It takes an executor roughly 570 hours of effort on average to settle an estate.
Care managers provide services to elders, family members, or adjunct professions that produce a variety of benefits, add value, and increase elder quality of life. Often situations happen which signal changes may be needed in an elder’s living conditions. At other times it will be apparent that a crisis is imminent. Some of the situations that signal a change may be needed include crises, deterioration in conditions, and simple life transitions.
Case managers act as co-ordinators to help clients obtain home and community care services. They determine the nature, intensity and duration of services and provide a thorough individualized assessment that would best meet clients’ needs leading to a comprehensive plan of action. The case manager will stay in touch with the client to arrange care services and make any adjustments necessary in the event their care needs change. Each person has different needs and resources, so case managers work closely with family members to recommend which services are best suited to their loved one.
As an Elder Planning Counselor, you are now in a better position to assist Canada’s elders.
Some of the services provided include:
Government and Private case managers get referrals from many sources – among them:
The first order of business for the case manager is to do a detailed assessment of the individual involved. The case manager looks at many factors in evaluating what is the most appropriate care. Some of these factors are:
After completing this assessment, the case manager will look at such related issues as:
Questions to Ask a Care Manager:
When it comes to financial exploitation, an elder’s greatest enemy can be a family member, close friend, or trusted professional – the very people he or she should be able to count on. Elder financial abuse is the illegal taking, misuse, or concealment of funds, property, or assets of a vulnerable elder at risk for harm by another due to changes in physical functioning, mental functioning, or both. It encompasses a broad range of misconduct, including but not limited to, fraud, scams, undue influence by family members and trusted others, and illegal viatical settlements; abuse of power of attorney and guardianship; identity theft; Internet “phishing;” and failure to fulfill contacted heath care services. The “typical” victim of elder financial abuse is between the ages of 70 and 89, female, frail, and possibly cognitively impaired.
Often in cases of elder financial abuse, the elder can experience cognitive decline and increases in instances of chronic disease. This affects their decision-making abilities, and their awareness leaving them potentially susceptible to people, such as caregivers, looking to defraud, deceive, or thieve from them. The loss of a spouse or partner resulting in loneliness can often also be a large contributing factor to being susceptible and vulnerable to elder abuse.
In addition to being financially exploited by relatives, friends, and financial professionals, elder can also be exposed to any number of professional con men. Elder victims of fraud often make for flawed witnesses due to how in many cases they are unable to supply enough detailed information to secure an arrest, let alone a conviction. This is one of the many reasons why elders are targeted by professional con artists. Many con artists also rely on prolonged legal proceedings taking a heavy toll on the elderly. Many of the victims give up, become seriously ill, or simply expire long before justice is done. Both these two factors lean towards the aid of the con artist allowing for less risk when targeting an elder, another reason why they are targeted. Isolation and loneliness can also sometimes cause elders to welcome the approaches made by telemarketers and this helps facilitate the con. Telemarketing scams run the gamut – from bogus jackpot winnings, to low cost vitamins and health care products, to get rich quick schemes, to low cost – often “free” travel deals.
Types of Abuse:
For non-emergent situations of elder abuse, it is useful to go through the ABUSER checklist:
Notable signs to look for exhibited by family members committing elder financial abuse:
Any person who suspects – elder, family member, or professionals – who suspect that financial abuse of an elder has occurred should always report it immediately. Reports can be made confidentially, and the persons reporting is protected from civil and criminal liability.
Chart: Elders themselves can take several precautions to avoid falling prey to financial abuse:
Tactic | Examples |
Stay Organized | Keep belongings neatKeep track of possessionsControlling your finances by yourself |
Stay Informed | Consulting with an attorney about your futureIncluding power of attorneyReview your will |
Stay Alert | Do not leave valuables easily accessibleDo not be left out of decisions about your finances |
10 Warning signs that indicate if older adults are experiencing financial abuse:
Abusers may:
Victims may:
How one can help an elder avoid abuse from those closest to them:
The key is to keep open lines of communication with loved ones, talk to health care professionals and law enforcement when abuse is suspected, and do not delay in reaching out to the community experts to insure another person does not fall victim to abuse.
The best defence against any of the tactics used by a telemarketer is just to say, “no thank you” and hang up the phone.
Steps to determine if a telemarketer is fraudulent and how to protect oneself:
Steps to follow to prevent internet fraud:
Telltale signs that should warn consumers that a telemarketer is not on “the up and up” include:
Elder financial abuse can be once again defined as the fraudulent of otherwise illegal, unauthorized, or improper act or process of an individual, including a caregivers or fiduciary, that uses the resources of an older individual for monetary or personal bandit, profit, or gain, or that results in depriving an older individual of rightful access to, or use of, benefits, resources, belongings, or assets. All elders are at risk for elder financial abuse, and the family should often check for signs and indicators that your elder is under abuse or financially sound. If you suspect that an elder has fallen victim to a scam or that he or she is being financially exploited, your first course of action should always be to get in touch with the experts available on various elder abuse hotlines across the country, so your elder can receive the right support that is meant for them.
The idea behind legacy planning is that adverse events can also be managed by way of shared values and increasing knowledge level of the surviving family members. This allows them to make decisions for themselves while understanding how the wealth was established and taking the deceased values and desires into account. Legacy planning helps create a balance between safeguarding specific risks and reducing taxes while allowing the surviving family to deal with the deceased’s wealth as adults.
Some key questions to ask yourself to determine where to start when beginning estate and legacy planning:
Legacy planning is alike estate planning except taking it one step further to include dealing with issues such as:
If you don’t have a plan in place for your estate, its management might go against your wishes once it is passed on; as a result, it makes good sense for all elders to take the time to develop a comprehensive estate and legacy plan. In doing so they are taking thoughtful, caring steps to provide for their family and even their community. If you are beginning the legacy and estate planning process, your first concern may naturally be how to maximize what you give to your family and favorite charities by minimizing what you pay in taxes. Although legacy planning does achieve this, it also helps an elder leave a meaningful legacy and allows for them to plan for them to give back to the community through gifts and charitable donations in a multitude of different ways, proving to have endless benefits. Estate and legacy planning is not a one-time exercise, it is an ongoing process because circumstances and needs will change. These changes may put even more emphasis on the need for careful estate and legacy planning.
From two separate surveys conducted in 2012 of legacy planning mistakes of older Canadians:
Reasons for making a donation to a charity in your Will:
You may be asking I already have a Will, so why should I change it for donations? Your Will should be reviewed every few years. Changes may include marital status, birth of a child or grandchild. You want to update your Will to reflect changes and ensure your philanthropic wishes are carried out. A codicil allows you to update your will and it is not difficult or expensive.
Whether or not you already have a will, the easiest way to include a gift in your will is to get professional help from a legal advisor experienced in preparing wills. Foundations and charities themselves can also help ensure that your donation will be used as you intend by providing suggested bequest wording for your will, which you can bring to your legal advisor.
A bequest is a gift made in your will – and a highly effective way of carrying on your support for the people and causes that mattered most to you during your lifetime.
If you do not already have a Will one should be made for your estate. You need to make a Will to carry out your wishes in order to provide for those you would like to ensure benefit from your estate. If not, the people you care about including charities will not receive what you desire. If you have no Will, promises you have made may not be carried out, your wishes can be disregarded. Also, you may leave your loved ones with a legal and financial challenges to sort out.
Tax credits are provided by both the federal and provincial governments in determining tax payable. A credit is a direct reduction of tax. The maximum amount of donations that can be claimed as tax credits in a year is 75% of the taxpayer’s net income for that year. In the year of death, charitable donations can be claimed up to 100% of net income in the year of death and the year prior. Donation credits can also be carried forward five years.
Whether you have near-term cash flow priorities, long-term wealth transfer plans or philanthropic goals that will span generations, identifying your objectives is the first step when creating a legacy plan. Often, the best way to do this is through open and honest discussions with family members and trusted advisors. Good communication is critical to a healthy family life and equally important for preserving wealth. Generally, families that succeed through generational transitions of their legacy have developed real trust—and that trust is built through compassionate and candid conversation.
Elders can also volunteer their time as well as a charitable gift of money. Time commitments vary by volunteer opportunity. Consult the volunteer opportunities to see which roles might fit with your schedule.
Gift and donation planning is an important part of legacy planning. Many of us can make a gift from our estate to help support charities we care about. As seen above, there are considerable tax benefits to making end-of-life charitable gift. While there are no estate taxes in Canada, any taxes that apply during one’s lifetime also apply at death. If an elder leaves a gift to a registered charity, his estate can use the receipts issues to eliminate taxes owing. Charitable gifts made through a will are the most common form of end-of-life gifts and can be made in many ways including the following:
Although one might see legacy planning as setting the stage for “ruling from the grave”, this process may actually help avoid this issue. For example, where an individual has accumulated wealth and is concerned that the next generation may not properly plan for financial issues or make unwise investment decisions, one approach is to try and control these issues by using a trust. Under such an approach, investment decisions are deferred to trustees and restrictions may be placed on the ability of the beneficiaries to access income and capital from the trust. Trusts can also produce substantial tax savings, especially when combined with an incorporated owner-managed business.
The Six Steps to Legacy Planning:
Legacy Planning Checklist
In preparing an estate and legacy plan, elders should also attempt to avoid the following traps:
Valuable Tips for Legacy Planning:
Older adults have a wealth of skills, experience and knowledge to share that creates positive community spirit and impact. Volunteering gives the opportunity to learn new things and expand this knowledge for personal growth while helping others. Offering your skills, talents and time not only gives purpose but it simply feels good too.
When you volunteer, you discover that the most important things you have to offer are not things at all. As a result, you begin to realize that your time, presence and attention are great resources. Undoubtedly, seniors make up a large percentage of volunteers and are a staple to community groups and organizations. With this in mind, seniors should participate in service geared towards their individual abilities and interests.
Volunteers have the satisfaction of helping others while enjoying the benefits of staying active and connected to their communities. Seniors who volunteer report better overall physical and emotional health and well-being than non-volunteers. Other benefits include feeling valued and empowered, meeting new people, opportunities for creativity and personal growth, and having fun.
Volunteering can be an important part of a healthy, active retired life. If you’re planning for retirement, consider how you’ll spend your time. Many people retire and find they don’t have enough to do. Volunteer work can make the transition from formal employment to retirement easier.
Surprisingly, volunteering doesn’t just benefit the organization that the seniors support – it also provides and produces several benefits for the elder volunteer themselves including:
When it comes to physical health, the benefits of volunteering are many. Here are just a few:
Many volunteers invite someone close to them to come along and help. This can extend the health benefits of volunteering to someone in their circle – and deepen a friendship.
Volunteering may not be the first thing people think of, when feeling down or lonely. But studies show that volunteering can have great benefits for a person’s mental health. Here are a few examples:
Where to get started? Think about how much time you have to volunteer and the kinds of things you enjoy doing. Then contact your local volunteer centre or other community organization to find out about volunteer opportunities that meet your needs.
According to the Corporation for National Community & Service, the most common forms of volunteering are:
Where to find volunteer opportunities:
There are numerous volunteer opportunities available. The key is to find a position that you would enjoy and are capable of doing. It’s also important to make sure that your commitment matches the organization’s needs. Ask yourself the following:
Don’t limit yourself to just one organization or one specific type of job. Sometimes an opportunity looks great on paper, but the reality is quite different. Try to visit different organizations and get a feel for what they are like and if you click with other staff and volunteers.
Tips to make sure that your volunteer position is a good fit:
Volunteering doesn’t have to take over your life to be beneficial. The important thing is to volunteer only the amount of time that feels comfortable to you. Volunteering should feel like a fun and rewarding hobby, not another chore on your to-do list.
When the time comes, downsizing for seniors can present a multitude of emotional and physical challenges. Sorting a household of possessions – and wading through a lifetime of memories – can be daunting for both seniors and their caregivers. As overwhelming as it may seem, downsizing can help to create a simple, safe and stress-free environment for your senior loved one.
Elders move for many of the same reasons that younger adults move – their existing home no longer “fits,” they want to live in a better neighborhood, or closer to family. The typical nursing home resident in Canada is age 85 or older and she faces many challenges including multiple chronic diseases along with problems with mobility, memory and incontinence. Many residents are completely dependent on staff for the most basic activities of daily living. Many elders that do not fit this description or are younger than 85 choose to downsize into another home. If you are an elder that does not currently need this type of care, downsizing and moving into another home may also be what is best for your situation.Real estate in Canada has enjoyed an enormous boom in recent years, and that’s allowed many long-time homeowners to build significant wealth without really trying. That can give you more options in retirement.
Aging in place is something that is desired by most Canadian elders. For some elders, it means staying in the same house they have occupied for years. But it may also mean simply staying in the same community, although in a different, smaller, building. In some contexts, aging in place means any alternative to moving to a long-term care facility, such as renting an apartment that offers extra support for living.
When the time comes, downsizing for seniors can present a multitude of emotional and physical challenges. Sorting a household of possessions – and wading through a lifetime of memories – can be daunting for both seniors and their caregivers.
If the need to downsize comes up unexpectedly due to health or other concerns, the weight of the task can be more challenging to process. The majority of seniors over the age of 70 have more than they need – but find it incredibly difficult to give up their items.
As overwhelming as it may seem, downsizing can help to create a simple, safe and stress-free environment for your senior loved one.
As desirable as aging in place may be, it is important to note that aging in place may be inappropriate for seniors living in older structures that require extensive ongoing maintenance. New forms of housing that do not require frequent repairs and that can be easily fitted with supports as their residents age may be a more comfortable choice. In this situation, the favorable idea would be for the elder to downsize or move out of their current home.
Sample Questions to Determine if an Elder Requires a Change in Housing:
Common reasons for an elder to downsize or move out:
When evaluating an elder housing needs, the following issues should be taken into consideration:
Long term care is another factor that must be considered when an elder is thinking of downsizing of moving out of the home. Long term care may be needed in one of two ways:
Scheduled: Scheduled activities are those that can be performed on a regular schedule at times of the day. For example, people may lose the ability to dress themselves. If scheduled visits are arranged to give assistance with that single ADL, these individuals can function adequately during the remainder of the day with minimum support system at home. If scheduled care is only needed for you, downsizing may be the right move.
On-demand: On-demand activities are those that must be taken care of on demand. As a chronic condition progresses, a person will need help in performing activities of daily living when no they require assistance at any time during the day. Scheduled visits will not be enough to provide adequate care. The individual may require long term care in a setting other than the home because they will need help throughout the day. If on-demand care is needed for you, moving out of your home is an option that could be considered.
Many seniors and elders can and will remain in mainstream housing. This includes those who stay in the housing they have occupied all their working lives and those who downsize to condominiums or rental apartments. Many seniors prefer to stay in their homes, especially since most are healthy enough to not need assisted care.
Chart: Elder Housing Options:
Type of Housing | Description | This housing may be good for you if: |
Aging in Place | Staying at home has the advantage of keeping an elder in a familiar place. To elders who choose to stay at home or downsize there is also a wide range of service available for them and home modifications to make life easier. | The elder has a close network of family, friends, etc. The neighborhood is safe The home can be modified The elders physical and medical needs do not require a lot of care |
Independent and Active Lifestyle Accommodation | Often referred to as an adult lifestyle community, this type allows elders to access specialized programs such as transportation. These communities may be apartment complexes, condos, or even free-standing homes. | They start needing minor assistance with activities of daily living They’d like a place that does not require a lot of maintenance |
Assisted Living Accommodation | Assisted living services provide housing, hospitality services and personal care services for adults who can live independently and make decisions on their own behalf, but require a supportive environment due to physical and functional health challenges. | The elders needs more personal care services than at home or in an adult lifestyle community The elder doesn’t need round-the-clock medical care alike a nursing home |
Short-Term Residential Care | Short-term residential care services are provided on a short-term basis (usually less than three months) and include convalescent care, residential hospice palliative care and respite care. | Respite care provides a client’s main caregiver a period of relief, it can also provide a client with a period of supported care to increase their independence Convalescent care is provided to clients with defined and stable care needs who require a supervised environment for reactivation or recuperation prior to discharge home, most commonly following an acute episode of care |
Long Term Care | Residential care services are provided in facilities that provide 24-hour professional care and supervision in a protective, supportive environment for people who have complex care needs and can no longer be cared for in their own homes or in an assisted living residence. | The elder’s medical and personal needs have become too great to handle at home The elder needs temporary care after hospitalization |
Often with some renovations, an elder can remain in his or her own home for life. The most common adjustments done to the home include renovations on:
Systems to assist an elder in the process of downsizing:
Innovative housing options and technology can help older Canadians remain in their own homes or downsize while maintaining ownership as they age – but when this becomes unworkable, there are now several attractive housing alternatives available. Elder’s residences are available for elders who want housing that is designed to meet their needs, health care or convenient access to recreation and leisure activities.
Older Elders face many important decisions when it comes to their living arrangements. Some of these decisions are voluntary, while others are necessitated because of changing health needs, finances, or the death of a spouse.
Whatever the situation, it is imperative that the elder be a part of the process and is respected for whatever the choice is that they make.
The federal government recognizes that Canadians with severe disabilities face a higher cost of living. The disability tax credit (DTC) is a non-refundable tax credit that helps people with disabilities, or their supporting persons reduce the amount of income tax they may have to pay. Once an individual is eligible for the DTC, they may claim the disability amount on their income tax and benefit return. The purpose of the DTC is to provide for greater tax equity by allowing some relief for disability costs, since these are unavoidable additional expenses that other taxpayers don’t have to face.
Being eligible for the DTC can open the door to other federal, provincial, or territorial programs such as the registered disability savings plan, the working income tax benefit, and the child disability benefit.
Individuals experience impairments to their health that mean they can no longer conduct one or more of the ‘normal functions of daily life’. There may be compensation available!
We refer to this as “found money”, because it costs the individual nothing for HRC to undertake an analysis of their circumstances. There is no cost or investment to undertake the investigation and processing. HRC works on a ‘contingency’ basis, which means sharing in any compensation recovered – at a rate of 25%. If no compensation is achieved, the client pays nothing. There may also be an ‘ongoing’ benefit to the client, which HRC does NOT share in.
HRC undertakes the investigation, analysis, application, processing and securing of the compensation. There is very little effort needed from the client. Any compensation is paid directly to the client.
The applications can be done retroactively over a number of past years. They can even be done on behalf of estates of deceased individuals, allowing them to give one final gift to loved ones.
HRC pays you a referral fee if you refer someone and they receive found money.
The client receives a written guarantee their information will be kept private and confidential.
Getting started is easy. Just contact HRC by phone or email or have us contact you by passing your information to anyone who has referred you to us.
There are many reasons why we tend to slow down and become more sedentary with age. It may be due to health problems, weight or pain issues, or worries about falling. Or perhaps you think that exercising simply isn’t for you. But as you grow older, an active lifestyle becomes more important than ever to your health.
Physical activity can improve your mental health, help you manage chronic diseases, and help to prevent illness and disability. In the long run, it will also give you more energy, increase your self-confidence and help you stay independent.
To be eligible for the Disability Tax Credit, an individual must have a severe and prolonged impairment in physical or mental functions, which is present all or substantially all of the time (at least 90% of the time), and that has last or is expected to last for a continuous period of at least 12 months.
Chart: Maximum Disability Amounts
Year | Maximum Disability Amount |
2019 | $8,416 |
2018 | $8,235 |
2017 | $8,113 |
2016 | $8,001 |
2015 | $7,899 |
2014 | $7,766 |
2013 | $7,697 |
2012 | $7,546 |
2011 | $7,341 |
2010 | $7,239 |
2009 | $7,196 |
Eligibility is based on the effects of the individual’s impairment, which must fall into one of the following categories:
Eligibility is not based on the medical condition except where the person is blind. Activities such as working, recreation, housekeeping, or social functions are also not included in the definition of basic activities of daily living for the purposes of the disability tax credit. The fact that a person has a job does not disqualify that person from the disability tax credit.
A recent Swedish study found that physical activity was the number one contributor to longevity, adding extra years to your life—even if you don’t start exercising until your senior years. But getting active is not just about adding years to your life, it’s about adding life to your years.
Getting moving can help boost your energy, maintain your independence, protect your heart, and manage symptoms of illness or pain as well as your weight. Regular exercise is also good for your mind, mood, and memory.
Physical Health Benefits for Elders:
Myths about aging:
My client is a person with health impairments. There are hundreds of types of situations which may qualify but approval requires investigation and analysis. The government works to a formula and logic process which is not obvious to the average person, or most accountants and doctors. I prepare the applications for the doctor’s approval. There are many other factors that must be accounted for and require my specialized knowledge, including the impact of bankruptcy on my client. The financial returns achieved for my clients vary based on their situation. My clients to-date are in every province and territory.
There are many exercise programs developed especially for seniors. It’s important to choose an exercise that is both enjoyable for you and safe.
Low-impact activities like walking, hiking, swimming, and water aerobics or aquafit classes (instructor-led exercise classes in a swimming pool) are great choices.
Community and seniors’ centres often provide exercise programs tailored to the needs and abilities of seniors.
The Canadian Society for Exercise Physiology (CSEP) also is a great resource and lists a number of exercises designed for seniors.
Finding an activity that motivates you will help you stick to your exercise routine. Sign up for a class, join a walking or running group, or make plans with an exercise buddy. Or, consider training for a local sporting event or the 55+ BC Games. This will not only keep you focused, but it will also help you make social connections and stay engaged in your community.
Basic Tips to stay motivated with daily physical activities:
An increasing number of studies, in fact, have demonstrated that our health is in our own hands – determined by the many choices we make each day in relation to nutrition, fitness, and lifestyle.
Isolation and withdrawal are not a part of a natural progression of aging and that physiological and social needs in old age are no different from middle age. This implies that to age optimally, one should stay active and maintain the activities of middle age if possible, substituting new activities when necessary.
Elders are not only capable of exercise but require it to maintain independence and good mental functioning as well as to reduce the risk of disease. Aerobics (walking, swimming, etc.) is essential.
Even healthy elders experience losses that can affect their capacity to receive and understand information. Changes in both visual and auditory acuity can severely impact an elder’s capacity to absorb information. These changes take place gradually and may be barely noticeable at first. Physical changes include declines in strength, speed of execution, fine motor control, hand-eye coordination, and sensitivity to touch. Elders may also be present with presbyopia, or a variety of other age-related vision disorders. Many of these conditions and disorders can develop into physical impairments or are already classified as physical impairments.
In addition to the benefits to the cardiovascular system, aerobic exercise can:
The Benefits of Regular Physical Activity:
Reduces the risk of developing diabetes, high blood pressure, and colon cancer.
Many types of exercise can be very advantageous to the quality of life of the elder. Strength training can help elders in performing the basic activities of daily living, to become independent again. Stretching and balance exercises such as yoga or Tai Chi are particularly beneficial for elders who have arthritis. These types of exercises can also be helpful in preventing falls. The key is to focus on a non-rigorous – but consistent – exercise regime.
As we age, we undergo several physiological changes, which affect not only how we look, but also how we function and respond to daily living. Many elders experience poor circulation, one way to address it is to develop activity routine, which conserves energy and yet includes opportunities for movement. The following is a list of some physical impairments and conditions and how daily activity can provide solutions:
The Day Program offered by Adult Day Care centers provides a wide range of therapeutic, physical, recreational, social, and mentally stimulating activities. Activities like crafts & woodworking, fitness & movement therapy, gardening, and many more.
The Residential Rehabilitation Assistance Program for Persons with Disabilities (RRAP Disabilities) is another program that elders can take advantage of that provides financial assistance to low income Canadians with disabilities who want to make their homes more accessible. Both homeowners and landlords can qualify for assistance.
A health status assessment provides the missing ingredients necessary to determine the health of an elderly person. A checklist of the benchmarks used in assessments of this nature are:
Exercise Tips for Elders:
Chart: Physical Sensory Changes Impairment Affecting Communication
Sensory Change | Examples of Types of Communication Affected |
Visual Acuity | Printed Materials, Product LabelsSignage / Media Information |
Hearing Acuity | Interpersonal communicationTelephoneTelevision and Radio |
Agility, Mobility, Touch | Banking machinesProduct packagingAssembling kits and building items |
Tips for Communicating with Visually Impaired Elders:
Tips for Communicating with Hearing Impaired Elders:
There is no need for most elders to fear getting older. Many of the once-disabling problems of aging can be coped with though improved lifestyles choices, health care and the use of assisting devices. Simple but effective changes in the home’s environment can be made to help elders maintain independence.
In the last decade, hundreds of studies have shown that a healthy diet and a little exercise go a long way toward healthy aging.
The secret is a healthy lifestyle – which includes, getting plenty of appropriate physical activity, and the maintenance of a healthy body weight. The best way to try and retain our youth is via a healthy lifestyle, proper nutrition, regular exercise, and a satisfying and fulfilling life are the best ways to “turn back time”.
DNA contains valuable information about each individual, from the color of their hair, eyes and other physical traits, to their inherited health risks, medical conditions and ancestral roots. Preserving DNA allows you to capture all of this information forever. Whether you choose to preserve DNA as a meaningful way to cherish your loved one, or for tracing hereditary health conditions in your family, DNA banking creates opportunities that would otherwise be lost forever. Anyone can preserve their DNA, but it is particularly important for families with a history of disease such as cancer, Alzheimer’s, heart disease, diabetes, and stroke. DNA banking can take place at any time in life, but it becomes particularly urgent for elderly family members and family members who have a critical illness where DNA must be collected as soon as possible before it becomes too late.
A large number of serious diseases can be traced to our genetic makeup. Having a clear picture of a family’s genetic history can assist future generations in understanding their health risks and allows them to take preventative measures to mitigate the devastating effects of disease before it is too late. Without proper purification and preservation techniques, enzymes and contaminants will eventually break down the DNA in any sample. DNA preservation ensures the long-term viability of a sample for future testing purposes.
At death, the information coded in a person’s DNA begins to degrade. DNA Banking is the best option for families who wish to preserve the genetic legacy of their loved ones and create opportunities for genetic testing if ever required by future generations to understand the source and nature of diseases within the family. Some families have a higher risk of cancer because family members carry an inherited gene mutation that is passed from a parent to a child. Some inherited gene mutations are linked to a family cancer syndrome (also called an inherited or hereditary cancer syndrome), such as Lynch syndrome.
The key features of a family history that may increase risk are:
Being aware of your family health history is an important part of a lifelong wellness plan. Even if you don’t have a history of a particular health problem in your family, you could still be at risk. This is because:
Anyone can preserve their DNA, but it is particularly important for families with a history of disease such as cancer, Alzheimer’s, heart disease, diabetes, and stroke. DNA banking can take place at any time in life, but it becomes particularly urgent for elderly family members and family members who have a critical illness where DNA must be collected as soon as possible before it becomes too late. A large number of serious diseases can be traced to our genetic makeup. Having a clear picture of a family’s genetic history can assist future generations in understanding their health risks and allows them to take preventative measures to mitigate the devastating effects of disease before it is too late.
A family medical history can identify people with a higher-than-usual chance of having common disorders, such as heart disease, high blood pressure, stroke, certain cancers, and diabetes. These complex disorders are influenced by a combination of genetic factors, environmental conditions, and lifestyle choices. A family history also can provide information about the risk of rarer conditions caused by mutations in a single gene, such as cystic fibrosis and sickle cell disease.
Knowing your family history can help you take steps to lower your risk of developing cancer or other genetic conditions. This may include:
Whether you choose to preserve DNA as a meaningful way to cherish your loved one, or for tracing hereditary health conditions in your family, DNA banking creates opportunities that would otherwise be lost forever. Anyone can preserve their DNA, but it is particularly important for families with a history of disease such as cancer, Alzheimer’s, heart disease, diabetes, and stroke. DNA banking can take place at any time in life, but it becomes particularly urgent for elderly family members and family members who have a critical illness where DNA must be collected as soon as possible before it becomes too late. Having a clear picture of a family’s genetic history can assist future generations in understanding their health risks and allows them to take preventative measures to mitigate the devastating effects of disease before it is too late.
Real estate in Canada has enjoyed an enormous boom in recent years, and that’s allowed many long-time homeowners to build significant wealth without really trying. That can give you more options in retirement. If you’re a homeowner over the age of 55 with no major debts, you may be able to access the equity in your home without having to move or sell. Understanding the different mortgage financing options will help you make the best decision for your situation, whether you need extra money for maintenance or to update your home. There are many housing options for seniors and older adults in B.C. Whether you own or rent your home, or live in a supported or assisted living environment, there are programs and information that can help with your housing needs.
If you own an expensive home, you can add to your cash saving by downsizing or relocating. Some homeowners are selling modest-sized homes, buying condos nearby, and winding up with hundreds of thousands of dollars in their pocket.
The equity in your home can also provide a back-up plan if you run low on savings. If you stay put, you can cover essential expenses by borrowing against it with a reverse mortgage or home equity line of credit-albeit only as a last resort. Later in life, if you move into a retirement or nursing home, the proceeds from selling your house can defray those costs for year. Even if you never draw on your home equity, it can provide a great legacy for your kids.
Types of Mortgage Financing:
A few years ago, the biggest players in residential mortgages started allowing seniors to use imputed income from their retirement funds, IRAs and other retirement assets to qualify for the loan they wanted.
This policy change allows seniors to use the balances in these accounts to supplement their earnings on paper without ever taking out any money. Before this change, some seniors were turned down for loans because their debt-to-income didn’t match high standards even though they had great equity in their homes, had some savings and had good credit scores.
If you are a Canadian homeowner older than 55, you can get up to 50% of your home’s value through a reverse mortgage. A reverse mortgage is a loan that allows you to get money from your home equity without having to sell your home. This is sometimes called “equity release”. You may be able to borrow up to a certain percentage of the current value of your home. The maximum amount you will be able to borrow will depend on your age, your home’s appraised value and your lender. You are not required to make any mortgage payments and don’t have to pay any interest or principal until you sell the home or die. The mortgage is paid off from the proceeds of the home’s sale.32 In general, the older you are and the more home equity you have when you apply for a reverse mortgage, the more money you could get.
With a reverse mortgage, the existing home equity is used as security for the funds provided by the reverse mortgage. After the reverse mortgage is established, any future growth in the value of the house goes to the homeowner. (If the home falls in value, the reverse mortgage lender takes the loss—the lender guarantees that the borrower will never owe more than fair market value of the home.)
Reverse Mortgage Facts and Requirements:
Benefits of a Reverse Mortgage:
Important Questions to Ask:
Tax Implications:
According to Canada Revenue Agency (CRA), simple reverse mortgage payments and lines of credit are not taxable since they are equivalent to loan advances from a traditional mortgage. When reverse mortgages are used for investment purposes, the accruing mortgage interest is tax-deductible against any investment returns generated with the mortgage proceeds, providing individuals with a stream of tax-sheltered income. Furthermore, while annuity income is taxable, the income generated by a reverse mortgage annuity is not.
According to the U.S. regulations, the executor is personally liable for any taxes and penalties owed by the estate until the IRS grants official clearance. This could become applicable in the event that the elder intentionally or “accidentally” becomes a U.S. resident or domiciliary. The Canada-US Tax Treaty also does not offer true harmonization – and this can expose elders to what can amount to double taxation.
Two financial institutions offer reverse mortgages in Canada:
Seniors may also be interested in rent subsidies or subsidized housing. SAFER (Shelter Aid for Elderly Renters) is a program that provides monthly cash payments to eligible B.C. seniors who pay more than 30 per cent of their before-tax income for rent. It is run by BC Housing.
Some of the following questions may assist an elder in their decisions when considering options about their mortgage:
Tips and ways to deal with distribution of possessions:
After years of diligently paying their mortgages, many Canadians now have significant value locked up in their homes. A reverse mortgage lets homeowners access the value in their home, without having to make any regular payments, until they choose to sell or move. For homeowners 55 and over, a reverse mortgage is often a better option than a traditional home equity line of credit.
Putting solid plans into place is an intentional act of stewardship that expresses a person’s values and shows what was important to them in life. It helps an elder to leave a meaningful legacy. Good mortgage, property, and asset planning will reduce the complication and expense of dealing with the estate. Planning may also increase the assets an elder leaves to the people and causes that are nearest and dearest to them.
Thinking ahead can help ensure that informed and thoughtful decisions are made. Pre-planning also allows elders input in their own funerals; to compare prices and help spare the survivors the stress of making funeral decisions while distraught and under significant time pressures.
When a love one dies, grieving family members and friends are confronted with dozens of decisions about the funeral. These decisions must be made quickly and often under great emotional duress. What kind of funeral should it be? Which funeral provider should be used? Should the body be cremated, or buried, or donated to science? Which services are optional and which ones are mandated by law? What other arrangements need to be made? And how much is it all going to cost? All of these questions can be answered saving the family much unnecessary stress during emotional times with funeral prepaying.
Funeral planning is an extension of will and estate planning.
The benefits of planning in advance:
Pre-need planning can be done directly with a funeral home. A funeral paid for in advance of need is always a good investment. With today’s inflation rate moving ever upward, your costs are fixed.
Types of funerals elders can choose from when pre-planning:
Advantages:
The cost of a funeral should be prepaid through funeral insurance.
The loss of a loved one creates emotional and financial stress. Leaving funeral plans, until after a death compounds the problem. Thus, funeral pre-planning is universally regarded as wise and ultimately unavoidable.
Many people are faced with decisions pertaining to their living situations, care, end of life planning, investments and plans for retirement. All of these situations require financial components and how you can support yourself and your family members as you age. No matter your occupation, taxes, income and benefits all need to be managed in order to create a better idea of how to plan for your future. There are several options to help you fund your retirement. Government programs available to almost all Canadians, such as the Canada Pension Plan and Old Age Security, help give you a basic level of income. And during your working years, the Registered Retirement Savings Plan and Tax-Free Savings Accounts give a tax-advantaged option for you to save for retirement. An elder’s retirement pension is based on three things: how much they contributed, how long they contributed, and the age at which they chose to retire.
Other options for business owners funding their retirement include the Individual Pension Plan and Retirement Compensation Arrangements. Since qualifying for the maximum Old Age Security benefit is as simple as meeting the residency requirements it should come as no surprise that the vast majority of elder Canadians receive a benefit that is at or close to the maximum.
Becoming financially secure is a realistic and obtainable goal, once an elder understands the necessary strategies and techniques for reaching his or her objectives. Fortunately, gaining the knowledge for success is neither complicated nor mysterious.
High Income Elders must repay some or all the Old Age Security benefits they receive. In 2018, this “claw back” began at a net income of $75,910. Any income above this threshold is subject to a 15% claw back.
The Canada Revenue Agency (CRA) has very broad powers to seize any of your tax return money in order to collect outstanding tax arrears. The CRA will simply send a letter to your bank or to the Income Security Programs (the office responsible for OAS and CPP benefits) to advise them how much of your pension or other money must be sent to the CRA for tax arrears. In practice, there is sometimes room for negotiating the amount that will be seized by the CRA.
Support or maintenance arrears for children and/or spouses if you are behind in your support or maintenance payments, 50% of your pension income can be seized to pay these arrears. In Ontario, this is often done through the Family Responsibility Office. To stop this seizure of funds, you have to apply to court and explain why the court should make a new order reducing or eliminating the outstanding arrears.
The spousal and survivor allowance stops when the recipient becomes eligible for the Old Age Security Pension at 65, they leave Canada for more than 6 months, or dies. For a couple, the allowance stops if the recipient’s spouse or common-law partner ceases to be eligible for the Guaranteed Income Supplement or if the spouses or common-law partners separate or divorce. In addition, the Survivors Allowance stops if the survivor remarries or lives in a common-law partnership for more than 12 months. With the help of a Financial Advisor, we can help get you on track for a financially secure retirement.
OAS
Old Age Security benefits must be applied for. The application for basic benefit and Guaranteed Income Supplement should be made six months prior to turning age 65.
To qualify for the Old Age Security pension, an individual must have lived in Canada for 40 years or since attaining the age of 18. The eligibility for Old Age Security (OAS) pension and the Guaranteed Income Supplement (GIS) will gradually increase from 65 to 67 over six years, starting in April 2023.
All Benefits payable under the Old Age Security Act are “indexed.” They are adjusted in January, April, July and October – if there are increases in the cost of living as measured by the Consumer Price Index.
Once paid a full or partial Old Age Security pension has been approved, it may be paid indefinitely outside Canada – so long as the pensioner had lived in Canada for at least 20 years after reaching the age of 18. Otherwise, payment will be made only in the month of the pensioner’s departure from Canada and for six additional months thereafter. The benefit may be reinstated if the pensioner returns to live in Canada and continues to meet eligibility requirements.
A person who does not qualify for a full pension may, however, apply for a partial pension plan if he or she has lived in Canada for a minimum of 10 years after age 18. For each year of residence, a credit of 1/40th of the full pension plan is earned.
Guaranteed Income Supplement
There are two basic rates of payment for the Guaranteed Income Supplement:
Spousal and Survivor Allowance
Recipients of the benefits must re-apply annually. The benefits received are not considered income for income tax purposes and the allowance is not payable outside Canada beyond a period of 6 months, regardless of how long the person lived in Canada.
CPP
CPP Disability benefits are payed monthly to people who have contributed to the plan and who are disabled due to a qualifying physical or mental condition. According to Canada Pension Plan definitions, the disability must be “severe and prolonged.” “Severe” means that the condition prevents the individual from working regularly at any job, and “prolonged” means the condition is either long term or that it may result in death.
If there is no estate at the time of a death, the CPP Death Benefit is given to the person responsible for the funeral expenses, the surviving spouse, common-law partner or the next of kin may be eligible, in that order.
The Survivors Benefit is made payable monthly to a surviving spouse. The rate is based on the survivor’s age, but for those over 65 you can expect 60% of your deceased spouse’s monthly CPP now passed to you.
The OAS pension is a monthly payment available to seniors aged 65 and older who meet the Canadian legal status and residence requirements. In addition to the OAS pension, there are three types of OAS benefits:
The spousal and survivor allowance is designed to recognise the different circumstances faced by many surviving spouses and by couples living on the pension plan of only one spouse or common-law partner.
If you are already receiving OAS, low income elders may also qualify for the Guaranteed Income Supplement. The amount of the supplement is dependent on what OAS benefits you are currently already receiving and the income level of both the recipient and the spouse.
The Canada Pension Plan Death Benefit is a one-time lump-sum payment made to the deceased contributor’s estate. As with most Canada Pension Plan Benefits, the amount of the death benefit depends on how much and for how long, payments were made into the Canada pension plan. Canada’s Pension Plan Death Benefit has a max onetime payout of $2500. Its intent is to reimburse the purchaser of your funeral arrangement.
The Income Security Programs Branch of Human Resources Development of Canada (HRDC) administers the Old Age Security program through regional offices located in each province and territory. They are there to help you stay connected to your federal benefits.
Business Owners
Business owners may plan to fund their retirement by selling their business. However, this can be risky because there are lots of unknowns. It’s important to consider whether you’ll have a buyer ready when you want to sell. You should have your business’s fair market value evaluated before looking for buyers.
Depending on the structure of your business, a change of owner could trigger a legal name change or require the registration of a new business number (BN) and new program accounts.
Without help from an Accountant or Financial Advisor, there are many tax loopholes, conditions and actions the government puts forth during your retirement. As a senior, you are still charged income tax as you retire. Like employment income, most retirement income is taxable. That includes Canada Pension Plan (CPP), Old Age Security (OAS) and company pension payments. It includes income from annuities and registered retirement income funds (RRIFs). It doesn’t, however, include withdrawals from your tax-free savings account (TFSA). But past a certain taxable income level, the government will ask you to return some of your OAS payments. If your income is high enough, you’ll have to give it all back. And generally speaking, past December 31 of the year you turn 71, you can’t use registered retirement savings plan (RRSP) contributions to reduce your tax bill.
With the help of Advisorly’s Financial Advisor, we will give you the tools necessary to ensure a finically supported future. Our Financial Advisor will help you navigate the assets of your business, arrange and invest your income in a proactive manor, apply for federal financial benefits and help you stay up to date or get back on track with your taxes. In order to look to the future, we must first take a look at your current financial status and start from the ground up. By dealing with our Financial Advisor, we will help you elevate the stress of planning for your future and give you some security going forward.
Life is filled with many wonderful things. The 80 and 90 years we anticipate living may not seem long enough to enjoy them all. With all the opportunities ahead of us, it seems a pity to waste a single minute worrying about money.
It is surprising, the number of people who neglect to complete a will or, if they do have a will prepared, put off having it reviewed to ensure it is up to date.
Completing a will and having it reviewed periodically makes good sense. Not only does it give the personal representative the power to make decisions that will minimize income taxes, but also it gives specific instructions as to how the estate should be administered.
A will is a written declaration of a person’s intent for dispersing property and other assets after they have died. It outlines the guardianship of children and who is to administer the estate. The law requires a person to have legal capacity to make the Will, and to follow certain requirements as laid out by the law. The Will can be changed at any time, since it does not activate until death occurs and its instructions only deal with the Estate handling after death.
Your Will should be reviewed every few years. Changes may include marital status, birth of a child or grandchild. You want to update your Will to reflect changes and ensure your philanthropic wishes are carried out. A codicil allows you to update your will and it is not difficult or expensive.
Whether or not you already have a will, the easiest way to include a gift in your will is to get professional help from a legal advisor experienced in preparing wills. Foundations and charities themselves can also help ensure that your donation will be used as you intend by providing suggested bequest wording for your will, which you can bring to your legal advisor.
A bequest is a gift made in your will – and a highly effective way of carrying on your support for the people and causes that mattered most to you during your lifetime.
If you do not already have a Will one should be made for your estate. You need to make a Will to carry out your wishes in order to provide for those you would like to ensure benefit from your estate. If you have no Will, promises you have made may not be carried out, your wishes can be disregarded. Also, you may leave your loved ones with a legal and financial challenges to sort out.
Usually a lawyer will require two witnesses to sign additional documents known as affidavits. Affidavits establish the identity of the witnesses. People who receive gifts from the will, commonly known as beneficiaries, or their spouses should not sign as witnesses. Do so may disqualify them from receiving an inheritance from the estate.
A second type of will is called a holograph will. These wills that are written and signed by the testator but not witnessed, and the document is hand-written by its author.Such wills are often used when time is short and witnesses are unavailable, for example when the testator is trapped in a life-threatening accident.This type of will is valid in most, but not all provinces. Writing a holograph is not advisable, because it may not have all the information needed to make it clear or complete, making them partly or entirely ineffective.
All the above information begs the Question, “Have you made a Will?” When the Will’s order of content is examined, the first thing that is evident is the need for liquidity – CASH. Debts and taxes come first.
There are four basic ways to provide liquidity (cash) at death:
Major reasons to have a will created and up to date:
Wills usually name an executor, or an administrator, who is responsible for carrying out the instructions in the will, overseeing it’s terms, and settling the estate. It can be an individual or a Trust Company.
Fees for executors based on the Fair Market Value of the estate assets as of the date of distribution:
There can be some confusion as to what a “living will” is. The basic concept is quite simple. The living will (also known as an advanced directive) allows people to leave instructions about their possible medical treatment for doctors and family members, in case there comes a time when they are no longer capable of making decision, or of communicating them. This usually occurs at the end of your life (although not exclusively) and is specific as to how you want to be treated during your final days.
The living will is alike a “power of attorney” that one appoints to manage their finances once they become incapacitated. The difference is that a living will is a medical directive.
Powers of attorney may be specific or general and may be springing or enduring.
A specific power of attorney enables one to act for another for a specific purpose; for example, to sell a car. A general power of attorney enables one to act for another for several purposes.
A formal will is drawn up by lawyers who are trained to draft documents that are complete and can accommodate family births and deaths without becoming obsolete. Only the original, signed document is valid. For a will to be legally valid, serval technical requirements must be meant, and each province has different requirements. To ensure a will is legally valid, elders should obtain the assistance of a legal professional.
Although not legally binding if written outside of a will, leaving written instructions that clearly explain what is to be done with your things will help make your wishes clear to the executor and beneficiaries. Most often, an executor will oversee the distribution of personal possessions. If there is are no specific instructions in the will, the executor will likely allow family members to divide your personal items among themselves. This could lead to misunderstanding or disappointment.
A carefully prepared will can go a long way toward reducing the chance of arguments among those who have a claim to the estate. Giving items to the people who enjoy them most and ensuring that the beneficiaries see the process as fair are both important considerations when deciding who will receive personal effects.
Changes that Necessitate a Will Review:
Tips to deal with the distribution of personal possessions:
Things to include in an elder’s Will:
For power of attorney one should consider the following matters:
Misconceptions when it comes to Powers of Attorney:
Valuable Tips:
It makes good sense for all elders to take the time to develop a comprehensive estate and legacy plan; including finalizing wills, power of attorney, executors, and primary beneficiaries. In doing so they are taking thoughtful, caring steps to provide for their family and possibly even their community.
Putting solid plans into place is an intentional act of stewardship that expresses a person’s values and shows what was important to them in life. It helps an elder leave a meaningful legacy.
Once an elder puts an estate and legacy plan into place, he invariably feels a well-deserved sense of satisfaction.
Good planning will reduce the complications and expense of dealings with the estate. Planning may also increase the assets an elder leaves to the people and causes that are nearest and dearest to them.
Crime Victim Assistance Program
Call toll free in BC at 1-866-660-3888
Seniors abuse and information line and Elder Law Clinic – Operated by the BC Centre for Elder Advocacy Support, SAIL is a safe place for older adults to talk to someone confidentially about situations where they feel they, or someone they know, is being abused or mistreated and to seek advice and support.
Seven days a week (excluding holidays), 8:00 a.m. – 8:00 p.m. P.S.T
Vancouver: 604-437-1940
Toll-free: 1-866-437-1940
Seniors health care support line – allows seniors and their families, or other concerned individuals in their lives, to report concerns about their care.
Monday to Friday, 8:30 a.m. to 4:30 p.m. PST
Toll-free: 1-877-952-3181
The Canadian Anti-Fraud Centre
Phone (toll-free): 1-888-495-8501
VictimLINK – Help line for victims of family violence offering services in over 110 languages, including 16 North American Aboriginal languages.
Toll-free, confidential telephone service available across BC and Yukon 24 hours a day, 7 days a week at 1-800-563-0808
Text to 604-836-6381
www.victimlinkbc.ca
Email: victimLinkBC@bc211.ca
Canada Helps – For more than 19 years, CanadaHelps has been the trusted charity, informing, inspiring and connecting charities and donors, with the causes they care about. We have facilitated over $1 billion in giving.
Phone (toll-free): (877) 755-1595
Charities Directorate of Canada
Phone: 1-800-267-2384
By TTY service for people with a hearing or speech impairment: 1-800-665-0354
Charity Intelligence Canada
Phone: 416.363.1555
General: info@charityintelligence.ca
Canadian Red Cross – Volunteer in any of the Red Cross’s key service areas.
Phone: 1-800-418-1111
General Email: myrcsupport@redcross.ca
Website: https://www.redcross.ca/volunteer/contact-us
Community Volunteer Income Tax Program – For information about the Community Volunteer Income Tax program, to find out how to become a volunteer or to find a participating community organization in your area, visit the Canada Revenue Agency website.
Website: www.cra.gc.ca/volunteer
Idealist – Find volunteer opportunities in your local area or internationally.
Website: https://www.idealist.org/en/
National and Community Services – Federal organizations offering volunteer positions across Canada
VolunteerMatch – Find opportunities that match your volunteer interests, from location to type of work.
Website: https://www.volunteermatch.org/search?l=Canada%2C%20KY%2041519
Volunteer Canada – Directory of environmental volunteer opportunities.
Volunteer BC
Phone (Metro Vancouver): 604 379 2311 Email: volunteerbc@gmail.com
Website: www.volunteerbc.bc.ca
BC Housing and the Housing Registry
Phone (toll-free): 1 800 257-7756
Phone (Metro Vancouver): 604 433-2218
Vancouver Island Regional Office
Phone (toll-free): 1 800 787-2807
Phone (Greater Victoria): 250 475-7550
Interior Regional Office
Phone (toll-free): 1 800 834-7149
Phone (Penticton): 250 493-0301
Northern Regional Office
Phone (toll-free): 1 800 667-1235
Phone (Prince George): 250 562-9251
Phone (Prince Rupert): 250 627-7501
B.C. Seniors’ Home Renovation Tax Credit – The B.C. Seniors’ Home Renovation Tax Credit is a refundable personal in- come tax credit to assist with the cost of permanent home modifications that improve accessibility or help a senior be more functional or mobile at home.
Phone (toll-free): 1 877 387-3332
Email: ITBTaxQuestions@gov.bc.ca
Mailing Address: Income Taxation Branch
PO Box 9444 STN PROV GOVT
Victoria BC V8W 9W8
Website: www.gov.bc.ca
(enter “seniors home renovation tax” in Search field)
Home Adaptations for Independence Program – The Home Adaptations for Independence program helps low-income seniors and people with disabilities finance home modifications for accessible, safe and independent living. Eligible homeowners and landlords with eligible tenants can receive up to $20,000 per home in the form of a forgivable loan. The exact amount is based on the cost of materials and labour necessary for the required adaptations.
Phone (toll-free): 1 800 257-7756
Phone (Metro Vancouver): 604 433-2218
Email: hafi@bchousing.org
Website: www.bchousing.org/HAFI
Seniors’ Housing & Support Initiative (Union of B.C. Municipalities)
Phone (Greater Victoria): 250 356-2947
Email: lgps@ubcm.ca
Website: www.ubcm.ca/EN/main/funding/lgps/current-lgps-programs/seniors- housing-support-initiative.html
Seniors’ Supportive Housing
Phone (toll-free): 1 800 257-7756
Phone (Metro Vancouver): 604 433-2218
Website: www.bchousing.org/Options/Supportive_Housing/SSH/SSH
Shelter Aid for Elderly Renters Program – The Shelter Aid for Elderly Renters (SAFER) program provides monthly cash payments to subsidize rents for eligible B.C. residents who are age 60 or over and who pay rent for their homes.
Phone (toll-free): 1 800 257-7756
Phone (Metro Vancouver): 604 433-2218
Website: www.bchousing.org/programs/SAFER
Assisted Living Registry
Phone (toll-free): 1 866 714-3378
Phone (Greater Victoria): 250 952-1369
Email: info@alregistrar.bc.ca
Mailing Address: PO Box 9638 STN PROV GOVT
Victoria BC V8W 9P1 Website: www.health.gov.bc.ca/assisted
Canadian Society for Exercise Physiology
Phone: 1-877-651-3755
Website: www.csep.ca/guidlines
Canadian Physical Activity Guidelines: http://www.csep.ca/CMFiles/Guidelines/CSEP_PAGuidelines_older-adults_en.pdf
Disability Tax Credit
Phone (toll-free): 1 800 959-8281
Website: www.cra-arc.gc.ca/disability
Physical Activity Line – For every age and health level, there’s a free physical activity plan that works. Just connect with B.C.’s Physical Activity Line or PAL. At PAL, you’ll find qualified exercise professionals to provide you with custom physical activity plans that meet your needs.
Phone (toll-free): 1 877 725-1149
Email: info@physicalactivityline.com
Website: www.physicalactivityline.com
Physical Activity – Getting and staying active benefits our bodies, helps us stay engaged in life, improves our mood and mental health, and gives us opportunities to meet new people. For more information, refer to the Your Lifestyle section of this guide, or visit the Healthy Families BC website.
Website: www.healthyfamiliesbc.ca/activity-lifestyles
Seniors’ Community Parks – Seniors’ Community Parks in B.C. provide free outdoor exercise equipment and are designed to help older adults stay mobile, healthy, and physically active in their communities.
Phone (toll-free): 1800 663-7867
Acute, Home and Community Care Services – Look under “Health Authorities” in the blue pages of your phone book for the number in your area or check the HealthLink BC website for information. You can also call HealthLink BC at 8-1-1. You can find more information about home and community care services in the Your Health section of this guide.
Phone (toll-free): 8-1-1
Website: www.healthlinkbc.ca
Age-friendly BC (Age-friendly Communities)
Email: AgefriendlyBC@gov.bc.ca
Website: www.gov.bc.ca/agefriendly
BC Partners for Mental Health and Addictions Information – Seven provincial mental health and substance use agencies are working together to provide evidence-based information on mental health and substance use.
A toll-free information line provides 24-hour taped information on various mental health and substance use disorders, including symptoms, causes, treatment, options, support groups and community resources. The website is an excellent source of information for individuals and families.
Phone (toll-free): 1 800 661-2121
Phone (Metro Vancouver): 604 669-7600
Website: www.heretohelp.bc.ca
Bounce Back: Reclaim Your Health – Speak with your health care provider about this program for those with depression and anxiety.
Website: www.cmha.bc.ca/how-we-can-help/adults/bounceback
Loneliness: Seniors Speak Out – Seniors Speak Out about Loneliness is a resource produced by Seeking Solutions, a national project funded by Health Canada and the National Population Health Fund.
Website: www.agingincanada.ca/Seniors%20Speak%20Out%20About… Loneliness2.pdf
Problem Gambling – The Problem Gambling Help Line is a confidential, toll-free service available to all British Columbians. The help line provides counselling information and referral 24 hours a day, seven days a week. Information and referral specialists can provide immediate information for problem gamblers, their families and friends, and can refer callers to professional problem gambling counselling services around the province.
Phone (toll-free): 1 888 795-6111
Phone (Deaf/hard-of-hearing, collect calls accepted): 604 875-0885
Website: www.bcresponsiblegambling.ca
Seniors’ Health Information (HealthLink BC)
Phone (toll-free): 8-1-1
Phone (Deaf/hard-of-hearing [TTY], toll-free): 7-1-1
Website: www.healthlinkbc.ca
Website: www.healthlinkbc.ca/commonhealthconcerns/seniorshealth
Senior’s Supplement Program
Ministry of Social Development and Social Innovation
Phone (toll-free): 1 866 866-0800
Website: www.mhr.gov.bc.ca/PROGRAMS/other.htm#ss
Alzheimer Society of British Columbia
Phone (toll-free): 1 800 667-3742
Phone (Metro Vancouver): 604 681-6530
Arthritis Answers Line – For every question, there is an answer. The Arthritis Answers Line is here as your source of help and hope.
10 a.m. to 4 p.m., Monday to Friday
Phone (toll-free): 1 800 321-1433
Phone (Metro Vancouver): 604 875-5051
Phone (interpreter services, toll-free): 1 877 228-2557
Phone (interpreter services, Greater Vancouver): 604 675-4099
Arthritis Society
Phone (toll-free): 1 866 414-7766
Phone (Metro Vancouver): 604 714-5550
Email: info@bc.arthritis.ca
Website: www.arthritis.ca/bc
Assisted Living Registry
Phone (toll-free): 1 866 714-3378
Phone (Greater Victoria): 250 952-1369
Email: info@alregistrar.bc.ca
Mailing Address: PO Box 9638 STN PROV GOVT
Victoria BC V8W 9P1 Website: www.health.gov.bc.ca/assisted
BC Cancer Agency
Phone (toll-free): 1 800 663-3333
Phone (Metro Vancouver): 604 877-6000
Website: www.bccancer.bc.ca
Brain Health for Seniors – Five easy steps to help you promote your brain health. Website: www.yourbrainmatters.org.au
Risk factors for Alzheimer’s disease and what you can do to help reduce those risks.
Website: www.alzheimer.ca/en/bc/About-dementia/Alzheimer-s-disease/Risk- factors
Canadian Diabetes Association
Phone (toll-free): 1 800 226-8464
Phone (Metro Vancouver): 604 732-1331
Email: info@diabetes.ca
Website: www.diabetes.ca
Dementia Helpline (First Link©)
Phone (toll-free): 1 800 936-6033, 9 a.m. to 4 p.m, Monday to Friday
Phone (Metro Vancouver): 604 681-8651
Website: www.alzheimer.ca/en/bc/We-can-help/Resources/First-Link-dementia- helpline
Multiple Sclerosis Society of Canada
National Office
Phone (toll-free): 1 800 268-7582
Website: www.mssociety.ca
Lower Mainland Chapter Office
Phone (Metro Vancouver): 604 689-3144
Email: info.bc@mssociety.ca
Osteoporosis Society of Canada (B.C. Division)
Phone (English, toll-free): 1 800 463-6842 Phone (French, toll-free): 1 800 977-1778
Email: bcdivision@osteoporosis.ca
Website: www.osteoporosis.ca
Parkinson Society British Columbia
Phone (toll-free): 1 800 668-3330
Phone (Metro Vancouver): 604 662-3240
Email: info@parkinson.bc.ca
Website: www.parkinson.bc.ca
HomeOwner Grant for Seniors – For more information about the homeowner grant and the low-income supplement, including who qualifies and how to apply, visit:
Website: www.gov.bc.ca/homeownergrant
Seniors’ Housing & Support Initiative (Union of B.C. Municipalities)
Phone (Greater Victoria): 250 356-2947
Email: lgps@ubcm.ca
Website: www.ubcm.ca/EN/main/funding/lgps/current-lgps-programs/seniors- housing-support-initiative.html
Seniors’ Supportive Housing
Phone (toll-free): 1 800 257-7756
Phone (Metro Vancouver): 604 433-2218
Website: www.bchousing.org/Options/Supportive_Housing/SSH/SSH
Shelter Aid for Elderly Renters Program – The Shelter Aid for Elderly Renters (SAFER) program provides monthly cash payments to subsidize rents for eligible B.C. residents who are age 60 or over and who pay rent for their homes.
Phone (toll-free): 1 800 257-7756
Phone (Metro Vancouver): 604 433-2218
Website: www.bchousing.org/programs/SAFER
Allowance/Allowance for the Survivor
Phone (Canada & USA, English, toll-free): 1 800 277-9914
Phone (Canada & USA, French, toll-free): 1 800 277-9915
Phone (Deaf/hard-of-hearing, toll-free): 1 800 255-4786
Websites: www.servicecanada.gc.ca/eng/services/pensions/oas/allowance.shtml www.servicecanada.gc.ca/eng/services/pensions/oas/allowance-survivor.shtml
B.C. Low Income Climate Action Tax Credit
Websites: www.gov.bc.ca (enter “low income climate tax” in the Search field)
www.cra-arc.gc.ca/bnfts/rltd_prgrms/bc-eng.html
Canada Pension Plan
Phone (Canada & USA, English, toll-free): 1 800 277-9914
Phone (Canada & USA, French, toll-free): 1 800 277-9915
Phone (Deaf/hard-of-hearing, toll-free): 1 800 255-4786
Website: www.servicecanada.gc.ca/eng/services/pensions/cpp
Phone (toll-free): 1 800 959-8281
Website: www.cra.gc.ca/cpp
Employment Insurance (EI) Benefits
Phone (Service Canada, toll-free): 1 800 206-7218
Website: www.servicecanada.gc.ca/eng/sc/ei
EI Compassionate Care Benefits
EI provides compassionate care benefits to persons who have to be away from work temporarily to provide care or support to a family member who is gravely ill with a significant risk of death.
Website: www.servicecanada.gc.ca/eng/sc/ei/benefits/compassionate.shtml
EI Sickness Benefits
EI provides sickness benefits to individuals who are unable to work because of sickness, injury, or quarantine.
Website: www.servicecanada.gc.ca/eng/sc/ei/benefits/sickness.shtml
Federal and Provincial Non-refundable Tax Credits
Federal
Phone (toll-free): 1 800 959-8281
Website: www.cra-arc.gc.ca/tx/ndvdls/sgmnts/snrs/ddctns-eng.html
Provincial
Website: www.cra-arc.gc.ca/menu-eng.html (enter “British Columbia income tax credit” in Search field)
Goods and Services Tax (GST) Credit
Phone (toll-free): 1 800 959-1953
Website: www.cra-arc.gc.ca/gsthstcredit
Guaranteed Income Supplement
Phone (English, toll-free): 1 800 277-9914
Phone (French, toll-free): 1 800 277-9915
Phone (Deaf/hard-of-hearing, toll-free): 1 800 255-4786
Website: www.servicecanada.gc.ca/eng/services/pensions/oas/gis
Income Assistance for Seniors Not Receiving Old Age Security Pension – If you are 65 or over and not eligible for the Old Age Security pension and the Guaranteed Income Supplement, you may be eligible for income assistance from the Ministry of Social Development and Social Innovation. Eligibility is based on your income, assets and shelter costs.
Phone (toll-free): 1 866 866-0800; press 3
Old Age Security (OAS) Pension
Phone (English, toll-free,): 1 800 277-9914
Phone (French, toll-free): 1 800 277-9915
Phone (Deaf/hard-of-hearing, toll-free): 1 800 255-4786
Website: www.servicecanada.gc.ca/eng/services/pensions/oas/pension/index.shtml