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Date updated: November 27, 2017

Get help with your financial security

Seniors have worked hard for their money and other assets. This section has a bunch of resources you can use to protect what is yours from fraud to abuse, to finding programs and services that can help you financially for your home or health care.

Municipal Tax Breaks for Seniors

Municipal Tax Breaks for Seniors A list of the municipalities offering tax breaks for seniors who own their own homes.

General Links (listed in alphabetical order):

Veterans Affairs Canada  presents "My VAC Account".  It is a simple and secure way for veterans  to do business online with VAC.
Community volunteer tax preparation clinics are generally offered between February and April each year at various locations. Trained volunteers are available to help seniors fill out income tax forms.
2016 tax package - Order your tax forms to be mailed from Canada Revenue Agency (CRA) or you can view and print copies of forms and publications.
Canadian Long-Term Care Insurance is a consumer resource centre for Long Term Care (LTC) education and insurance coverage. We are insurance licensed specialists dedicated to helping consumers determine if they need LTC insurance, assisting them to secure freedom of choice for care, and finding the absolute best value for their insurance dollars.  
This Division of  Central Health offers many types of supportive programs and services across the region to provide individuals with the opportunity to live as independently as possible within their community. The focus is on helping individuals get the supports they need to overcome barriers, increase independence, and improve quality of life. Community Support & Residential Services include:
  • Palliative/End of Life Care
  • Short-term Acute Care
  • Home Support Services
  • Special Assistance Program
  • Personal Care Home
  • Long Term Care
Community Support and Residential Services uses a single entry service model for service delivery.
Credit Counselling Services of Newfoundland and Labrador have trained Financial Wellness Counsellors to assist people with credit and debt needs. They can provide creditor interventions or assist with retiring debt.
Eastern Health suggests that you complete an Advanced Healthcare Directive (AHCD) and Power of Attorney before your admission to a personal care home or nursing home. An Advance Health Care Directive helps individuals to make sure that their health care wishes (written) are known if for any reason they are unable to speak for themselves. A power of attorney is a written document that names the person you wish to act for you in relation to financial matters. An enduring power of attorney is required if you become mentally incapacitated. They suggest that you see a lawyer and discuss your wishes regarding your financial matters
The services provided under the Community Supports Program (CSP) focus on supporting individuals, families, and care providers by promoting independence, community inclusion, safety, and overall well-being. Services provided under the CSP include:
  • Financial Assessment Services
  • Home Support Program
  • Special Assistance Program
  • Supports for "neglected adults" protected adults under the Adult Protection Act
  • Requests for Respite Care
Referrals to the CSP can be made by the individual or their family, as well as a health care professional. The professional CSP team will determine eligibility for service. If you or a loved one wishes to access residential long-term care you may contact a community health office.  
Individuals wishing to get home supports and other benefits, must have a financial assessment. Depending upon a person’s income (how much money you make), Assets like cash on hand or bank accounts, and Expenses like basic living allowance, or rent/mortgage he or she may be required to pay towards the cost of services. Eastern Health may provide a subsidy to the overall cost. NOTE: Individuals must avail of all other funding sources (e.g. private health insurance) prior to requesting and receiving funding from Eastern Health.    
Provides services to eligible individuals who require assistance with activities of daily living in order to remain in their home. The aim of this program is to prevent, delay or substitute for placement in a long term care facility. Home support services are intended to supplement, not replace, services provided by the individual’s family or support network. For information or to make a  referrals to the Home Support Program, connect with the Community Support Program Intake in the St. John's area and the Local Community Health Offices in the rest of the Eastern region
Seniors and their families may receive Respite Care. This support is in the form of caregiver relief whereby the loved one is placed in a long-term-care facility for a short stay. Respite services must be applied for through Community Health Nurses or Community Health Social Workers in the office of placement services.
The Special Assistance Program (SAP) provides medical supplies, oxygen, and orthotics (special shoe inserts) to assist with activities of daily living for people living in the community. You must first meet financial eligibility and have a clinical assessment completed by a nurse  or social worker.
Employment Insurance Compassionate Care Benefits are available to people 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.
The Canada Revenue Agency's NEW service,  File my Return, will be available for eligible individuals who have low income or a fixed income that remains unchanged from year to year. Those who are eligible will receive an invitation letter in the mail in mid-February 2018. This service is only for a small sampling of Canadians this year.   File My Return uses an automated phone services . It allows all the deductions, benefits and credits the user is eligible for. Beginning on February 26, 2018, the service will run 21 hours a day from 6 am to 3 am, Eastern time, 7 days a week, until April 30, 2018. Individuals with questions about the File my Return service can call the CRA’s individual tax inquiries line at 1-800-959-8281.    
The Financial Consumer Agency of Canada (FCAC) ensures federally regulated financial entities (banks, retail associations and federal trust, loan and insurance companies) obey consumer protection measures, promote financial education and raise consumers’ awareness of their rights and responsibilities.
Questions often asked by people who have to be away from work for a short time (temporarily) to provide care or support to a family member who is seriously ill with a high risk of death within 26 weeks.
Questions often asked by people who are thinking of moving into a Long Term Care Facility (Nursing Home) or Personal Care Homes (owned by private businesses). Nursing homes generally provide higher level of nursing and personal care to residents  
Do you know a senior who has not applied for the Guaranteed Income Supplement? This is a monthly, tax-free, benefit paid to seniors who have low income and receive Old Age Security, or OAS. This application is for single or married persons or persons living in a common-law relationship, living in Canada with low income.
As their event, "The Big Tea" indicates, Independent Age is a United Kingdom site.  Contact numbers, events, language, and many resources are specific to Great Britain and Northern Ireland. There are other resources available on the site. Advice Guides, Factsheets & Leaflets are free to download and printed copies are available for a price.
Community Health Programs cover all community nursing programs across the life cycle. One of these, Home and Community Care, includes services in home support; palliative care, respite care, and  special assistance (SAP).  This program coordinates  financial and needs assessments required for seniors (and others) to access a variety of services (home support, long term care). These assessments also determine eligibility for a subsidy toward the cost of living arrangements, home support, or other services.
This NLHC web page provides you with links to the following Programs: - Rental Housing Program - Downpayment Assistance Program (DAP) - Home Energy Savings Program (HESP) - Home Modification Program (HMP) - Provincial Home Repair Program (PHRP) NOTE: HESP replaces the Residential Energy Efficiency Program (REEP) The  Downpayment Assistance Program was not active in 2017; status for 2018 - To Be Determined.
Operating at arms length from the Canada Revenue Agency (CRA), the Office of the Taxpayers' Ombudsman (OTO)  enhances CRA's accountability in its service to, and treatment of, taxpayers. OTO reviews individual  service-related complaints and systemic issues related to tax-service rights. Contact the Taxpayers' Ombudsman by calling 1-866-586-3839 (Canada and the United States) or e-mailing outreachacg@oto-boc.gc.ca
The Paid Family Caregiving Option provides money so that certain seniors and adults with disabilities can pay a family member to do approved home support. To see if your loved one is eligible for this program contact your regional health authority.
The Public Legal Information Association of Newfoundland and Labrador provides general information and education about the law to all Newfoundlanders and Labradorians, with the intent of increasing access to resources, information and justice.

PLIAN has developed a number of publications about many different areas of the law: Wills and Estates; Family Law; Criminal Law; Other Areas of Law; Links and Resources

(Corner Brook, NL), January 10, 2018 – The Royal Newfoundland Constabulary (RNC) Corner Brook Region is issuing a public advisory regarding a phone scam whereby fraudsters are posing as the Canada Revenue Agency (CRA).
The Violence Prevention Initiative (VPI) is a  multi-departmental government - community partnership. This initiative is working to find long term solutions to violence against those most at risk in our society. Persons at risk include - women, children, youth, older persons, persons with disabilities, Aboriginal women and children and other people who are vulnerable to violence because of their ethnicity, sexual orientation or economic status. The Violence Prevention Initiative is coordinated by the Women's Policy Office. Contact the VPI at vpi@gov.nl.ca or (709) 729-5009.
The following services are provided through Community Support:
  • Home Support Services
  • Nutritional Consulting Service
  • Financial Assessment
  • Special Assistance Program
  • Home Nursing Care
  • Personal Care Homes
  • Assessment & Placement Services for Long Term Residential Care and Personal Care Homes: Apply by contacting your local Western Health office to have an assessment (review) completed by the Community Health Nurse or Social Worker. Once a medical is completed by a physician (at your own cost) and a financial assessment is done, the application can be given in. If approved (by a letter), you will be placed on a wait list until a vacancy is found.
People wishing to get home supports services or to apply for Admission to Long Term Residential Care must have a Financial Assessment (review). Depending upon a person’s income (how much money you make), Assets like cash on hand or bank accounts, and Expenses like basic living allowance, or rent/mortgage he or she may be required to pay towards the cost of services. Western Health may provide a subsidy towards the overall cost.
Provides services to eligible individuals who require assistance with activities of daily living in order to remain in their home. The aim of this program is to prevent,  delay or substitute for placement in a long term care facility.  Home support services are intended to supplement, not replace, services provided by the individual’s family or support network. A referral must be made to the Community Health Nurse or Community Support Social Worker if the person is living in the community or to the hospital-based Social Worker if the client is currently in hospital.
Information on admission of an individual to the facility for a pre-set period of time. There are a number of different types of admissions under this service, all of which are designed to meet a specific need. A client and/or care provider may use this service more than once a year, with acceptance, depending upon need and bed availability.
The Special Assistance Program (SAP) provides medical supplies, oxygen, and orthotics (special shoe inserts) to assist with activities of daily living for people living in the community. You must first meet financial eligibility and have a clinical assessment completed by a health professional such as a Physician, Occupational Therapist, or Social Worker.

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