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Date updated: February 26, 2019

RESOURCES TO HELP YOUR CLIENTS

We have pulled together information for you that others, like you, have requested over the years. If there is anything you are looking for that is not listed below, please contact us. We are here to help you help your client.

FINANCIAL AND LEGAL ISSUES:

Seniors are looking for information and support around financial issues such as individual income tax, government benefits, and how to access assistance with medical needs.

For some seniors the dollar is not stretching far enough these days – support around employment and debt management are two other resources to consider.

Seniors in NL have issues meeting their basic-needs such as food (food banks), furniture, and help with utilities.

Seniors are looking for legal resources like how to get a lawyer or obtain information on matters such as wills, power of attorney, and advanced healthcare directives.

 

Individual Income Taxes 2018

OTHER LINKS (LISTED IN ALPHABETICAL ORDER):

The Adult Protection Act protects adults who are at risk of abuse and neglect, and who do not understand or appreciate that risk. Contact your Regional Health Authority at 1-855-376-4957 to report an adult who may be at risk of abuse or neglect and who does not understand or appreciate that risk. No long distance charges will apply. You can report confidentially. Call 911 for emergencies or situations requiring the police.  
AGE-WELL is a national research and innovation network.  A wide range of partners work together to create technologies and services that benefit older adults. They promote the conversion of an idea or invention into a good or service that may satisfy a need or improves a life. Check out this dynamic network.
This website from the Canadian Centre for Elder Law offers a series of educational tools to help seniors protect themselves against fraud. The tools identify some of the most common scams that con artists use these days to target seniors.
A list of benefits for caregivers along with a short description and a link (way to get to a webpage with more information)
  • Employment Insurance Compassionate Care Benefits
  • Registered Disability Savings Plan (RDSP)
  • Employer benefits and assistance for caregivers
  • Employers benefits and pensions
The Better Business Services sets standards for and evaluates businesses, charities, advertisements... BBB alerts customers and businesses to unfair or illegal practices and schemes in Canada (nationally and locally). Services for NL are carried out online, by phone from Halifax through the BBB Atlantic Offices (see below). Contact by telephone Toll free: 1-877-663-2363 or by E-mail: info@ap.bbb.org  
The Canada Pension Plan enhancement – Businesses, individuals and self-employed: what it means for you. From: Canada Revenue Agency On January 1, 2019, Canadians will contribute more to the Canada Pension Plan (CPP). This change, known as the CPP enhancement, is designed to help increase retirement income for working Canadians and their families.
Canada Revenue Agency Videos for Newcomers Are you a newcomer to Canada? This video shows newcomers how the Canadian tax system works and what Canada does with the taxes we pay. It also gives a quick overview of why a newcomer should file, where to get help when filing taxes, and the resources available so you can learn to prepare and file taxes yourself.  
The Canadian Bankers Association has a special section on their website just for Seniors and there are sections on Powers of Attorney, Frauds, forms of financial abuse and much more. Remember, financial abuse is a violation of YOUR rights. It is not your fault, and you can get help!
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.  
The Caregiver Recognition Benefit  simplified how Veterans Affairs Canada (VAC) recognizes and supports caregivers:
  • $1000 monthly, tax free benefit directly to caregivers
  • No time limit to apply
  • Recognition of caregivers support to Veteran
  • Replaced the Family Caregiver Relief Benefit (Federal budget 2017)
April 1, 2018 implementation date.
CARP is Canada’s largest advocacy association for older Canadians. Formerly known as Canadian Association for Retired Persons, CARP has grown to over 300,000 members. CARP’s mission includes advocating for social change that will bring:
  • Financial security
  • Reasonable and timely access to health care
  • Freedom from ageism
CARP:
  • Publishes Zoomer Magazine nine times a year
  • Sponsors Drive Wise, a program of driving tips and strategies for seniors, delivered free by the RNC (see RNC resource).
  • Has local chapters, for example CARP NL Chapter 1
Contact CARP at 1-888-363-2279 Contact CARP NL Sharron Callahan, President  at 709-690-1238  or nl@carp.ca View Facebook
Central Health's Community Support Services are now just a call away. 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:
  • Respite Care
  • Home Support Services
  • Special Assistance Program - Medical Supplies and Equipment
  • Personal Care Home
  • Long Term Care
Community Support and Residential Services uses a single entry service model for service delivery. Call 1-833-210-8491
This page describes how to use the booklet, "Checklist: Thinking about your future? Plan now to Age in Place".  There is also a direct link to the Checklist booklet PDF.
Consumer Advisories and Alerts webpage that provides a consolidation of information for consumers interested in bad business practices, public advisories, consumer alerts and consumer product recalls. The updated webpage is easy to navigate, giving consumers’ quick access to information to help them make informed choices and protect their health. The webpage will be reviewed and updated regularly to provide additional information and to ensure consumers have access to the most current notifications. This provincial government initiative enhances consumer protection.
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.
Individuals wishing to get home supports and other benefits must have a financial assessment based on their net income to see if they are eligible for a subsidy. And then provide this link: https://www.releases.gov.nl.ca/releases/2018/exec/1001n01.aspx      
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.
Talks about how Aging in Place planning will better prepare seniors to respond to changes as they age so they can live the life they want in the future.
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.
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.
This Program gives financial assistance to people who receive the Medical Care Plan (MCP). These MCP beneficiaries  build up a high level of out-of-pocket travel costs to access specialized (MCP) insured medical services. Those services are not available in their immediate area of residence or within the Province. These individuals may receive money to cover their airfare, to stay at a hostel, and for other eligible expenses.
This is a SeniorsNL special site dedicated to bringing together resources and information on elder abuse, what it is and how to get help and support.
Are you having a problem with provincial government services or programs? The Office of the Citizens’ Representative (OCR) provides a province-wide ombudsman service. The main work of the Citizens’ Representative is to accept complaints from citizens who feel they have been treated unfairly with respect to their contact with government offices and agencies.
The Office of the Seniors' Advocate is an independent office of the House of Assembly of Newfoundland and Labrador.  The Advocate will seek input from seniors in NL. They will then determine where seniors believe gaps exist in legislation, policies, programs and services.  Comphrehensive  reviews of gaps (systemic)  will generate recommendations as to how to address those gaps.
The Office of the Privacy Commissioner of Canada (OPC) works to help improve the digital literacy of Canadians. For seniors, they raise awareness of privacy issues and rights, and provide guidance and information to help older adults reduce privacy risks. On this page, you will find:
  • Tips to help protect your privacy online
  • Protecting personal information on your mobile devices
  • 10 Tips for Protecting Personal Information
  • Identity Theft and You
  • Top 10 tips to protect your inbox, computer and mobile device
  • Privacy presentation package Find slides and speaking notes for presenting to seniors about online privacy and protecting personal information.
This page provides a link to OPC's individuals page where you will find a full range of privacy information and advice on a wide range of topics.
Canadian Bankers Association promotes financial literacy to help Canadians make informed financial decisions. The financial literacy program, Your Money Seniors, has three modules: Cash Management, Financial Abuse, and Fraud Prevention
The Provincial Advisory Council on Aging and Seniors (PACAS) is a volunteer council of thirteen individuals from throughout the province. PACAS advises and informs the Provincial Government on issues, concerns, and requirements of older adults. The Council ensures that the Provincial Government considers the perspective of older adults when developing current and future policies for service delivery. Council provides a strong voice for seniors in the development of programs and services that support independence and well-being. Email: PACAS@gov.nl.ca
Did you know that PLIAN is a member of of the Public Legal Education Association of Canada? PLIAN is the Public Legal Information Association of NL. PLEAC is made up of public legal education and information organizations from all across Canada. PLEAC-ACEIJ just launched its new website
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

NEW: Check out PLIAN's  Family law Form Builder publiclegalinfo.com/builder
Check out Public Legal Information Association of Newfoundland and Labrador's  Family Law Form Builder These forms are used to notify the Court that there are family law issues you would like to have resolved. This Family Law Online Form Builder will guide you as you create the form(s) you need. Once you have completed your form(s), you will be directed to a web page where your form is available to print. All forms must be printed and filed with the Court.
RIAC's Core mandate is to provide the supports necessary for refugees and immigrants who make our beautiful province their home, to live as active participants in our communities. Programs and services include advice; awareness and diversity; ESL language Help; Volunteer and Internship. Each semester look for English as a Second language ESLs courses and conversation groups and Creative Sewing Atelier's classes.
(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 Senior's Wellness Hub is based in Grand Falls-Windsor but offer information for all of us. Videos featured on this online resource are:
  • What is Caregiving
  • Medication Safety
  • Eating Right
  • Handling Finances
  • Advance Health Care Planning
  • Pharmacies
  • Coping with Vision Loss
 
The Seniors and Aging Division works with other government departments and agencies to promote healthy aging across the lifespan. The Division acts as a centre of expertise and knowledge on aging and seniors. The main functions of the Division is are to oversee the implementation of seniors and aging initiatives and adult protection. Goals of the division include: creation of a more age-friendly province; eradication of ageism; and the protection of vulnerable adults who lack the capacity to protect themselves. The division also serves as the secretariat for the Provincial Advisory Council on Aging and Seniors (PACAS) and works with the Council, other government departments, seniors’ organizations and retiree groups, the federal government, other provinces and territories and multiple key stakeholders to achieve its goals. 1-888-494-2266
Do you take care of a loved one? This is an informative website with some good information and links to federal resources about caregiving. Please note – any provincial links contain Ontario-specific information.
Find a Service Canada Office will help you find services close to your home. Search by Postal code, City, or Browse by Province  or Territory.  
ServiceNL: Make an appointment online. Need to visit Motor Registration Division, Mount Pearl? Save time and avoid lineups! Make an appointment online. Be prepared for your visit If you don't have the required documents we may not be able to complete your transaction. Choose a service, like Vehicle registration or Photo ID and the link will bring you to a detailed description of how to prepared for your appointment. Once you confirm that you have: reviewed what you need to bring and that you are ready to make an appointment. Just press and continute.  
The Journey Project is a joint initiative of the Public Legal Information Association of NL (PLIAN) and the NL Sexual Assault Crisis and Prevention Centre (NLSACPC) .The goal is to enhance supports for survivors of sexual violence in the justice system. Seniors do not often talk about sexual violence. Older adults do experience sexual violence. There is support!
  • Navigation and Support for Survivors
  • Lawyer Referral Program
  Call:             1-833-722-2805 or e-mail support@journeyprojectnl.com     If individuals need support outside the hours of the service, contact the Sexual Assault Crisis, Support and Information Line at 1-800-726-2743.
Take Charge NL : Rebates to help you save money and reduce energy. The rebates are on certain energy efficient models only. Tips, products and rebates on appliances, electronics,  heat pumps, thermostats, insulation,  shower heads, lighting, and on home energy evaluations.  
The Sexual Assault of Older Women - Criminal Justice Responses in Canada, Isabel Grant and Janine Benedet, April 19, 2018. This presentation is  is part of  the project “Increasing Access to Justice for Older Adult Victims of Sexual Assault: A Capacity Building Approach”. It is funded by the Justice Canada Victims Fund. Learn more about this project or consult the full list of resources (see links on this page).  View the recorded webinar on youtube or download the slides (link below).    
Veteran Emergency Fund  The health and well-being of Veterans involves multiple factors that go well beyond the scope of traditional health services and benefits. The new fund would provide Veterans Affairs Canada (VAC) with the flexibility needed to financially assist Veterans and their families quickly and efficiently in their time of urgent need. The Veteran Emergency Fund will be in place to ensure the overall well-being of Veterans and their families as a short-term support mechanism while other longer-term support arrangements are made. It would be available to any Canadian Veteran, or their spouse/common law partner, orphan or survivor living in Canada whose well-being is at risk as a result of an urgent or unexpected situation. Contact VAC at 1-866-522-2122 (toll-free) Effective Date: This new Fund would be put into place April 1, 2018.
Are you a Canadian Armed Forces (CAF) veteran?  Veterans Affairs Canada  provides services for veterans through the The Veterans Independence Program. You may be eligible for:
  • ground maintenance (snow removal),
  • housekeeping (including errand services),
  • personal care,
  • access to nutrition (Meals on Wheels),
  • transportation costs, and
  • home adaptations for qualified veterans who need assistance to stay in their own homes.
  • Nursing home care  provided if needed.
For information, call: 1-866-522-2122 or e-mail: information@vac-acc.gc.ca If you need help filling out forms or getting access to services, call 1-877-534-4666 Toll free (to connect with a local Royal Canadian Legion service officer).
Individuals wishing to get home supports and other benefits must have a financial assessment based on their net income to see if they are eligible for a subsidy. And then provide this link: https://www.releases.gov.nl.ca/releases/2018/exec/1001n01.aspx

Retirement Planning - A Beginner`s Guide

Credit Counselling Canada article on The Beginner`s Guide to Retirement Planning. The writer,  Joan Butler, concentrates on tips to Retirement Planning (such as Create or Update a Will) and provides links to websites retirement planning websites available to Canadians: Financial Consumer Agency of Canada - Retirement Planning Types of retirement income, saving for retirement, how much money you will need and managing your finances. Public Pensions Information on the Canada Pension Plan, Old Age Security pension and related benefits, the Canadian retirement income calculator and retirement planning. Canada Pension Plan - Overview Banks and credit unions, insurance companies and related businesses or organizations also have online retirement calculators and other resources. For help with retirement planning Find a Credit Counsellor. Hover on the pin to see details about your local credit counsellor or call the toll-free line at 1-866-398-5999    

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