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Seniors
This section contains information of interest to seniors such as legal issues, health issues, housing options, homecare, and caregiving.
Please refer to other sections of this website for information on insurance products for seniors such as guaranteed-issue life insurance, long term care insurance, critical illness insurance, medical/dental plans and travel insurance.
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Advance Care Planning Guide
Of all the choices you make in life, among the most important could be the choices you make now about your future personal care including health care. If an illness or accident left you unable to make decisions for yourself, who would make the decisions for you? This guide helps you understand not only the importance of advance care planning, but how to go about it.
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Pension Calculator
Find out what your income will be from all sources at your planned retirement date. Enter your income sources and amounts, your planned retirement date, and this calculator will factor in your benefits from CPP and other government sources.
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CPP Forms
This is where you can print application forms for various CPP benefits such as applying for pension benefits, disability or death benefits, pension sharing with a spouse, direct deposit of cheques to your bank account, plus much more.
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CPP/OAS Deposit Dates for 2006
This is where you will find a list of the direct deposit dates for 2006 for CPP Benefits and OAS benefits. If you are not currently receiving your benefits by direct bank deposit and would like to do so, you can print off the request forms from the link above called “CPP Forms”. Direct deposit offers several advantages … your cheques cannot be lost or stolen, and if you are traveling your money will be available for access while you are away.
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Ontario 2006 Co-Payment Rates for LTC Facilities
Ontario has announced its 2005-2006 rates for Long Term Care facilities will be held at the 2004 rates. Check here for room rates. For elders who have incomes below $1,596/month, you may qualify for a further rate reduction. Ask your facility director for an Application for Reduction in Long Term Care Fees.
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Homecare Bill of Rights
Learn what your rights are regarding services you receive through government-provided Homecare.
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Homecare Complaints and Appeals
Not happy with the services you are receiving for homecare through your local Community Care Access Centre? Here is where you can learn about your rights and appeals.
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Long Term Care Bill of Rights
What are the elder's rights when residing in a Long Term Care Centre? How do you make a complaint if you feel your rights have been violated? What will happen when you make a complaint? This is where you can learn all about Ontario's Long Term Care Bill of Rights.
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The Care Guide
Information for senior housing, care services, and related issues. Locate a residential facility in your area, or find information on other care services.
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Legal Issues
"Elder law" is a growing area of legal practice which recognizes that seniors face special issues. Some of these include "Living Wills" or health directives, Powers of Attorney, and protection against elder abuse. Learn more here about your legal options.
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Elder Abuse
"I believe my 80-year-old friend is being abused by her daughter. ... She never seems to have anything to eat in the house ... She never knows what is happening with her money and just shrugs when I ask her about it and says her daughter has Power of Attorney..."
If you believe someone is being taken advantage of or abused physically, verbally or financially, this is where you can learn more about rights and obtaining help.
Not sure what constitutes 'Elder Abuse'? Learn more about Elder Abuse here.
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