Senior Care Insurance & Coverage
Understanding insurance options for senior care services to help manage costs and ensure quality care. Navigate government programs, private insurance, and funding options across Canadian provinces.
Government Programs
Provincial health insurance, home care, and long-term care funding programs.
Private Insurance
Extended health benefits, supplemental coverage, and specialized senior care insurance.
Financial Assistance
Subsidies, tax credits, and financial support programs for senior care costs.
Province-Specific Funding Programs
Ontario Senior Care Programs
Coverage
Extended health benefits for seniors 65+
Eligibility
Age 65+, Ontario resident
Coverage
Personal care, nursing, therapy services
Eligibility
Medical assessment required
Coverage
Accommodation and care in LTC facilities
Eligibility
Care needs assessment
Private Insurance Options
Sun Life
Extended HealthPrescription drugs, dental, vision
Manulife
Travel & HealthTravel insurance, supplemental health
Great-West Life
Group BenefitsExtended health, disability
Blue Cross
Individual PlansHospital, drug, travel coverage
What to Look For in Private Insurance
- •Coverage Limits: Annual and lifetime maximums for different services
- •Waiting Periods: Time before coverage begins for certain conditions
- •Pre-existing Conditions: How existing health issues are covered
- •Network Providers: Which care homes and providers are covered
Additional Financial Support
Tax Credits & Deductions
- • Medical Expense Tax Credit (Federal)
- • Caregiver Credit (Federal)
- • Disability Tax Credit (if applicable)
- • Home Accessibility Tax Credit
Support Programs
- • Guaranteed Income Supplement (GIS)
- • Old Age Security (OAS)
- • Canada Pension Plan (CPP)
- • Veterans Affairs benefits
How to Apply for Funding
Government Programs
- Contact your provincial health authority
- Complete a care needs assessment
- Provide required documentation
- Wait for approval and placement
Private Insurance
- Research and compare insurance providers
- Get quotes from multiple companies
- Review policy terms and conditions
- Apply and undergo medical underwriting
Need Help Navigating Your Options?
Our care coordinators can help you understand funding options, apply for programs, and find the right financial support for your situation.