- Federal benefits.
- Canadians living and working in Ontario are likely eligible for Canada Pension Plan (CPP) benefits at retirement. At age 60 you may apply for a permanently reduced amount, or defer to after age 65 for an increased pension.
- Find retirement homes in Ontario.
Privately owned and funded entirely by resident fees, these 55+ communities are designed for seniors who do not have significant mobility or medical issues. Retirement Communities provide a variety of social, culinary, fitness and support services to all residents, who enjoy a relaxing and maintenance-free lifestyle. Shared accommodation, private condos, or cottage-style residences are all available to select from. -
Ontario is a premium retirement destination for many Canadians – thanks to a thriving economy, modern medical and financial infrastructures, and moderate weather. Over 12 million residents reside in the province, with seniors constituting 14.2% of this population. The province’s largest city is Toronto, which is situated on the shores of Lake Ontario. Home to over four million, 12.4% of the city’s population are senior citizens – a number that’s slated to grow to 20%+ by 2036. - Canadian residents may apply for Old Age Security (OAS) at age sixty-five. To be eligible you must have resided in Canada for a minimum of ten years as an adult (18 years of age and up). Your employment history is not a factor in determining eligibility. .
- International benefits, made possible due to social security agreements, are available to Canadians living outside Canada, but who have previously been a resident of Canada for twenty years. If you are a survivor of an individual that has worked in Canada and internationally, you may also be eligible
- Guaranteed income supplement (GIS)
Low-income Canadian residents receiving OAS, may be eligible to receive a Guaranteed Income Supplement. Your household income must be within preset parameters. Note: Beginning in April 2023, the eligible age for OAS and the GIS will increase from age 65 to age 67 over a six-year period with full implementation by Jan 2029. Those affected were born on or after April 1, 1958. - Allowance program.
If you are age 60 – 64, a legal resident and citizen of Canada, having lived in Canada for 10 years since age 18, and your spouse or common-law partner is receiving OAS and GIS, you may be eligible for an allowance benefit – your household income will be considered for eligibility. If you have not lived in Canada for 10 years but your country of residence has a social security agreement with Canada, you may be eligible for a partial benefit. - Allowance for the survivor
If you earn a low income and have lived in Canada and your spouse or common-law partner is deceased, you may be eligible for the Allowance for Survivor benefit. To be eligible you must be age 60 – 64, be a Canadian citizen or legal resident, and lived in Canada for at least 10 years after age 18. This allowance will stop at age 65 when you may be eligible for OAS and a GIS.
Planning
Who Needs This? Do you?
Most people don’t know they need this! Only 3 slides tells a story
Elderly Couple Lost $300,000
November 28, 2018
Financial, Insurance, Planning, theRIPregistry, Uncategorized
She worked all her life for her retirement and build a nest egg and future for her and her family.
This happens all to often, but we are unaware and go thru life not giving it a second thought. If you have been an executor have you considered or even thought what could be missing and all the work involved. This registry keeps it organized and its simple.
Just print a Go-To Report and use it as your checklist. It’s easy and gives you and your loved ones peace of mind when the unexpected happens. The RIP Registry is FREE and a necessary tool to help you and it’s FREE.
Sign up at theRIPregistry.com and get your ducks in a row!
Why The RIP Registry?
In today’s world there is so much happening and we are rushing thru life at record speed. We want to ensure we build a portfolio for our retirement and to leave a legacy behind, when the time comes. I felt a need to create this for myself and soon realized, I’m not alone and there is a general need for a registry like this. It all started with my dad going to the hospital and having to drop everything to take care of my aging sick mother.
ENERGY & FOOD – Aid and Support for your loved ones!
Energy
The Ontario Energy Board’s Low Income Energy Assistance Program (LEAP) provides low-income customers up to $500 in emergency financial assistance to pay their gas or electricity bills ($600 if their home is heated electrically). Low-income Enbridge customers can apply for the Home Winterproofing Program. Enbridge also offers the Community Energy Conservation Program in some parts of Ontario, which brings with it incentives of up to $2,000 to qualified homeowners.
Food
Call 2-1-1 to find agencies which provide grocery shopping rides, to find Meals on Wheels or food banks if you or your loved one are mobile. Some municipalities, such as Toronto, operate Good Food Box programs, which deliver boxes of affordable, fresh produce to pick up locations on a regular basis. Call 2-1-1 to find out what food or meal programs are available near you. Help With Pet Costs
Dogs or cats are essential to the wellbeing of many seniors, but paying for their expenses can be worrisome if money is tight, especially if they fall ill. If you don’t have enough money to pay vet bills, you might be eligible for help from the Farley Foundation.
If you or your loved one is in need of more information on financial assistance for seniors, call 2-1-1 Ontario at any time to speak with us about an individualized plan to help minimize your financial concerns and allow you to age without boundaries!
more at #seniorsforseniors
Follow & like us on https://twitter.com/theripregistry; https://www.facebook.com/
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It is important to document their legacy (whatever that may be) for when the time comes. You don’t want your last memories to be one of stress and searching and planning. theRIPregistry.com will help you or your loved ones keep organized. It is a go to check list for when the time comes ensuring you keep your legacy where it matters.
Listen to the many stories how the system can fail us. We pay into insurances, investments and into our portfolio, building a legacy only to one day have it lost or unclaimed.
Check our first blogs where you will find stories of unclaimed monies, safety deposit boxes and more
- Elderly Couple Lost $300,000
- National Trust GIC of $2000.36 lost with acquisition of Scotia Bank
- Vehicle Repossessed
HEALTH & HOME CARE ASSISTANCE
Health Care
- Most of the costs for approved drug prescriptions are covered under the Ontario Drug Benefits (ODB) program if you or your loved one are 65 or older.
- A wide array of health care benefits are also provided to war vets by the War Veterans Allowance.
- If you or your loved one have a long-term physical disability you/they can apply to the Assistive Devices Program (ADP) for financial support for equipment or supplies ranging from home oxygen to wheelchairs to hearing aids.
- There are no specific provincial dental program for seniors, although some community health clinics offer free care and some dental hygiene schools as well as offer reduced prices in their student clinics. Call 2-1-1 to find out what is available in your area.
Home Care
For health care or personal support in your home, the first step is to contact a Community Care Access Centre (CCAC). Call 2-1-1 to find your local CCAC. CCAC staff will coordinate in-home services such as nursing, personal support, physiotherapy, or medical supplies and equipment. Both 2-1-1 and CCACs can also refer you to additional support services such as:
- Homemaking
- Caregiver relief
- Friendly visiting
- Home maintenance and repair services
- Snow removal services for seniors
more at #seniorsforseniors
Follow & like us on https://twitter.com/theripregistry; https://www.facebook.com/
____
It is important to document their legacy (whatever that may be) for when the time comes. You don’t want your last memories to be one of stress and searching and planning. theRIPregistry.com will help you or your loved ones keep organized. It is a go to check list for when the time comes ensuring you keep your legacy where it matters. It is Free
Financial Assistance for Seniors -LEGAL HELP
Community legal clinics, which offer services to all low-income seniors, can help if you or your loved one are having difficulty applying for a tax refund or receiving your/their pension or you/they need help preparing a will or a power of attorney form. To find Community Legal Clinics, call 2-1-1.
more at #seniorsforseniors
Here is a 29second short video for details.
Follow & like us on https://twitter.com/theripregistry; https://www.facebook.com/
____
It is important to document their legacy (whatever that may be) for when the time comes. You don’t want your last memories to be one of stress and searching and planning. theRIPregistry.com will help you or your loved ones keep organized. It is a go to check list for when the time comes ensuring you keep your legacy where it matters. It is Free
A desperate mom rushes into a supermarket carrying her lifeless toddler – then she turns around and runs out.
Amazing story. A simply fever… Life is so delicate!
Financial Assistance for Seniors -TAX REFUNDS/REBATES
Tax Refunds/Rebates (for your loved ones)
Tax Refunds/Rebates
In order to receive most government assistance, it’s important that you or your loved one have filed your/their taxes, as you/they may be eligible for tax refunds. Low-income adults of any age can get help filing taxes through free community volunteer income tax clinics. Here are some tax credits you or your loved one might qualify for:
- The Ontario Trillium Benefit (OTB)
- The Healthy Homes Renovation Tax Credit
- The Provincial Land Tax Deferral Program for Low Income or Those With Disability
- The Federal Excise Gasoline Refund Program
more at #seniorsforseniors
Here is a 29second short video for details.
Follow & like us on https://twitter.com/theripregistry; https://www.facebook.com/
____
It is important to document their legacy (whatever that may be) for when the time comes. You don’t want your last memories to be one of stress and searching and planning. theRIPregistry.com will help you or your loved ones keep organized. It is a go to check list for when the time comes ensuring you keep your legacy where it matters. It is Free
Here is a 29second video that explains why and how this membership will be useful when needed. Its your Legacy! You Matter!
Cell Phones “Possibly Carcinogenic”
Chances are we have all heard that cell phones are potentially hazardous. Here you have it. Most of us see our children and/or grandchildren on their phone 7/24. Heck we do it too. We should limit the use of these devices, taking action before it is too late. Not when receiving horrifying news from our doctors, that our cell phones may have contributed to our ailments or health altering illness. Take care of your self and loved ones, by limiting the use of cell phones being pushed up against our heads or just resting in our pockets or bra straps while carrying them. This is a must see!
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