential buildings. These
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programs are designed to help people live independently in their own
apartments. Services include personal support/attendant services, essential
homemaking services and staff available 24 hours a day to handle regularly
scheduled care and emergency needs.
Local Health Integration Network contact # 310-2222
Housing Options for Low-Income Seniors
Investment in Affordable Housing for Ontario (2014-2020)
This program provides funding to build and repair affordable housing, and
for rental and down payment assistance to households in need. Affordable
housing programs like this one are administered by local municipalities
and District Social Service Administration Boards, also known as Service
Managers. Service Managers decide which parts of the program to
participate in based on local housing needs.
Ministry of Municipal Affairs and Housing
Service Managers and Their Service Areas
www.ontario.ca/kq46
Rent-Geared-To-Income Housing
Social housing is developed with government assistance for low-to moderate-
income Ontarians. The length of time before a unit becomes available will
vary depending on your location. An application for rent-geared-to-income
assistance can be made through your municipal Service Manager.
Ministry of Municipal Affairs and Housing
Service Managers
www.ontario.ca/kq46
Co-operative Housing
Co-operative housing residents do not own equity in their homes, but they
have an equal say in how their community is run. A co-operative is non-prot.
When you leave a housing co-operative, your home is returned to the co-
operative to be offered to someone else in need of affordable housing.
Ontario Regional Ofce of the Co-operative Housing Federation of Canada
1-800-268-2537
www.chfcanada.coop
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Emergency Rental Assistance
Community Homelessness Prevention Initiative
This initiative supports services and activities that prevent, reduce and
address homelessness. It combines funding from the following ve former
homelessness-related programs into a single program administered by the
Ministry of Municipal Affairs and Housing:
• Consolidated Homelessness Prevention Program
• Emergency Energy Fund
• Emergency Hostel Services
• Domiciliary Hostel Program
• Provincial Rent Bank
Services are delivered by local municipalities and District Social Services
Administration Boards, also known as Service Managers.
Ministry of Municipal Affairs and Housing
Service Managers and Their Service Areas
www.ontario.ca/kq46
Landlord and Tenant Relations
Residential Tenancies Act, 2006
This legislation governs most landlord and tenant relationships across
Ontario, sets out the rights and responsibilities of landlords and tenants who
rent residential properties, and regulates most rent increases. The Act does
not cover commercial tenancies.
Landlord and Tenant Board
The Landlord and Tenant Board resolves disputes between landlords and
tenants and educates people about their rights and responsibilities. Both
landlords and tenants can le an application, after which a hearing is
scheduled. At the hearing, a member of the board will make a decision
or, if both sides agree, a mediator will try to help both parties reach an
agreement.
1-888-332-3234
www.ontario.ca/rvb
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For Indigenous Seniors
Residential Rehabilitation Assistance Program On-Reserve
The Canada Mortgage and Housing Corporation offers nancial assistance
to First Nations and First Nation members to repair substandard homes to
a minimum level of health and safety through the Residential Rehabilitation
Assistance Program On-Reserve. First Nations or individual First Nation
members that require major repairs to their homes may be eligible to apply.
The total household income must be at or below the established income
threshold for their area.
1-800-668-2642
TTY: 1-800-309-3388
www.cmhc-schl.gc.ca/en/rst-nation/index.cfm
Assisted Living Program
Indigenous and Northern Affairs Canada’s Assisted Living Program is a
residency-based program that provides funding for non-medical, social
support services for seniors, adults with chronic illness, and children and
adults with disabilities. The program helps individuals remain independent
for as long as possible, while maximizing their quality of life at home and in
the community.
Indigenous and Northern Affairs Canada
1-800-567-9604
TTY: 1-866-553-0554
www.canada.ca/indigenous-services-canada.html
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6 LONG-TERM CARE HOMES
General Information
If you are looking for information about retirement homes, please see the
HOUSING section of this guide.
Long-term care homes are designed for people who need help with daily
activities, supervision in a secure setting and/or access to 24-hour nursing
care. They are also known as nursing homes, municipal homes for the aged
or charitable homes for the aged. They are licensed or approved and funded
by the Ministry of Health and Long-Term Care and must meet provincial
standards when it comes to care, services and resident fees.
Ontario Long-Term Care Association
647-256-3490
www.oltca.com
AdvantAge Ontario
905-851-8821
www.advantageontario.ca
How to apply
If you are considering a long-term care (LTC) home, you must contact your
local Local Health Integration Network (LHIN) determines eligibility for
placement into LTC homes and manages wait lists. The LHIN will assign you
a care coordinator who can assist you in completing your application for
placement into a LTC home. You can identify up to ve LTC homes on your
application.
Local Health Integration Network
# 310-2222
Choosing a Long-Term Care Home
Your LHIN care coordinator can help you learn more about your options. Here
are a few things to consider when selecting a long-term care home:
• Is the staff friendly and concerned?
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• Do residents look content and well cared for?
• Is the home conveniently located and is public transportation available?
• Are visiting hours exible?
• Is the home able to meet your religious, spiritual, cultural, language and
• dietary needs?
• Can you keep your personal belongings secure?
• Can you bring your own furniture or food?
It is very important that you and your family visit each of the homes you are
considering.
Short-Stay Accommodation
Seniors who are recovering from illness or injury sometimes require short-
stay services offered by long-term care homes without needing to be
admitted permanently. Short-stay residents need temporary
accommodations for a maximum of 90 days in one year. Some long-term
care homes in Ontario currently offer “assess and restore” services through
the Convalescent Care Program. Some people also opt for a short stay to
give respite to their caregivers or to gain strength following a stay in hospital.
Accommodation Rates
While all nursing and personal care services are paid by the provincial
government, residents of long-term care homes must pay for their
accommodation costs (which are standard across Ontario.) This amount is
called a co-payment. The amount of your co-payment depends on the length
of your stay and the type of room you choose (private, semi-private and
basic).
Long-stay residents need permanent accommodations for an indenite
period of time. Short-stay residents need temporary accommodations for a
maximum of 90 days in one year. Accommodation rates are generally set by
the Ministry of Health and Long-Term Care on July 1 each year.
www.ontario.ca/page/nd-long-term-care-home#section-3
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If you cannot pay the monthly co-payment for basic accommodations, you
may be eligible for a rate reduction. Speak with your LHIN care coordinator
for more information.
Services
Long-term care homes are meant to feel like home – a place where every
resident feels safe and comfortable. Homes have dining rooms and common
areas, and may also have other amenities like shops, salons, worship
facilities or gardens. All long-term care homes offer 24-hour supervision and
nursing care.
The basic accommodation package includes the following:
• furnishings, meals, bed linens and laundry, personal hygiene supplies,
medical/clinical supplies and devices, housekeeping, social and
recreational programs, medication administration and assistance with
daily activities
• 24-hour nursing and personal care and access to a physician/other health
care professionals
• a unique “plan of care” that outlines your care requirements and which is
reviewed/updated at least every three months.
For a fee, you could also add other services, including cable TV, private
telephone, hairdressing services, etc. Remember that you cannot be charged
for any of these services unless you rst agree in writing.
Residents’ Rights
Residents of long-term care homes deserve to live in a respectful and
compassionate environment, free from abuse and neglect. Homes are
required to post a large-print version of the Residents’ Bill of Rights in both
English and French in locations that are easily accessible. When you are
admitted, you or your substitute decision-maker should receive a copy of the
Residents’ Bill of Rights and be told how to raise concerns, lodge complaints
or recommend changes to the home without fear of recrimination. Residents
can also contact Family Council and the Ontario Association of Residents’
Council for assistance.
www.ontario.ca/laws/statute/07l08#BK5
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Inspections
All long-term care home licensees in Ontario must comply with legislation
that sets clear and detailed standards for residents’ care, quality of life and
rights and the operation of long-term care homes. All homes receive an
inspection at least once per year. The Ministry of Health and Long-Term Care
performs unannounced inspections and applies enforcement measures.
Complaints
Anyone who is concerned about a long-term care home resident’s situation
can report it or make a complaint. This includes a resident, a family member,
someone employed by the home, anyone providing services to the resident
or any member of the public. Each home is required to post its procedure for
managing complaints. Individuals are encouraged to work with the home to
resolve concerns directly.
Long-Term Care ACTION Line
1-866-434-0144
Director, Performance Improvement and Compliance Branch
Ministry of Health and Long-Term Care
11
th
Floor, 1075 Bay St.
Toronto ON M5S 2B1
www.ontario.ca/page/long-term-care-home-complaint-process
Ontario Association of Residents’ Councils
Every long-term care home resident has the opportunity to participate on
a residents’ council. The purpose of these councils is to encourage an
exchange of ideas, suggestions and concerns. This provincial association
supports residents’ councils, represents residents and promotes a standard
of care.
1-800-532-0201
www.ontarc.com
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Family Councils Ontario
Many long-term care homes have an active family council that consists of
family and friends of residents who meet to provide each other with support,
share information and advocate on behalf of residents.
Family Councils Ontario
1-877-622-9968
www.fco.ngo
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7 SAFETY AND SECURITY
Consumer Protection
Consumer Protection Ontario helps you make smart choices in the
marketplace, spend wisely, and protect your hard-earned money.
From door-to-door sales to home renovations, scams and frauds to identity
theft, it’s important to ask the right questions and understand the dos and
don’ts to avoid being taken advantage of or ripped off.
Visit www.ontario.ca/ConsumerProtection to learn the right questions to ask
and for more detailed information about how to protect yourself and your
money. Below you’ll nd just a few examples of topics that may interest you.
Consumer Protection Ontario
1-800-889-9768
TTY: 1-877-666-6545
www.ontario.ca/ConsumerProtection
Door-to Door Salespeople
Companies that sell or rent hot water heaters, air conditioners, furnaces,
air puriers, vacuums, and water ltration systems often send door-to-door
salespeople to your home. Dealing with a salesperson at the door can be
stressful. Always get a written contract and ask the right questions to avoid
feeling pressured.
Ask:
• Can you leave me a copy of the contract to review before signing?
• If you are upgrading my water heater, can you supply me with my current
contract?
• What are my options for cancelling this contract?
Home Renovations/Condos/Moving
Before you hire a contractor to make home improvements, ask for three
references and be sure to check them. If you are thinking of downsizing to a
condo, make sure you understand the by-laws, rules and restrictions specic
to the condo before signing on the dotted line. And in planning your move,
ask the right questions of a potential moving company.
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Ask:
• Can you provide references and a written estimate before I sign a
contract?
• Who is responsible for loss or damage?
• Are you covered by the Workplace Safety and Insurance Board in case of
injury?
Scams and Frauds
Don’t Get “Phished” In by an Email
Sending an email to someone falsely claiming to be a legitimate company
or organization in an attempt to scam that person is known as “phishing”. It
is an attempt to persuade consumers to disclose personal information, like
usernames, passwords or credit card details.
“Phishers” often send messages with exciting or upsetting news and tell you
to act immediately.
These scammer emails often direct people to fraudulent websites that
appear to represent trusted organizations, such as banks. The websites
ask visitors to provide personal information, such as credit card or social
insurance numbers, bank account information or passwords. Criminals then
use this information to commit fraud.
Protect Yourself:
• Never give out banking information, passwords or other personal
information in response to this type of email.
• When in doubt, don’t click on any links in the email — instead directly
contact the company or organization with whom you do business to ask if
they sent you the email.
Telemarketing
Phony telemarketers have many different scams. One of the most common
is the bogus vacation offer.
Someone calls and says you have won a vacation. However, to claim your
prize, you are told you have to pay a processing fee. Or you may be told you
have to enter into a timeshare agreement.
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If you have not requested information or entered a contest, be very careful.
The caller may be asking for a processing fee in order to get your personal
banking information or may simply want the processing fee and have no
intention of providing you with the vacation.
Grandparent or Emergency Scams
In this scam, a con-artist phones a person claiming to be his or her
grandchild, old neighbour or friend. The caller claims to be in some kind of
trouble and needs money to be wired to them right away. The scammers may
say they are in hospital, stuck in a foreign airport or have somehow landed in
jail.
The caller often asks victims to not tell anyone in the family about the call.
They may claim that other family members will blame or punish them for the
accident or emergency.
Protect Yourself:
• Don’t ever wire money without verifying there is an emergency and the
whereabouts of a grandchild.
• Be aware that scammers may try to disguise their voices by faking a bad
phone connection.
• Be cautious; ask callers about personal details your grandchild would
know – like his or her middle name.
• Do not disclose any personal information before you verify that you are
indeed speaking with your grandchild.
• When in doubt, contact your local police department or the Canadian Anti-
Fraud Centre before sending any money.
Identity Theft
Identity theft occurs when someone uses your personal information without
your knowledge or consent to commit a crime, such as fraud or theft.
Identity thieves steal key pieces of personal information — either physically
or in other ways, without your knowledge — and use it to impersonate you
and commit crimes in your name.
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In addition to names, addresses and phone numbers, thieves look for:
• Social insurance numbers
• Driver’s licence numbers
• Credit card and banking information
• Bank cards
• Calling cards
• Birth certicates
• Passports
Identity thieves can manipulate your information and invade your personal
and nancial life. They can use stolen identities to conduct spending sprees,
open new bank accounts, divert mail, apply for loans, credit cards and social
benets, rent apartments and even commit more serious crimes.
Protect Yourself:
Never give personal information like your credit card or social insurance
number to anyone who contacts you by phone. When making nancial
transactions online, look for two things on the payment page of the website:
1. The “s” – secure web addresses start with “https://” not “http://”
2. The lock icon – secure websites show a closed lock.
Consumer Protection Ontario — your go-to source for information
Consumer Protection Ontario can help seniors ask the right questions before
they make important decisions. They can help you check if a business has
had serious complaints or charges led against them, teach you how to
protect yourself against scams, phishing and identity theft, and learn what to
do if you’re a victim. They can also help you to understand your rights under
the Consumer Protection Act.
For more information about Consumer Protection Ontario, visit:
www.ontario.ca/ConsumerProtection.
Get helpful tips on the latest consumer protection alerts through social
media:
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Like us: www.facebook.com/ONconsumer
Follow us: www.twitter.com/ONconsumer
Watch us: www.youtube.com/ONconsumer
Investment Fraud
Fraud comes in many forms, including Investment Fraud. Always take
steps to better protect yourself by checking the registration of any person
or business trying to sell you an investment or give you investment advice
before you invest. You should also know the common warning signs of
investment fraud.
Four signs of investment fraud to look for are:
1. You can make a lot of money with little or no risk
In general, higher-risk investments offer higher potential returns, and
lower-risk investments offer lower returns. This is known as the risk-
return relationship. When you buy investments like stocks, there’s no
guarantee you’ll make money. And the risk of losing money increases
with the potential return. Investments that are considered low risk
typically have returns similar to GIC rates. If your expected return is
higher than this, you’re taking more risk with your money. Learn more
about the risks of investing.
2. You get a hot tip or insider information
The sources of “hot tips” or “insider information” don’t have your best
interests in mind. Think about why they’re offering you tips, and how
they benet by telling you about them. If the hot tip is false, you will
lose your money if you act on it. If it is really inside information about
a public company, it would be illegal to act on it under insider trading
laws.
3. You feel pressured to buy
Scammers frequently use high-pressure sales tactics – because they
want to get your money and then move on to other victims. If you’re
asked to make a decision right away, or are presented with a limited
time offer, it’s likely not in your best interests. Scammers know that if
you have time to check things out, you may not fall for their scam.
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4. They’re not registered to sell investments
Before you invest, check the registration and background of the
person offering you the investment. In general, anyone selling
securities or offering investment advice must be registered with their
provincial securities regulator.
To check registration, visit www.CheckBeforeYouInvest.ca
For additional investment fraud information, visit
www.GetSmarterAboutMoney.ca
Ontario Securities Commission
1-877-785-1555
TTY: 1-866-827-1295
www.osc.gov.on.ca
Canadian Anti-Fraud Centre
This centre collects information from consumers about various types of
fraud and plays a crucial role in educating the public about specic mass
marketing fraud pitches. SeniorBusters is a group of older adult volunteers
who work to combat mass marketing fraud practices against seniors. The
SeniorBusters program offers education, counselling and referrals for senior
victims of illegal mass marketing fraud and identity theft or fraud.
Canadian Anti-Fraud Centre
1-888-495-8501
www.antifraudcentre.ca
Emergency Services and Public Safety
9-1-1
In any emergency situation whenever police, re or ambulance assistance is
required immediately, CALL 9-1-1 where available.
Emergency Preparedness
Emergency Management Ontario offers information in the form of online
emergency preparedness videos, resource links, fact sheets and a
downloadable guide for people with disabilities or special needs. Learn how
to build an Emergency Survival Kit, create a family emergency plan and stay
safe in an emergency. You can also sign up for emergency alerts.
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Emergency Management Ontario
1-800-565-1842
www.ontario.ca/beprepared
Public Safety Canada also offers a wide variety of print and online safety
tips and information, including publications such as Your Emergency
Preparedness Guide to help you and your family prepare for an emergency.
Public Safety Canada
1-800-O-CANADA (1-800-622-6232)
www.getprepared.gc.ca
Elder Abuse
“A single or repeated act, or lack of appropriate action, occurring
within any relationship where there is an expectation of trust, which
causes harm or distress to an older person.”
(World Health Organization, 2002)
Elder abuse can take many forms, including nancial, emotional, physical
or sexual abuse or neglect. It is never acceptable. If you or someone you
know is in immediate danger or if help is needed in an emergency, call
9-1-1. If you or a senior you know has been a victim of a theft, fraud or
physical assault, contact your local police department. For information and
referral to community supports that may be of assistance, call 2-1-1 or visit
www.211ontario.ca.
Elder Abuse Ontario (EAO)
EAO’s Regional Elder Abuse Consultants work with community agencies and
local elder abuse networks to:
• coordinate community resources to improve access to services by abused
or at-risk seniors
• train front-line staff to identify and respond to elder abuse
• raise awareness of elder abuse and where to nd help.
Consultants act as a key resource to justice and community service
providers and local elder abuse networks.
416-916-6728
www.elderabuseontario.com
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Fire Safety
When it comes to re safety, seniors are particularly vulnerable. Decreasing
mobility and cognitive challenges can make it harder to respond to a re and
reach safety. To stay safe, remember the following:
• Make sure you have working smoke alarms. By law, smoke alarms are
required to be on every storey of your home and outside all sleeping
areas. Test your smoke alarms monthly and change the battery once a
year or when the low battery warning sounds. If you suffer hearing loss
or sleep with the bedroom door closed, install a smoke alarm inside your
bedroom or install a ashing or vibrating smoke alarm.
• Have at least two ways out of every room if possible. Develop a home re
escape plan that considers your mobility challenges. Practice your escape
plan often. For seniors with memory concerns, record escape plans and
place copies in an easily accessible location.
• Stay in the kitchen when cooking. Cooking res are one of the leading
causes of re injuries among older adults. Turn off the stove/oven if you
leave the room while cooking. Wear tight tting or rolled up sleeves when
cooking. Loose or dangling clothing can easily catch re if it comes in
contact with the burners or open ame.
• Encourage smokers to smoke outside or use large deep ashtrays that
can’t be easily knocked over to collect ashes from cigarettes. Do not
extinguish cigarettes in plant pots, which often contain peat moss,
shredded wood and bark that can easily ignite.
• Empty ashtrays properly by dousing ashes with water, emptying them into
a metal container and placing outside. Make sure they are completely out.
Never empty ashtrays directly into the garbage.
• Never smoke in bed.
For more information on re safety contact your local re department or visit
the Ofce of the Fire Marshal website at:
www.ontario.ca/remarshal
Legal Matters
Meeting Your Legal Needs
All lawyers and paralegals providing legal services in Ontario must be
licensed by the Law Society of Upper Canada. Lawyers can help you with all
types of legal issues: family or criminal matters, civil litigation, wills, powers
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of attorney and estate matters, real estate transactions and administrative
law matters. Licensed paralegals can represent you in Small Claims Court,
at hearings before tribunals (such as the Landlord and Tenant Board) and
for minor criminal charges where the maximum term of imprisonment is six
months. The Law Society has a number of services to help you nd a lawyer
or paralegal.
The Law Society of Upper Canada
1-800-668-7380
TTY: 416-644-4886
www.lsuc.on.ca
Law Society Referral Service
If you have a legal problem, this service will connect you to a lawyer or
licensed paralegal who will provide a free 30-minute consultation to help you
determine your rights and options.
1-855-947-5255
http://lsrs.lsuc.on.ca/lsrs/
Legal Aid Ontario
Legal Aid Ontario provides legal assistance to low-income individuals and
disadvantaged communities through a broad range of services. This service
also includes information and referrals to duty counsel, community legal
clinics or other agencies. Legal aid staff will ask you questions to help you
nd the service that best ts your legal issue. Legal Aid Ontario also funds
numerous independent, community-based legal aid clinics.
1-800-668-8258
TTY: 1-866-641-8867
www.legalaid.on.ca
Advocacy Centre for the Elderly (ACE)
ACE is a specialty community legal clinic that provides low-income seniors
with legal services, including advice and representation to individual
and group clients, public legal education, law reform and community
development activities. ACE serves clients 60 years of age and over who live
in the Greater Toronto Area, and may also provide services to seniors outside
of Toronto if a case is of signicance to the seniors’ community.
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416-598-2656
www.acelaw.ca
Community Legal Education Ontario (CLEO)
CLEO is a community legal information clinic that produces free public legal
education materials about a variety of issues, including Power of Attorney,
elder abuse, etc. These publications describe the laws as simply and clearly
as possible to help people understand and exercise their legal rights. CLEO
does not give legal advice.
416-408-4420
www.cleo.on.ca
ARCH Disability Law Centre
This specialty legal aid clinic is dedicated to defending and advancing the
equality rights of people with disabilities in Ontario. ARCH legal services are
provided by lawyers and articling students who report to a volunteer elected
Board of Directors, at least half of whom are people with disabilities.
1-866-482-2724
TTY: 1-866-482-2728
www.archdisabilitylaw.ca
HALCO – HIV & AIDS Legal Clinic (Ontario)
HALCO is a community-based legal clinic that provides free legal assistance
to people living with or affected by HIV/AIDS. Along with providing summary
legal services, HALCO provides public legal education and works on law
reform and community development initiatives.
1-888-705-8889
www.halco.org
Ontario Human Rights Code
The Human Rights Code guarantees Ontarians equal rights and
opportunities without discrimination in areas such as employment, housing
and services. It prohibits discrimination on the basis of age in areas of
employment, services, goods, facilities, housing accommodation, contacts
and membership in trade and vocational associations. The Ontario Human
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Rights Code’s protection against age discrimination extends to all persons
over the age of 18.
www.ontario.ca/humanrights
Ofce of the French Language Services Commissioner
This ofce ensures compliance with the French Language Services Act in the
delivery of French services. Through its power to make recommendations,
the Commissioner strongly encourages government ministries and agencies
to proactively design policies and programs that are adapted to the
Francophone population. The ofce’s mission is to ensure that the public
receives high-quality French language services from the Government of
Ontario.
1-866-246-5262
TTY: 416-640-0093
www.csfontario.ca/en
Ofce of the Public Guardian and Trustee
This ofce delivers services that safeguard the legal, personal and nancial
interests of certain private individuals and estates. It plays a role in:
• protecting mentally incapable people
• protecting the public’s interest in charities
• searching for heirs to estates that the OPGT administers
• investing perpetual care funds
• dealing with dissolved corporations.
The Ofce of the Public Guardian and Trustee will conduct an investigation
when it receives information that an individual may be incapable and at risk
of suffering serious nancial or personal harm and no alternative solution is
available. An investigation may result in the Ofce of the Public Guardian and
Trustee asking the court for permission to make decisions on the person’s
behalf on a temporary or long-term basis.
1-800-366-0335
www.ontario.ca/rvm
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Power of Attorney
A Power of Attorney is a legal document that gives someone else the right to
make decisions on your behalf.
A Continuing Power of Attorney for Property is a legal document that allows
the person you name to make nancial decisions for you. This authority
can be used by that person while you are still mentally capable of making
decisions yourself or even in the event that you become mentally incapable
of making your own decisions about your property. In some cases, this Power
of Attorney can direct that the named person only act if you are mentally
incapable.
A General or non-continuing Power of Attorney for Property is a legal
document that only grants authority to another person while you are
mentally capable. If you become mentally incapable, the authority ends.
A Limited Power of Attorney for Property is a legal document that allows the
person you name to make decisions that are restricted in some way. This
might include a “bank Power of Attorney”, which only affects assets that are
in a named nancial institution. This Power of Attorney may be limited to a
specic period of time (for example, while you are out of the country) or for a
specic asset (for example, a house that is to be sold).
A Power of Attorney for Personal Care allows the person you name to make
personal care decisions for you if you become mentally incapable. These
decisions may involve shelter, safety, hygiene, nutrition, clothing and/or
health care. If you don’t have a Power of Attorney for personal care in place
and become incapable of making decisions about medical care or admission
to a long-term care home, a family member would still have the right to
make most decisions for you under the Health Care Consent Act. However,
if no one is willing or able to make decisions for you, the Ofce of the Public
Guardian and Trustee is required to make decisions on your behalf. This
Power of Attorney can also provide directions to your decision maker about
what kind of treatment you may want (or not want) in the event that you are
incapable of telling anyone yourself. This Power of Attorney only takes effect
if and when you are incapable.
The term “living will” refers to written directions or wishes about what
medical care you may or may not want to have in the event you become
incapable of making decisions about your care. Also known as an “Advance
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Medical Directive”, a living will must be taken into consideration by your
substitute decision makers, but it may not be binding, depending on the
circumstances at the time. Unlike a Power of Attorney for personal care, it
does not appoint a decision maker.
The Ofce of the Public Guardian and Trustee has developed a Power
of Attorney Kit that can help you appoint the person you want to make
decisions for you when you are no longer able to do so for yourself.
Ministry of the Attorney General
1-800-366-0335
www.ontario.ca/rvn
Advance Care Planning
Advance Care Planning is about making choices while you are competent
about how you wish to be cared for in the future if you become incapable of
making decisions. You can take steps now to ensure that your wishes are
followed by providing someone you trust with the authority to act on your
behalf.
Organ and Tissue Donation
It’s important that you talk to your family and friends about your decision to
donate organs and tissue so they can understand, support and respect your
wishes in the future. Even if you have signed a donor card, you still need to
register your consent. By registering your consent to donate, you ensure that
your donation decision is recorded and made available to the right people at
the right time.
If you’d like to register as a donor, you can:
• ll out the Gift of Life consent form at www.beadonor.ca
• visit a ServiceOntario Centre
• register at www.ontario.ca/page/organ-and-tissue-donor-registration.
ServiceOntario
1-866-532-3161
TTY: 1-800-387-5559
Trillium Gift of Life Network
1-800-263-2833
www.giftoife.on.ca
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End of Life
When someone close to you dies, you could be faced with making difcult
decisions with little preparation. Knowing your rights ahead of time could
make this stressful time a little easier. Ontario law protects consumers who
are making nal arrangements. For example, a funeral, transfer service,
cemetery or crematorium operator must give you a current price list of all the
supplies and services they offer before you enter into a contract, so you can
compare rates. They also need to tell you if they will receive a commission by
recommending certain services or suppliers.
By law you have 30 days to cancel a contract for funeral, burial or cremation
services and get a full refund for any part of the contract not yet provided.
In addition, all prepaid contracts written as of July 1, 2012 must be
guaranteed. This means that if you have paid your contract in full, your
service provider must supply everything specied in your contract when you
need it and without any additional charges, even if prices have gone up.
Ministry of Government and Consumer Services
1-800-889-9768
www.ontario.ca/ConsumerProtection
Bereavement Authority of Ontario
1-844-493-6356
www.bao.ca
Wills and Estates
A will is a written document in which you indicate how your assets should be
distributed upon your death. A will may also help you to take advantage of
tax-savings opportunities and tax deferrals that may arise as a result of your
death. It’s a good idea to have a lawyer who knows estate law prepare your
will. Be careful when using a “Will Kit” as some of these kits may not comply
with Ontario law. If you do not sign and witness your will in accordance with
the rules of the Succession Law Reform Act, it may not be valid.
When a person dies, it’s important to know if he or she has a will and where
it is kept. Some people le their will with local courts or with a lawyer, or
keep it in a safety deposit box or a drawer at home. The executor of an
estate carries out the wishes contained in a will.
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If a person dies without a will (intestate), then the estate is distributed
according to Ontario’s Succession Law Reform Act. The estate may also
end up being administered by the Public Guardian and Trustee in certain
circumstances if an Ontario resident dies without a will, or with a will but
with no one to act as estate trustee. If you have questions about your own
will or about being a beneciary, you should consult a lawyer.
Ministry of the Attorney General
1-800-518-7901
TTY: 416-326-4012
www.ontario.ca/rvo
Death Out of Country
If a person dies in another country, contact the nearest Canadian
government ofce in that country for instructions on how to proceed.
Emergency Watch and Response Centre
Toll-free in Canada: 1-800-267-6788
Outside Canada: 613-996-8885 (collect calls accepted)
TTY: 1-800-394-3472
Email: [email protected]
www.travel.gc.ca/assistance/emergency-assistance
Death Registration and Certicate
After a death, the attending physician or coroner completes the Medical
Certicate of Death and gives it to the funeral director with the body
of the deceased. To register a death, a family member and the funeral
director must complete the Statement of Death with information about the
deceased. Once completed, both documents are submitted to the local
municipal clerk’s ofce by the funeral director. Cause of death information
gathered from death registrations is used for medical and health research
and for statistical purposes.
A funeral director will issue copies of a proof of death that can be used in
certain situations, but some organizations may require an ofcial death
certicate. You might need a death certicate for:
• settling an estate
• insurance purposes
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• access to/termination of government services
• genealogy searches.
• ServiceOntario
1-800-267-8097
TTY: 1-800-268-7095
www.ontario.ca/page/how-get-copy-ontario-death-certicate-online
Pensions and Benets
If you are the executor to an estate, you should contact the following (as
they relate to the deceased person) to nd out about eligibility or to cancel
benets, services or appointments.
The executor should also contact former employers of the deceased for
information about company pensions and benets.
Old Age Security Program
Guaranteed Income Supplement
Canada Pension Plan
1-800-277-9914
TTY: 1-800-255-4786
www.servicecanada.gc.ca
Harmonized Sales Tax Credit
1-800-387-1193
TTY: 1-800-665-0354
www.cra-arc.gc.ca/bnfts/gsthst
Guaranteed Annual Income System
1-866-ONT-TAXS (1-866-668-8297)
TTY: 1-800-263-7776
www.ontario.ca/gains
Veterans Affairs Canada
1-866-522-2122
www.veterans.gc.ca
Workplace Safety and Insurance Board
1-800-387-0750
TTY: 1-800-387-0050
www.wsib.on.ca
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Ontario Works
www.ontario.ca/rvp
National Defence Disability and Death Benets
1-866-522-2122
www.forces.gc.ca
For more information about survivor benets, please see the FINANCES
section of this guide.
Income Taxes
As an executor, you must complete an income tax form for the deceased.
You can contact your local tax services ofce for more information and
assistance.
Canada Revenue Agency
1-800-959-8281
TTY: 1-800-665-0354
www.cra.gc.ca/cntct/prv/on-eng.html
www.cra-arc.gc.ca/tx/ndvdls/lf-vnts/dth/menu-eng.html
Banks and Credit Cards
The executor should contact the deceased person’s banks and other
nancial institutions, and credit card companies to cancel any cards.
Government Cards and Registries
The executor should contact any government agencies that apply to the
deceased person:
Driver’s Licence and Accessible Parking Permit
Ontario Health Card
Outdoors Card
ServiceOntario
1-800-267-8097
TTY: 1-800-268-7095
www.serviceontario.ca
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Social Insurance Number
Service Canada
1-800-206-7218
www.servicecanada.gc.ca
Canadian and Foreign Passports
Passport Canada
1-888-242-2100
TTY: 1-888-576-8502
www.cic.gc.ca/english/passport
Citizenship and Permanent Resident Cards
Citizenship and Immigration Canada
1-888-242-2100
TTY: 1-888-576-8502
www.cic.gc.ca
Indian Status
Crown Indigenous Relations and Northern Affairs Canada
1-800-567-9604
TTY: 1-866-553-0554
www.canada.ca/en/indigenous-northern-affairs
Firearms Licences
Canadian Firearms Program
1-800-731-4000
www.rcmp-grc.gc.ca/cfp-pcaf/index-eng.htm
Vehicles
The executor may need to look into selling or transferring ownership of any
vehicles, boats, snow machines, ATV’s or trailers, etc. and cancelling or
transferring insurance policies.
www.ontario.ca/faq/how-do-i-cancel-auto-insurance-or-transfer-ownership-
car-when-relative-dies
Property
The executor may need to:
• determine real estate and property title deeds and property taxes for
primary and secondary residences
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• ask that mail be redirected or held by the local Canada Post Ofce
• contact a utility company, cable company, telephone company, electric
company within the deceased’s municipality for name changes or
cancellations
• arrange newspaper and magazine delivery name changes or
cancellations.
Clubs, Organizations, Services and Professional Associations
In addition, the following individuals and organizations may need to be
contacted:
• heath care practitioners, caregivers or health service organizations
• frequent travellers/buyers cards
• places where the deceased volunteered
• professional organizations where the deceased was a member
• post-secondary institutions where the deceased was an alumna/alumnus.
For Veterans
Last Post Fund
Funeral and burial services, including a military-style grave marker, are
available for eligible veterans. These benets are provided by the Last Post
Fund on behalf of Veterans Affairs Canada.
Last Post Fund - Ontario Branch
1-800-465-7113
www.lastpostfund.ca
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8 TRANSPORTATION
Driving
Staying mobile is important to seniors. Growing older doesn’t mean you
have to give up driving. However, many older drivers voluntarily change their
driving habits to accommodate changes associated with aging.
Courses for Mature Drivers
If you are an older driver, consider a driving course or workshop that can
help you learn new ways to address age-related driving challenges. Along
with learning new strategies, you can review driving rules and regulations,
common causes of collisions and avoidance techniques.
55 Alive Driver Refresher Course
Canada Safety Council
613-739-1535 ext. 233
www.canadasafetycouncil.org
CAA’s Senior Driving
The Canadian Automobile Association (CAA) used decades of experience
in road safety, along with expert assistance from the Canadian Medical
Association and the Canadian Association of Occupational Therapists, to
design a toolkit for seniors and their loved ones.
Use the toolkit to:
• Assess tness to drive under different conditions
• Maintain driving condence as you age
• Take concrete steps to modify driving habits if needed
1-800-222-4357
https://www.caa.ca/seniors/
Driver’s Licence Renewal
You can renew your driver’s licence at ServiceOntario Centres.
ServiceOntario
1-800-267-8097
TTY: 1-800-268-7095
www.serviceontario.ca
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Senior Driver Renewal Program
If you are age 80 or over:
• You will have to renew your licence every 2 years.
• You need to undergo a driving record review, complete a vision test and
participate in a Group Education Session followed by an in-class cognitive
screening exercise to renew your licence. The in-class cognitive screening
exercise will help better assess your tness to drive.
• You may be required to pass a road test before being able to renew your
licence, or you may have to follow up and submit medical information.
The Driver Improvement Counsellor at the Group Education Session will
discuss this with you.
Seniors should allow at least 90 minutes to complete the new renewal
requirements.
Ministry of Transportation
1-800-267-8097
TTY: 1-800-268-7095
www.ontario.ca/page/renew-g-drivers-licence-80-years-and-over
Driver Examination Centres
DriveTest Centres provide all driver examination services such as vision,
written and road tests for all licence classes.
DriveTest
1-888-570-6110 (automated phone booking line)
www.drivetest.ca
If you don’t have a driver’s licence, you can apply for an Ontario Photo
Card to use as government-issued identication. Please see the ONTARIO
GOVERNMENT IDENTIFICATION page at the end of this guide to learn more.
Accessible Parking Permit
If you qualify for an accessible parking permit, it will be issued to you at no
cost. You can use it in any vehicle in which you are travelling. Make sure
that the permit is visibly displayed when the vehicle you are in is parked in
a designated accessible parking space. To qualify for an Accessible Parking
Permit, you must be medically certied by your health practitioner as having
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limited mobility and/or requiring mobility assistance, suffering from severe
lung or cardiovascular disease, requiring portable oxygen or having poor
vision. You can apply for a permanent permit that is good for up to ve years
or a temporary permit that is good for up to one year.
ServiceOntario
1-800-267-8097
TTY: 1-800-268-7095
www.ontario.ca/accessibleparking
If you would like to learn more about the Home and Vehicle Modication
Program, please see the FINANCES section of this guide.
Alternatives to Driving
If you are a mature driver, there may come a time when you will have to think
about limiting your driving or perhaps stop driving altogether. This could be
a difcult decision to make as you may fear losing your independence and
becoming a burden to others. Don’t be afraid to talk about your concerns
with family, friends and your doctor. Make sure that you are well informed
about available alternatives to driving in your community. Plan ahead for the
time when you may need to cut back and eventually stop driving.
Warning Signs
It’s important to recognize the signs that you may no longer be a safe driver.
Here are a few things to watch out for:
• Are you nervous behind the wheel?
• Do other drivers frequently honk at you?
• Have you had a number of fender benders and near misses?
• Do family or friends worry about your driving?
• Do your children trust you to drive the car?
• Do your children let you drive with your grandchildren in the car?
• Have you ever become lost when driving or forgotten where you were
going?
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Alternatives
There are many alternatives to driving. Here are a few options to consider:
• buses, taxis and other forms of public transit
• having friends and family members drive you
• keeping a vehicle that others drive for you
• van/bus pick-up scheduled and on demand from senior residences and
other groups
• pre-paid taxi vouchers
• walking
• volunteer driver services that may be available in your area.
Call 2-1-1 to nd organizations in your community that provide
transportation services for seniors or visit www.211ontario.ca.
Buying or Selling Vehicles
Used Vehicle Information Package (UVIP)
Over one million used vehicles change ownership in Ontario every year. To
help consumers make better informed decisions, the seller must provide a
UVIP. The UVIP is available from all ServiceOntario Driver and Vehicle Licence
Issuing Ofces.
ServiceOntario
1-800-267-8097
TTY: 1-800-268-7095
www.ontario.ca/UsedVehicle
Public Transportation
Many communities offer bus service and specialized transit services.
Specialized services such as Wheel-Trans in Toronto, Para Transpo in Ottawa
and Windsor Handi-Transit use smaller vehicles equipped with a lift or ramp
for persons using mobility devices, such as wheelchairs and scooters. Some
communities may use fully accessible buses on both xed and exible
routes.
To learn more about public transportation services in your community, call
2-1-1 or visit www.211ontario.ca.
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Volunteer Drivers
Volunteer driver services may be available in your area through the Red
Cross, your Royal Canadian Legion branch or a Seniors Active Living Centres.
GO Transit
GO Transit is a regional public transit service that serves the Greater Toronto
Area and Hamilton, with routes extending to communities across the Greater
Golden Horseshoe. GO Transit fares vary by distance travelled. Seniors 65
years or older can travel for half the regular adult fare. Single-ride tickets
and day passes are available for seniors. The majority of GO stations are
accessible to passengers who use mobility devices or prefer step-free
access.
1-888-GETONGO (438-6646)
TTY: 1-800-387-3652
www.gotransit.com
For Veterans
Veteran Graphic Licence Plate
This licence plate is available to eligible veterans whose service has been
certied by the Royal Canadian Legion. Visit any ServiceOntario centre to get
a Veteran Plate Eligibility Certication or visit www.ontario.ca/customplates.
Royal Canadian Legion - Ontario Provincial Command
905-841-7999
www.on.legion.ca
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9 KEY CONTACTS
Government of Ontario
Seniors’ INFOline
1-888-910-1999
TTY: 1-800-387-5559
Contact Seniors’ INFOline to learn more about Government of Ontario
programs and services for seniors or to request publications.
ServiceOntario
1-800-267-8097
TTY: 1-800-268-7095
www.serviceontario.ca
ServiceOntario provides a wide range of Government of Ontario information
in one location. You can access information online, by telephone or in person
at a ServiceOntario centre.
ServiceOntario Publications
1-800-668-9938
TTY: 1-800-268-7095
www.ontario.ca/publications
Contact ServiceOntario Publications to order Government of Ontario
publications.
Local Health Integration
Network contact
# 310-2222
Contact the LHIN to learn more about home and community care options
available in your community.
Telehealth Ontario
1-866-797-0000
TTY: 1-866-797-0007
Call Telehealth Ontario for condential health advice and general health
information. This service is available 24 hours a day, seven days a week in
multiple languages.
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Victim Support Line
1-888-579-2888
www.ontario.ca/bfbj
The Victim Support Line is a province-wide, multilingual, toll-free information
line providing a range of services to victims of crime.
Emergency Management Ontario
1-800-366-0335
www.ontario.ca/beprepared
Contact Emergency Management Ontario to learn more about emergency
planning.
Ofce of the Public Guardian and Trustee
1-800-366-0335
www.ontario.ca/rvm
The Ofce of the Public Guardian and Trustee safeguards the legal, personal
and nancial interests of certain private individuals and estates.
Ombudsman Ontario
1-800-263-1830
TTY: 1-866-411-4211
www.ombudsman.on.ca
Ontario’s Ombudsman takes complaints from the public about provincial
government services and resolves them wherever possible.
Government of Canada
Service Canada
1-800-O-Canada
(1-800-622-6232)
TTY: 1-800-926-9105
www.servicecanada.gc.ca
Pension Programs – Service Canada
1-800-277-9914
TTY: 1-800-255-4786
Contact Service Canada to learn more about programs and services offered
by the federal government.
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Local Government
211 Ontario
www.211ontario.ca
Call 2-1-1 to learn more about community and social services in your area.
Services are free, condential and available 24 hours a day, seven days a
week in more than 150 languages.
Association of Municipalities of Ontario (AMO)
www.amo.on.ca
Visit Association of Municipalities of Ontario’s website to learn more about
municipal services and programs available in your area, including seniors’
services, health and wellness programs, housing services, recreation, public
health and social assistance.
Community Safety
Call 9-1-1 in any emergency situation whenever police, re or ambulance
assistance is required.
Crime Stoppers
1-800-222-TIPS (8477)
www.canadiancrimestoppers.org
Call Crime Stoppers to anonymously report information about a crime or
potential crime.
Ontario Securities Commission
1-877-785-1555
TTY: 1-866-827-1295
www.osc.gov.on.ca
If you suspect investment fraud, report it immediately.
The Canadian Anti-Fraud Call Centre
1-888-495-8501
www.antifraudcentre.ca
Contact the Canadian Anti-Fraud Call Centre to report a fraud or to learn
more about fraud prevention.
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10 ONTARIO GOVERNMENT I.D.
For general information about Ontario government identication:
ServiceOntario
1-800-267-8097
TTY: 1-800-268-7095
www.serviceontario.ca
Ontario Photo Card
This wallet-sized card provides government-issued identication to Ontarians
who do not have a driver’s licence, making it easier for them to do things
such as travel, open a bank account and take part in other activities that
require ofcial identication. To apply for an Ontario Photo Card, you must be
a non-driving resident of Ontario, 16 years of age and over. The card is valid
for ve years. For more information, please visit www.ontario.ca/photocard.
Driver’s Licence
An Ontario driver’s licence is your proof that you are authorized to drive a
motor vehicle. You must carry it with you whenever you drive. This wallet-
sized card bears your digitized photograph and signature. To learn more,
please visit www.ontario.ca/page/renew-drivers-licence.
Enhanced Driver’s Licence
An enhanced driver’s licence acts as a travel document between Canada
and the United States when you are travelling by road or water. It cannot be
used to enter the United States by air. To learn more, please visit
www.ontario.ca/driving-and-roads/enhanced-drivers-licence.
Ontario Health Insurance Plan (OHIP) Health Card
Residents of Ontario must have a valid Ontario health card to show that they
are entitled to health care services paid for by OHIP. Either a photo health
card or a red and white health card is acceptable to access insured health
services provided the card is valid and belongs to you. Your health card is to
be used only to access health care services. Do not show your card or give
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your health card number to anyone other than a health care provider when
you receive services or to the Ministry of Health and Long-Term Care. For
more information, please visit www.ontario.ca/healthcard.
To Change Your Address
Ontario’s online integrated address change is a fast and easy way to notify
the government of your change of address. Information can be entered
only once and you can choose which ministries to notify of your change.
This includes your Driver’s Licence or Vehicle Registration, Health Card or
Outdoors Card. Please do not change your address before you move.
To access this online service, please visit
www.ontario.ca/addresschange.
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11 INDEX
9-1-1 68
A
Aboriginal Artists in Schools 11
Accessible Parking Permit 83
Addictions Treatment for First Nations and Inuit 49
Adult Day Programs 45
Adult Lifestyle Communities 53
Advance Care Planning 75
Advocacy Centre for the Elderly 71
Alternatives to Driving 84
Annual Events 9
ARCH Disability Law Centre 72
Assisted Living Program for First Nation Communities 57
Awards Honouring Seniors 9
B
Benevolent Funds 26
Bone Mineral Density Testing 31
Bureau of Pensions Advocates 25
C
Canada Pension Plan Retirement Pension 21
Disability Benets 22
International Benets 22
Pension Sharing 22
Survivor Benets 22
Canadian Anti-Fraud Centre 68
Canadian Mental Health Association Ontario 40
Caregiver Support Services 45
Centre for Addiction and Mental Health 40
Client Intervention and Assistance Services 46
ColonCancerCheck 29
Community Homelessness Prevention Initiative 56
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Community Homelessness Prevention Initiative 56
Community Volunteer Income Tax Program 18
Compassionate Care Benet Program 15
Complex Continuing Care 47
Computer Training 7
Congratulatory Messages 8
ConnexOntario 41
Consumer Protection Ontario 66
Continuing and Distance Education 6
Co-operative Housing 55
Courses for Mature Drivers 82
Culturally Appropriate Primary Care Services for Indigenous Seniors 48
D
Death Out of Country 77
Death Registration and Certicate 77
Diabetes 30
Diabetic Testing Agents 37
Dietitians of Canada 43
Disability Pensions and Awards for Veterans 25
Door-to Door Salespeople 63
Driver Examination Centres 83
Driver’s Licence Renewal 82
E
Eating Well with Canada’s Food Guide 43
EatRight Ontario 43
Elder Abuse 69
Elder Abuse Ontario 69
Elder and Youth Legacy Program 12
Emergency Preparedness 68
Emergency Response Service 46
Employment Insurance Benets 22
Employment Ontario 4
Employment Standards Act 6
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F
Family Councils 62
Family Medical Leave 15
Filing Your Tax Return 17
Finding a Health Care Provider 28
Fire Safety 70
Fishing and Hunting 3
Foot Care Services 46
Foreign Trained Professionals 6
Friendly Visiting Services 46
G
GO Transit 86
Guaranteed Annual Income System 21
H
HALCO – HIV & AIDS Legal Clinic 72
HIV Treatment 32
Home and Vehicle Modication Program 24
Home Help Referral Services 46
Home Maintenance and Repair Services 46
Home Renovations/Condos/Moving 63
I
Identity Theft 65
Immunizations 31
Independent Learning Centre 7
Inpatient and Outpatient Services at Hospitals 40
Inspections of Long-Term Care Homes 61
Investment in Affordable Housing for Ontario 55
Investment Fraud 67
L
Landlord and Tenant Board 56
Last Post Fund 81
Law Society Referral Service 71
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Learning About Taxes Course 18
Learning English or French 11
Legal Aid Ontario 71
Local Health Integration Network 27
Life Lease Housing 53
Lifelong Learning Plan 23
Long-Term Care Home Reports 61
M
Meal Services 46
MedsCheck 35
Meeting Your Legal Needs 70
Military-Style Grave Markers 81
N
National Aboriginal Diabetes Program 49
Newcomer Settlement Program 10
Non-Insured Health Benets for First Nations and Inuit 48
O
Ofce of the French Language Services Commissioner 73
Ofce of the Public Guardian and Trustee 73
Ofce of the Taxpayers’ Ombudsman 19
Old Age Security Pension 20
Allowance and Allowance for the Survivor 20
Guaranteed Income Supplement 20
Ontario Association of Residents’ Councils 61
Ontario Health Card 33
Ontario Human Rights Code 72
Ontario Immigration Portal 11
Ontario Job Bank 5
Ontario Parks 2
Ontario Renovates 51
Ontario Senior Games 2
Ontario Skills Passport 6
Ontario Volunteer Centre Network 8
Ontario WorkinfoNet (OnWIN) 6
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Ontario Works 24
Other Types of Investments 24
Organ and Tissue Donation 75
P
Palliative Care 47
Personal Emergency Leave 16
Power of Attorney 74
Property Tax Relief for Low-Income Seniors
and Low-Income Persons with Disabilities 52
Provincial Land Tax Deferral Program for Low-Income
Seniors and Low-Income Persons with Disabilities 52
Provincial Tax Credits and Benets 18
Public Health Units 29
Public Libraries 1
R
Rainbow Health Ontario 50
Registered Retirement Savings Plan
and Registered Retirement Income Fund 23
Rent-Geared-To-Income Housing 55
Residential Rehabilitation Assistance Program On-Reserve 57
Residential Tenancies Act, 2006 56
Residents’ Rights 60
Retirement Abroad 4
Retirement Homes 53
Royal Canadian Legion 12
S
Scams and Frauds 64
Security Checks or Reassurance Services 47
Senior and/or Disabled Property Tax Relief 52
Seniors Active Living Centre 1
Senior Driver Renewal Program 83
Senior Pride Network 12
Settlement.Org 10
Short-Stay Accommodation 59
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Smoking Cessation 41
Social or Recreational Services 47
Soldiers’ Aid Commission of Ontario 26
Specialized Geriatric Mental Health Outreach Programs 39
Supportive Housing 54
T
Tax-Free Savings Account 23
Telehealth Ontario 27
The 519 12
The Memory Project 13
Third Age Network 7
Transportation Services 47
Travelling in Ontario 3
Travelling Outside Ontario or Canada 3
U
Used Vehicle Information Package 85
V
Veteran Graphic Licence Plate 86
Veterans Independence Program 50
Volunteer Canada 8
Volunteer Drivers 86
W
War Veterans Allowance 25
Wills and Estates 76
