Finances & Government Programs
Canadian Retirement Income Calculator- Plan ahead. Use the information in your My Service Canada Account to estimate your retirement income needs for the future. https://www.canada.ca/en/services/benefits/publicpensions/cpp/retirement-income-calculator.html
Reverse Mortgage Quandary- Read this enlightening article from the Globe & Mail Oct/ 2010
(https://www.theglobeandmail.com/globe-investor/personal-finance/mortgages/the-reverse-mortgage-quandary/article1391748/) (could put an icon/ image to click on, like a deed)
Accessible and Adaptable Housing By Design- Canada Mortgage and Housing Corporation shows you ways you can add ramps, handrails, and other features to adapt your present home and make it safer- https://www.cmhc-schl.gc.ca/en/inpr/bude/
(Scroll down to the bottom of the pages for the above links for other adaptive housing information.)
Snow Shoveling- Some sidewalks in Toronto are cleared of snow by mechanical ploughing within 36 hours if the accumulation is greater than 8 cm (approx. 3 in.). However, on streets with continuous on-street parking and where sidewalks cannot be cleared by mechanical ploughing, residents are required to clear ice and snow from sidewalks adjacent their property within 12 hours of a snowfall.
If you are a senior or if you are disabled and live in an area where sidewalk snow clearing is not automatically done, you can obtain information on how to register by calling 416-392-7768.
For assistance with private property snow clearing, seniors and the disabled can contact 311 Toronto to obtain a list of organizations that provide these services. A nominal fee may apply.
Phone within Toronto city limits: 311 Phone outside city limits: 416-392-CITY (2489)
TTY customers: 416-338-0TTY (0889)
Water Rebate Program
This program offers a water rebate if you are a low-income senior or a low-income person with a disability who consumes less than 400 cubic meters (m³) of water each year.
You must submit your application by the deadline. After December 31, the City will calculate your annual water consumption. If you meet all eligibility criteria, a rebate will be applied to your utility bill in the year following the application year.
To qualify for the water rebate program you must:
- Have a combined household income of $50,000 or less
- Consume less than 400 m³ annually
- Have metered water service in your home. If you have applied for a meter to be installed in your home, and are still on a flat rate billing program, you may submit your application to be considered
- Provide a meter reading on or after December 31 if required.
- Be 65 years of age or older OR
- Be 60-64 years of age and be in receipt of a Guaranteed Income Supplement under the Old Age Security Act; if widowed, be in receipt of the Spouse’s Allowance under the Old Age Security Act OR
- Be 50 years of age or older and be receiving either a pension or a pension annuity resulting from a pension plan under the Income Tax Act (Canada) OR
- Be a person with a disability and be in receipt of disability benefits
Property Tax Assistance
Property Tax Increase Deferral Program
This program gives low-income seniors and low-income persons with a disability the opportunity to apply for a deferral of property tax increases.
If you have applied for and received a deferral last year, you should continue to apply each year, even where your taxes may have decreased. This will ensure that you obtain the maximum deferral benefit.
It is important to note that the total deferral amount is a lien on the property and must be paid back to the City if you no longer own the property.
To qualify for a deferral of a property tax increase you must:
- Have a combined household income of $50,000 or less AND
- Be 65 years of age or older; OR,
- Be 60-64 years of age and be in receipt of a Guaranteed Income Supplement under the Old Age Security Act; if widowed, be in receipt of the Spouse’s Allowance under the Old Age Security Act; OR,
- Be 50 years of age or older and be receiving either a pension or a pension annuity resulting from a pension plan under the Income Tax Act (Canada); OR,
- Be a person with a disability and be in receipt of disability benefits.
Other Canadian Services & Benefits
Seniors Canada Online- A wealth of information on benefits for Canadian Seniors
Seniors Safety and Security- The RCMP’s guide to help you safeguard yourself from physical dangers and fraud, in your home and when you are out.