Senior living in Toronto affords access to the sights and sounds of the largest city in Canada. According to SeniorAdvisor.com, there are more than 466 senior care services and providers in and around the city. Finding one that meets your needs and lifestyle is easier now than ever.
Costs vary by province in Canada. In Toronto, these are set by the Ministry of Health and Long-Term Care for Ontario.
Nursing Homes- Nursing homes must provide you with high-quality care and a safe environment. Each facility must be regulations found in the 2007 Long-Term Care Homes Act and the Ontario Regulation 79/10. Many offer common areas and social events. Meals are provided including special diets. You should feel like coming home when you enter a furnished room regardless of whether it is semi-private or private. Physical, occupational, and speech therapies are available as well as Alzheimer’s care for dementia residents.
Ontario’s 2015 Long-Stay Program’s co-payment daily rates for long-term care facilities, also known as nursing homes, are $70.35 for a semi-private room and $83.35 for a private room. Basic or standard accommodation is $58.35 per day. Respite care, known as Short-Stay Program, is $37.77 per day. Available special services like cable, telephone, transportation, and beauty and barber services incur an additional fee.
In-Home Care Services- In-home care companies provide everything from an extra helping hand to intensive 24 hour care. In-home care allows you to remain at home and assisted with daily tasks like bathing, dressing, meal preparation, errands, transportation, and medical management. Respite care is also available to give family and friends a break from care.
In-home care agencies can be contracted by the government, Community Care Access Centres (CCAC), hospitals, long-term care facilities, or Toronto residents. Publicly-funded home-care is available and overseen by CCACs to determine the care you or your loved one need. There is no co-payment for in-home care for those residents with a temporary incapacity, palliative residents, or residents with a disability.
Private pay home care is available if you need extra care or respite. The average rate for in-home care is $42 per day. Since in-home care is not covered under the Act, there are no true regulations to protect the resident. Choose a fully-accredited company and seek recommendations before hiring to ensure high-quality practices to protect you and your family.
Assisted Living Facilities- Assisted living communities give you independent living with like-minded people, while having certain tasks taken care of by the staff. Upkeep of the grounds, housekeeping, and laundry are included. Some communities are located near shopping centers and offer group events like concerts. Facilities like The Annex provide a movie theater, live theater, and other recreation activities. Pine Villa, located in the Forest Hill neighborhood, provides an on-site library with Internet stations and allow guests to stay during certain holidays.
The rates for assisted living facilities vary greatly depending on location. The monthly rates can run less than $1,289 to more than $4,950. Research and compare facilities using an online directory and request to take a tour. While on tour, speak with the staff and other residents to get an honest opinion of the community and stay for a meal in the dining room.
The government pays for some care, however, you will be responsible for accommodation charges, extra fees for additional services, extra in-home care, and most assisted living facilities. You do have several options at your disposal to cover these costs.
For those residents unable to pay the accommodation charges, a government subsidy is available. This subsidy is only for basic room and board. You complete the form and submit it to the long-term facility.
If you own your home, you can sell, rent, or apply for a reverse mortgage to cover care. Before signing reverse mortgage loan papers, seek counsel from an elder-law attorney to make sure you understand all the rules and avoid foreclosure.
If you are concerned about your spouse losing the home during long-term care, you can apply for a “special circumstance” form which may lower your accommodation charge. Renting out your home may allow you to use the rent to make your monthly senior care payments.
Seek counsel to see what other resources you may be eligible for to help pay for senior care in Toronto.
Find assisted living in Toronto near you.