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The 2018 Provincial Budget: How Does It Affect Seniors?

The 2018 Provincial Budget: How Does It Affect Seniors?

If you live in Ontario and are a senior, you may be interested in what the 2018 Budget (provincial) has to say about what the Province is promising for the next year. The 2018 Budget plan, outlined here, addresses issues such as mental health, affordable housing, child care and making health care better and more accessible to everyone. Most significantly, the government is promising a fair approach to implementing the plan. The main points that are specifically geared toward the Province’s aging population show that our policy makers recognize that the cost of living independently can create barriers for seniors who wish to stay in their home. Retire-At-Home understands this as well. Our team of qualified Nurses and Client Care managers will work with you to identify the services you really need to help you stick to a budget. 2018 Budget highlights Expanding long-term care to make it more accessible (the plan is to add 5000 new beds by 2022, and 30,000 over the next decade.) A benefit of $750 annually for seniors 75 years of age and older, to help maintain their homes (e.g. this could help pay for custodial services such as snow removal, lawn maintenance and air duct cleaning, but the eligible expenses have not been revealed yet.) OHIP benefits will cover prescriptions for seniors in August 2019. Support for dental care costs. Expanding and improving home and community care for people who need nursing services, as well as for caregivers. Personal Support Workers (PSWs) will receive additional training and incentives (such as retirement security) to join the PSW workforce. Support for people living with Dementia...

ICYMI: Managing the Cost of Health Care at Any Age

We don’t like to spend a lot of time talking about subjects that make others uncomfortable in social situations, especially money, but it’s important to start the conversation! All of us need to pay attention to how we spend our money, regardless of age. Asking for help is difficult for a lot of us, especially if we’re used to being independent. If you’re confined to your home because of mobility issues or you have a chronic illness like ALS, going out for groceries isn’t a simple chore. If you’ve been in a motor vehicle accident or have had knee surgery, you may be unable to do a lot of things on your own while you recover. We may have to consider the cost of using public transit safely, or taxi services. We may also need help physically, moving from our homes to a vehicle. The cost of health care In general, Canadians have the benefit of social programs to help us through tough times and to provide medical care. However, if you need services that aren’t covered by your provincial health care insurance, or you’d like to add services that are specific to your circumstances, you may need to look at private health care options. For example, if you are at risk for falls because you had hip or knee surgery, you may consider subscribing to Connect Care Medical Alert. While some people hold the opinion that there is no such thing as a fixed income problem specifically for seniors, they do have a different set of worries, especially if one doesn’t have a strong family support system available to them....

Home Health Care Supported by the Province of Ontario

Ontario is boosting benefits for nursing and personal support in home care In a news bulletin published October 5, 2017 by the Ontario Ministry of Health, in which is states: Ontario is strengthening home and community care across the province for patients and their families, by increasing access to services by an estimated 2.6 million additional hours and developing new patient- and family-friendly supports. The bulletin goes on to explain in detail the types of services that will be affected, which includes: nursing care personal support services (including bathing, dressing, and exercising) physiotherapy respite care services This is important news for people who want to remain in their own home while they age or convalesce after a hospital stay. Whether you have a long-term illness or have been in an accident, you may qualify for these additional benefits. Our team at Retire-At-Home Halton can work with you and your family to ensure you’re getting the care you need. How do you choose trustworthy home health care? Your safety and trust are our priority. We’ve addressed the topic of how to choose the right caregiver on this blog recently. We’ve had many of you asking us about the news item in one of Toronto’s newspapers. We want to ensure that you feel good about the decision to hire our team to manage your health care. If you have any questions about the services we provide, please don’t hesitate to call us or use our online chat service. Our clients can rely on us to provide timely care and respect their homes as if they were our own. A Client Care...
Medical Crowdfunding vs. Health Insurance

Medical Crowdfunding vs. Health Insurance

Money is an uncomfortable topic of conversation for many of us, especially in social settings like dinner with friends or whilst meeting with our bank manager. Let’s talk about the cost of medical care. OHIP (Ontario Health Insurance Plan) and other social programs on the provincial and federal levels often meet most of our needs. However, if you’re unable to work due to an accident or illness, the bills start piling up. If you need certain medications, the cost can be overwhelming for some budgets, even for people who are good at saving.   The limits of OHIP In Ontario, we’re lucky to have publicly-funded health care, because it means that we have reasonably good access to quality medical care.  We have excellent, state-of-the-art hospitals like the Oakville-Trafalgar Memorial Hospital and the Trillium Health Partners facilities. There are, however, limitations. You may have to wait a long time for expensive diagnostics like an MRI (Magnetic Resonance Imaging) because the equipment isn’t readily available. Some services are not covered, or cover part of what you need, such as attendant care, experimental drug therapies, physiotherapy, or respite care services. Prescription medication isn’t covered. Invest in your health OHIP is the default health insurance in Ontario. It’s a good idea to have supplemental coverage. This allows you to have more financial benefits for the things that are only partially included in our provincial plan. Remember that each plan is likely to have clauses that don’t allow for duplicate payment (through another plan) for the same claim item. Ask your employer about options to customize your health insurance benefits Ensure you get a...
Housing for Seniors: finding creative ways to keep a roof over your head

Housing for Seniors: finding creative ways to keep a roof over your head

People are our passion The reason we choose to offer health care services as our business is that we care about people. We want to improve your quality of life as much as possible. Our team at Retire-at-Home Halton can provide custom health care services to compliment your existing OHIP coverage in Ontario.  Given that our services are not covered by OHIP, we are sensitive to the financial circumstances of many seniors in our community. We advocate for seniors through CARP. This organization helps seniors voice their concerns about financial security and freedom from ageism. We have a kiosk at the Oakville Trafalgar Memorial Hospital and can be found in select local pharmacies to help you understand how we can serve you, and take every opportunity to attend community living shows so we can meet our neighbours. Housing for seniors We’ve recognized a growing trend in seniors being unable to afford housing in Ontario, especially if they have special needs or limited income. We’ve designed our services so they follow you, whether you live in your own home, or have an alternative living arrangement. The recent census shows that Canada population is ageing at a rate that presents challenges for our government in terms of planning for senior health care programs. Housing costs in larger cities force people with modest incomes to seek housing in smaller towns, but the vacancy rate for rental units in those towns is low. We understand that having to make adjustments can be difficult for many of us, but it’s important to focus on how to make the changes work for you. If you’re a...
Living with Your Parents: how to manage costs and your sanity

Living with Your Parents: how to manage costs and your sanity

Do you live in with your senior parents? There are so many reasons for which having your parents or in-laws in the same home can be advantageous and enrich your lives. Family meals are livelier, you may have a need for daycare and they can be home for your children, and of course it’s just nice to have them close. There are also challenges that come with living in such close quarters with parents. Limited privacy, more responsibility and a busier lifestyle. Tips to help you find balance Do you find yourself functioning at high stress levels because you have a “to do” list that’s longer than your arm? How do you decompress, or do you even make time for yourself anymore? Or is it just a matter of changing your mindset and including the entire household in activities? Prioritize urgent matters Sit down as a family and plan the week so everyone has input Assert yourself at family meetings so everyone knows where your mindset is Encourage open communication Set down family rules so everyone knows what’s expected of them Make appointments during times that don’t make you feel rushed Take ten minutes each day to breathe and empty your mind of everything you think you should be worrying about Go outside more often. You’ll be surprised at how much it helps you clear your head in just a few minutes. Difficult choices The challenges of being an adult living with senior parents are varied. If they have a disease such as Alzheimer’s or dementia, it can significantly impact their ability to maintain their independence. Personality conflicts can...
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