Friday, 2 May 2014

Book 12. Love, Sex, Disabilities (Mentally & Physically Challenged People Have Normal Feelings & Urges)

The “People Power” Disability-Serious Illness-Senior Citizen Superbook

The "People Power" Disability-Serious Illness-Senior Citizen Superbook:

Book 12. Love, Sex, Disabilities

(Mentally & Physically Challenged People Have Normal Feelings & Urges)

Table of Contents

Chapter 1. Sex & Disability or Illness

Sex & Disabilities/ Illness 1-2

Sex & Disability One-Liners

Sex & Serious or Chronic Illness

Love & Disability Info

Sex Toys & Disabled People/ Disability Sex Toys

Chapter 2. Sex & Disability Resource Information

Sex & Disability Organizations

Sex & Disability Websites/ Sex-Disabled Websites

Sex & Disabilities/ Illness Resources

Chapter 3. Love & Sex Mentally Challenged

Sex & Mental Disabilities

Sex For Mentally Challenged Websites

Love & Mental Disabilities

Sex & Autism/ Love & Autism

Chapter 4. Sex Education For Disabled People

Sex Education Websites For Physically & Mentally Challenged People

Sex Education for Mentally Challenged Children

Chapter 5. Challenged People Dating

Deaf Dating Websites

Disabled Dating Websites/ Disability Dating Websites/ Special Conditions Dating Websites

Disease Dating Websites

Mental Illness Dating Websites

STD Dating Websites/ AIDS Dating/ HPV Dating

Herpes Dating Websites

BDSM Disabled People

Chapter 6. Sex & Illness Basics

My Lover Has Mental Illness

Sex & Illness Info

Sex Injuries/ Injuries From Sex

Sex & Alzheimers

Sex & Arthritis

Sex & Brain Injury

Sex & Cancer

Sex & Cerebral Palsy

Sex & Depression

Sex & Diabetes

Sex & Epilepsy

Sex & Heart Attacks

Sex & Hemorrhoids

Sex & Herpes

Sex & Huntington’s Disease

Sex & Irritable Bowel Syndrome

Sex & Kidney Patients

Sex & Masectomy

Sex & Multiple Sclerosis

Sex & Obsessive Compulsive Disorder

Sex & Spinal Cord Injury/ Sex & Paralysis

Chapter 7. Disability Resources

Major Disability Websites

Disability Websites Master List/ Disabled Websites Master List

Disability Hotline Websites

Help for a Disability

Disability Help/ Disability Assistance/ Disability Money Websites

Disability Publications/ Disability Magazines

Special Needs Websites

Disability on Twitter

Chapter 1. Sex & Disability or Illness

Sex & Disabilities/ Illness 1

A disability scares the hell out of most people so it's up to the disabled person to make the nondisabled one feel comfortable.

Disabled guy

The greatest disability is a closed mind.

Blind guy thankful he isn't an asshole

How do you define sex? Some people say sex is 90% in the brain so regardless of disability, if you still got a brain, you still got sexual ability.

Disabled people just have to be more creative in exercising their sexuality. They say men who can’t get an erection can still get horny and even orgasms.

Some disabled men say using a vibrator or another masturbation machine will bring them to orgasm which has a twofold purpose; for pleasure and to gather up enough sperm for artificial insemination.

Many physical conditions could impose

limitations on a couple to prevent a normal sexual relationship. There are injuries, deformities, and recuperations from surgeries.

Two partners who love each other have to use the situation to develop new, creative ways to provide sexual satisfaction for each other.

Learning these techniques together could be good for the marriage as husband and wife grow together after the mishap. Try to stay intimate.

Often after a dramatic illness, there is a period of a lack of sexual desire often due to depression. This can be tough on the couple. In general, an improvement in health equals an improvement in sex drive. Even paralyzed people can engage in sex with the tongue.

Many men and women alike, after they get an illness and are older, like about 55+ years old, simply give up on sex even if theoretically, then can engage again. It’s up to them. Use it or lose it.

Sex-Ability is a term I’ve seen bandied around regarding disabled people and their need for an expression of their sexuality. It’s a workshop for disabled people offered at various places throughout North America.

Participants, mostly people with a mobility disability, meet once a month to discuss sex related topics. The Planned Parent Federation (plannedparenthood.org, ppfa.org, ppfc.ca, canada)is involved with this program.

Just because anyone is disabled doesn’t mean they can’t have sex or don’t think about it. The sexuality is still there.

In some cases, the tools might be damaged but the brain still releases neurotransmitters and hormones that relate to sex drive so the thoughts are still there even if the penis or vagina have been damaged in some way.

The sex for disabled people advocates say:

Be yourself.

Develop a lifestyle to feel good about yourself.

Have fun.

These are all positive signs that you’re approachable and will help lead to social encounters and eventually a healthy relationship if that’s what you want but there are no guarantees in love for anyone, disabled or not.

People without disabilities generally have misconceptions about disabled people and sex suxh as:

People with a disability don’t think about sex.

They don’t have sex much.

If they do, their babies will be born with a

disability.

The big issue is the general segregation between non-disabled and disabled people in life in general.

So-called normals feel self-conscious around disabled people so generally stay away which is why the disabled individual has to take initiative and make "normals" feel comfortable around him or her. and if you’re interested in sex and/ or a relationship, you have to put out the cues that you’re fair game.

Sex doesn’t have to be intercourse. It’s whatevcr works at the time between the players involved. Remember two key concepts:

The brain is the major sex organ.

The largest sex organ is the skin.

You have to rediscover your body and do what works. It can be a difficult at first. You have to work around the disability to enjoy a healthy sexual life.

Sexuality is a part of everyone’s lifeforce regardless of how distorted or disabled their bodies are. Minimize the effects of the disability on the libido. There doesn’t have to be a taboo about it as there currently is.

A major problem of some disabled people is to get the privacy to explore their sexuality. People who receive attendant care are unable to do some things for themselves. It’s very difficult to get romantic with someone when you need an attendant to lift you up and put you in bed.

A disability can be a two-pronged deal regarding sexuality. For people who enjoyed sex before the illness or injury, it will be a nuisance and they’ll have to find ways around it to enjoy their sexuality. For others, the disability or illness is a great excuse to stop engaging in sex with their spouses.

Often, people who are very sick become more open to new possibilities in life and one of the facets of this is an increased interest in sex and intimacy. At the least, sick people often want to touch and connect more with others on a deeper level.

When you’re sick, you often realize it could be your last chance to enjoy your life so if you’re gonna do it, you must be able to muster your determination to keep going no matter what.

Sexuality helps people feel better and could help them heal. There will be limits and a time for adjustments but it’s worth it to try for sex rather than let it go.

Disabled people are as horny as anyone else. They want love and romance too. Many have children. The worst thing for disabled people is to be pitied or treated as less than full human beings. Respect them enough to treat them like you treat everybody else and accept them for who they are.

Disabled people in general say they're treated like wallpaper everywhere they go, people would rather ignore them than force a conversation because they assume the person is morbid, serious, feeling sorry for himself with a chip on his shoulder against the world but it's not necessarily true.

Some disabled people try to shut themselves away from society but many don't.

They're mature enough to accept themselves as is and proceed on from there, trying to live normal lives, earning a pay cheque and finding someone to love who loves them back.

Don't give them pity, just a chance to show they can be good, genuine, loving, happy human beings. The fact is that no matter how lovable and cheerful any disabled person is, he or she will still get rejection and stares wherever they go.

Sex is a very sensitive subject as is so if you add a disability and sexual functioning problems on top of it, you know how it is to deal with it.

The goal is for the person with the disability/ disease and his or her sexual partner to work together as a team. Adjusting to changes is an important part of coping with the illness. Make it a point to understand why sexual changes are happening, to know what to expect, and to know what you can do to deal with or adjust to those changes.

Sexual problems with most disabilities have physical causes, emotional causes or both. Even with physical problems, people can still find some manner of feelings of pleasure.

Changes in the way a man or woman feels about their attractiveness can have an effect on sexual ability.

Talk over feelings or concerns. It is important for the afflicted person to discuss any fears or questions with his or her sexual partner. Talking about sexual matters with a close friend or medical professional can also help.

Plan periods of time for intimacy when you will not be interrupted. Privacy is important for relaxation and sexual pleasure.

Some pleasure comes from touching and being held. Sexual intimacy can be achieved without intercourse, without orgasms and without erections or ejaculations simply by holding, touching and kissing. Touch brings comfort and security.

For the lovers of disabled people, especially if they're not disabled themselves, they get a lot of feedback from friends, family and acquaintances about what a tough life they'll have, how it's better to split and cut their losses.

The families of the disabled one try to discourage relationships with nondisabled people because they're afraid the person leave at some point in time and the disabled one will be devastated.

On the other hand, some "normal" people prefer disabled people because they've been hurt before and feel that a disabled person would be more sincere and loving, have a mothering complex to mother someone not as independent as they are, feel that they will get that dependency type commitment they really want, see themselves as saviours or simply have a fetish for this type of person.

It could also be that two people, a disabled and nondisabled one, fall in love like normal people do, be being irresistably attracted to the spiritual essenses/ vibe and looks of each other.

Sex & Disabilities/ Illness 2

Don't act like your disability is a big sullen tragedy. Be positive, put your best foot forward, act like it's just a minor nuisance rather than a full-fledged impediment.

Disabled guy

Having a disability means that if you want sex relations, you have to talk about it and be up-front about what works for you and what doesn't.

Be creative about the things you do to get off either by yourself or with a lover.

As a disabled person, you can put up ads where normals want to date disabled people.

If you have a disability or poor health, you have to accept yourself, get over it and do the best you can trying to enjoy your life and sex because it's still your birthright.

You almost never see disabled people have sex, make love or talk about it in the mainstream media. People of all abilities have sex drives. They are entitled to sexual fullness like anybody. People with disabilities are often desexualized by doctors, care-givers, friends, family and in many cases themselves.

Most disabled people can still have sexual intercourse even though you don't have to have intercourse to enjoy sex. You can have oral sex, hand jobs, kiss, hug, etc.

You might not be as physically attractive as you like but you should be a more sensitive person seeing as you understand people's feelings since people are always hurting yours by treating your disability like a contagious disease. You have to feel worthy, attractive and entitled to your sexual birthright.

Both men and women with spinal cord injuries can have a sexual life. The extent of orgasm will depend on the nature and extent of the injury.

They should empty their bowels and bladder before sex and the woman should use a lubricant for her vagina. Women can get pregnant so they should use birth control devices if they don’t want to conceive.

Contrary to the popular myth, disabled people aren't sexless. They're as sexual as anyone else sometimes moreso because of the frustration of the challenges they have. The medical and rehabilitation industries don't help much either.

They prefer not to talk about it nor provide patients with the education or products to help them attain some sexual satisfaction after their disabilities hit.

The rules for attracting a partner are the same as for anyone else. Often disabled people pair off with other disabled people but there are plenty of disabled people who pair off with a "normal" person even after they're disabled because they've got the charisma and tenderness to attract these people.

Some disabled people I've read about say they find people who accept them as they are, are never critical of their disability and never apologetic or embarrassed about their partner when meeting new people for the first time. I suppose this is what everybody wants, a loving, supportive partner.

The rules are simple, basically the same as for nondisabled people. Don't shut yourself away or be bitter. Get out into the community and do normal things. Don't focus on finding a lover, focus on being a pleasant person and a friend first and if you're true to this, the romance will follow in time.

Try dating services, both disabled and nondisabled ones. In general, nondisabled women are more likely to pair off with disabled men than nondisabled men with disabled women but it's not laid in stone.

I've read several accounts of both types of relationships so no matter what, it's not impossible if you're a genuinely nice person.

Nondisabled people in general are uncertain as to how to socialize with a disabled person. Do you ignore the disability or initiate conversation about it?

Perhaps the best way is for the disabled person to initiate conversation about it after he or she develops some kind of rapport with the other. Ask questions like:

Would you like to know how I got this way?

Would you like to more about my disability?

Does my disability bother you?

Do you feel self-conscious about the way other people perceive me?

Do you wonder how I feel about being like this?

Don't focus on the disability but be ready to talk about it when the subject comes up either by you or them because some nice people will initiate questions in an attempt to be open minded about it.

It takes courage to go out into the world and circulate, risking rejection by many people out there but if two people find each other and fall in love, the disability really doesn't matter all that much but you'll never know if you just stick with your own kind and not try to relate with all the many nondisabled people out there.

Most doctors don’t know much about sex and disabilities and may be embarrassed to talk about it. If you need help, either find a doctor in the field of your disability who specializes in sexuality or find a general sexual counselor.

One book I read said you have to be the eternal optimist just to deal with the rejection because there's so much of it out there.

You can find positive power type books generally from #100 to #199 at the library, particularly#155 to #158, #248 (religious inspirational books) and #291, spiritual type books. Medical books go from #610-619 at the library.

I read about about a quadrapalegic man who said he had great sex with his "normal" wife.

The 1978 movie Coming Home is about a disabled Vietnam vet and the relationship he gets into with a "normal" woman. The movie Born on the Fourth of July is about the anger a wheelchair bound Vietnam vet feels.

Life for disabled people is harder than it is for the normal person so you'd think that you could use some of that tenaciousness to think up creative ways to meet somebody and have sex with them. The Dutch government pays for disabled men to have sex with prostitutes and calls it therapy.

Sex & Disability One-Liners

Disabled people are horny but it against the law to do inappropriate things like fondle a stranger woman’s breasts. Men in wheelchairs say they’re at the height of a woman’s breasts and genitals all day long.

If a guy is paralyzed and can’t feel his penis, there are other signs of arousal like erect nipples, heavier breathing, increased heartrate, etc.

A reflex erection is when the penis of a paralyzed man gets hard in response to touch even though he can’t feel it.

Some paralyzed men can get hard and cum when the penis is handled.

Paralyzed women’s vaginas excrete less lubrication so they could use a store-bought lube when engaging in sexual intercourse. Paralyzed women say they get orgasms quite easily because it’s in the head.

Disabled people use sex toys to get off.

Some disabled people retrain themselves to get a mental-emotional orgasm rather than a physical one.

Most disabled women can get pregnant. Sperm can be extracted from most men for artificial conception.

Many people with disabilities still manage to try for sex and have great sex. You have to create your own opportunities and your own newly revised sex life.

You have to make do, try new positions, new gadgets, new toys, new body parts, new techniques. Oral sex works well. If you can't have full blown sexual contact, you can always cuddle and talk gently.

The truth is that most disabled people can have sexual intercourse and sexual orgasm. Of those that can't, many report psychic type orgasms where memories from past orgasms before the disability flood their brains and they get the sensations throughout their bodies.

Other people say they enjoy the kissing, hugging, cuddling and intimacy part.

Most rehabilitation centers have someone on staff that can help you with such matters, giving you information about how to get along in your new sex life but you have to ask about it.

Simply contact the nearest rehablition center or physical medicine and rehabilitation department in any major hospital and ask for help in how to have sexual relations with your disability.

Some disabled people can have orgasms through what is called Sensory Amplification. If you’re paralyzed, you can transfer the sensual feelings from your sex organs to a part of your body that has sensations.

Think about it, focus on it, play with it and massage it and over time, stimulating that part of the body might give you pleasurabe sexual sensations.

There's a lot of info out there about having sex while disabled and where to meet other disabled people to find love.

If you can't find a partner, there are plenty of masturbation devices to give you a healthy sex life. There's even the Sybian machine which is hands free masturbation for men.

The guy who started sexualhealth.com, Mitch Tepper, who I saw on Sex TV, had a diving accident at 20 which severed his spinal cord. He's now promoting sexual ability rather than disability. He's redefining the orgasm.

Whereas the sex organ is connected to the brain via the spinal cord, in a spinal cord break, the brain gets the sexual message of arousal and sends a signal to the body as a whole so he said he feels the orgasm through his whole body especially the chest.

He was also able to conceive a baby by using a vibrator to stimulate the penis then collecting the ejaculation in a cup which was then artificially placed into his wife.

Doctors can do this too by reaching down into the penis to extract some of the sperm a male naturally produces all the time. Try typing the term "Paraplegic and Pregnancy" into search engines.

Studies on parapalegic people, especially women, found that not all sexual sensations go from the sex organs to the spinal cord to the brain and from the brain through the spinal cord to the sex organ.

Some go directly from the sex organ to the brain via the Vegas Nerve near the cervix which is at the end of the vagina and the entryway to the womb so this is why paraplegics still feel sexual sensations even though their spinal cords have been severed. Other peripheral nerves may carry some of this message too.

The most universal suggestion for couples where one has any type of illness or disability is to experiment to find what works position-wise (do it in a hot-tub, use pillows and a waterbed), time of day you feel the best, what medications to take that won't interfere with sexual virility and look at the many sexual aids and sexual furniture out there that might help you.

Mood-changing substances like booze might loosen you up enough to enjoy sex for a little while.

In general, normal people without disabilities have a mental block where they see all people with disabilities as non-sexual beings. Of course, this isn't true. They're sexual beings who happen to be disabled.

It's wrong to suggest that disabled girls, either mental or physical, get hysterectomies or other procedures like tubal ligation to avoid unwanted pregnancies and the problems of menstruation.

They still have rights and know what's going on even if you think they don't so tread lightly before you act. Get advice from the support group of the particular disability and go to siecus.org.

Masturbation is not something to be guilty of. Use sex toys such as those advertised at xandria.com or make some of your own like the girl who used her cane as a dildo.

There are fertility clinics which can extract semen out of some disabled men who can't have sex and implant it into their female lovers who want their children.

Holland has a program called SAR funded by the government where sex workers (prostitutes) go to disabled people's home to satisfy them sexually.

There are specialists around who deal with pregnancy and conception for disabled women but you have to find them by asking around at infertility clinics, urology departments and rehabilitation hospitals.

Sex will involve some compromises but if you're disabled, you've already learned to be resourceful so just continue it on into the sexual realm.

Remember, sex isn't just intercourse or orgasms. Be romantic, touch skin to skin, kiss, hug, etc. Often, disabled people develop heightened abilities in other aspects of their lives.

Continue to be wary of the dangers of STDs and take the appropriate actions when and as required.

If you can't live independently and either need an attendant or have to live in a facility, keep a middle of the road approach with the attendant.

I've read that they help some of the guys before dates by cleaning them and positioning them in the bed for their gitrlfriends but other people say when they're entertaining, they simply tell the attendant to leave for awhile.

In general, the gay community is pretty accepting of gay disabled people, probably because they understand what it's like to be a minority.

Most of the medical service organizations regarding a specific condition like the American Paralysis Assn. will have a publication or information about sex and the condition.

Britain has an Assn. to Aid the Sexual and Personal Relationships of People with a Disability/SPOD. Try to find it on a search engine.

Sex & Serious or Chronic Illness

If you have a serious illness, sex doesn’t really matter. It’s about your life. People who have a serious or chronic illness probably feel tired a lot of the time. They may be in pain, on medicines and having treatments that can affect their sex life.

They may have a surgery that changes how their body looks.

You might be worried about dying.

Learn about your illness and how to maximize healing. Try #610-619 at the library.

Plan sexual activity for the time of day when you feel the best.

Limit the amount of alcohol you drink. It’s a depressant.

Focus on non-intercourse sex like tantric sex people do. Be romantic, touch, kiss, etc. with no expectation of intercourse.

Tell your partner what you like and do not like. Listen to your partner's likes and dislikes.

Try different things and sexual positions.

Talk to your lover about it.

Use sex toys.

Talk to your doctor. If you’re a man, he can prescribe a sex pill.

Love & Disability Info

The marital vows say in sickness and health.

I wonder if anyone has ever done a study to see how many spouses bail after their spouse is diagnosed with a serious disease.

quest.mda.org/article/sickness-health-and-love

Sex Toys & Disabled People/ Disability Sex Toys

Some people say sex toys were first invented by doctors specificially for disabled people.

In 1971, Gosnell Duncan made medical-grade silicone sex toys for people in the disabled community.

If you buy a sex toy, you might have to adapt it to serve you.

There are butt plugs or the egg vibrator that you stick into an orifice.

You prop fleshlights against an immovable object.

Aneros toys are prostate massagers that work as you squeeze your pc muscles.

There’s a vibe panty you wear to vibrate the clit controlled by a remote control.

There is a vibrating cock ring.

Try different toys

Invent one if you got the inspiration. I invented one. I couldn’t find an investor for it.

I’ve examined a lot of sex toys. My final analysis is that there still are not great hands-free sex toys out there that you can turn on and off and vary the intensity with a remote control. The big sex toy at least for men doesn’t exist right now.

Go to advancedmasturbation.com and read about guys saying they bought particular sex toys but abandoned them because they didn’t do the job good enough.

Those sex swings can help put you in a position to have sex.

equalitytechnology.org/adaptive_devices.htm

xensual.net, sex toys for disabled people.

disaboom.com/sexuality-and-disability

sexualhealth.com/channel/view/disability-illness/

intimaterider.com, helps with sex for disabled people.

mypleasure.com

thestockroom.com

sexuality.about.com/od/disability/tp/adaptsextoys.htm

Xandra "Disabilty" Catalog

165 Valley Dr.

Brisbane, Ca 94005

800-242-2823

xandria.com

Adult products.

 

 

 

Chapter 2. Sex & Disability Resource Information

Sex & Disability Organizations

I heard a radio show that talked about several organizations that try to help people with disabilities with sex in two main ways:

Educate their caregivers that they are sexual and it must be addressed if it comes up in conversation.

Disabled people want sexual surrogates.

The groups were:

Equal Rights For Sexual Expression, Canada

The TLC Trust for Britain.

They mentioned a group for Australian disabled people to get sexual surrogates.

There is a group for Denmark.

Send me sex and disability organization websites so I can put them in this book.

outsiders.org.uk

Sex & Disability Websites/ Sex-Disabled Websites

Try #613.950, #613.9608 or HQ54.2 and RC108 at the library for books about sex instruction for disabled people.

sexualityanddisability.org

bigeye.com/sexeducation/disabilities.html

disabilityresources.org/sex.html

sexualhealth.com, disability and sexuality information.

aacsafeguarding.ca, the speak up project gives people who use augmentative and alternative communication (aac) the words and pictures they need in order to communicate about and express their sexuality.

abledata.com

accessibility.com.au/news/articles/part1_sex.htm

accra-mail.com/mailnews.asp?id=16973, parents and relatives believe that a woman with disability should not engage in sex.

achievable.concepts.com.au, 03-987-30182, products for disabled people.

advocacycenter.com, abuse of people with disabilities.

advocateweb.org/hope/abuseofpersonswithdisabilities.asp

aegis.com/aidsline, people with learning disabilities.

aidsmap.com, sex and aids.

nichcy.org, national dissemination

center for children and youth with disabilities has information related to sexuality education

sexualhealth.com/channel.php?action=view&channel=3, sexuality and disability or illness sex information education

bcm.edu/crowd/health_wellness/health_wellness.htm, l, health & wellness for women with disabilities (center for research on women with disabilities)

amazon.com, book sex and women with learning disabilities by michelle mccarthy.

amazon.com, enabling romance: a guide to love, sex and relationships for people with disabilities (and the people who care about them), by ken kroll and betty dodson.

amazon.com, sex education for persons with disabilities that hinder learning/ training guide.

arcminnesota.com/res-sexuality.htm

arthritis.about.com/od/sex/index.htm ataccess.com

arthritis.ca/tipsforliving/sexuality

atsa.com

audacitymagazine.com, love and disabled people.

backandneck.about.com/od/sexandbackpain/index.htm

bbc.co.uk/ouch/lifefiles/sex_disability.shtml

bccpd.bc.ca, british columbia coalition of people with disabilities, look through articles

bccpd.bc.ca/publications/healthandwellness.htm, sexuality & disability webliography.iidc.indiana.edu/cedir/sexuality.html, sexuality and people with disabilities.aamr.org/content_198.cfm, sexuality and intellectual disability.sexsupport.org

bccpd.bc.ca/wdi/sex&dis.html, sexuality and disability webliography. bc coalition of people with disabilities

bcm.edu/crowd/national_study/sexfunc.htm, women with disabilities.

bcm.edu/crowd/national_study/sexinfo.htm. study of women with. physical disabilities.

beautyability.com/sex.htm

blindcanadians.ca/publications/cbm/17/exploding-myths-about-sexuality-love-possible-disabled-everyone-else-documentary, exploding myths about sexuality

cafamily.org.uk, sex and relationship education for young people with physical disabilities: a booklet for teachers.

cardiacrehabilitation.ca/documents/sexualactivity

cast.org

cdadc.com/ds/sedref1.htm, sex education for people with disabilities.

cdcnpin.org/scripts/population/disable.asp

cfsh.ca/sexual_health_lnfo/sexuality-and-disability/

charismamag.com/life/relationships/14872-love-marriage-and-disability, love, marriage and disability

chelsea.ios.com/~mauro

cleispress.com, the ultimate guide to sex and disability for all of us who live with disabilities.

codi.buffalo.edu/graph_based/.aging/.conf/.sex.htm, love, sex and disability

comeasyouare.com/sex_and_disability

curbcut.com, sex icon.

cysticfibrosis.ca/page.asp?id=67, canadian cystic fibrosis foundation sexuality and cystic fibrosis.

dir.yahoo.com/health/diseases_and_conditions/sexual_disorders/sex_surrogates

disabilities-r-us.com

disabilities-r-us.com, disabilities-r-us

disability and sexuality.abilities.ca/sex/2008/12/15/sex_education_teens_disability, sex education for teens and young adults

disability.com

disability.vic.gov.au/dsonline/dsarticles.nsf/pages/disabilityand sexualissues?opendocument

disabilityexchange.org

disabilitynow.org.uk/timetotalksex

disabilitynow.org.uk/timetotalksex/timetotalksex_feat1.htm

disabilityresources.org/sex.html

disabilityworld.org/03-04_01/arts/sexuality.shtml, mental orgasm.

disabilityworld.org/06-08_04/il/sex.shtml

disabled.gr

disableddating.com

disabledparents.net

disabled-world.com

disabled-world.com/artman/publish/sex-positions.shtml

disabled-world.com/communication/disabled-dating/

disabled-world.com/disabled-dating

disaboom.com/disability-dating-and-relationships-general/seeing-beyond-disability-to-love

disaboom.com/sexuality-and-disability

diverse-city.com, books for people with developmental disabilities.

dominionpaper.ca/arts/2006/05/26/strong_nud.html

ds-health.com/issues.htm, issues of sexuality in down syndrome.accessibility.com.au/news/articles/part1_sex.htm, sex and disabilities, the access foundation, australia

dummies.com/wileycda/dummiesarticle/id-716.html

emedicine.com/pmr/topic178.htm, sexuality and disability.

empowermentzone.com, section on sexuality

enablelink.org/sexuality.html

ericec.org/faq/sex-ed.html, youth with disabilities.

ericec.org/lawguide.html, eric clearinghouse on disabilities and gifted education.

filmakers.com, info@filmakers.com, video called untold desires.

fpg.unc.edu/~ncodh/articles/sexualitpersonddisabilities.html

gimpsex.org

goaskalice.columbia.edu/1005.html

goaskalice-cms.org/1475.html, info for the nondisabled partner.

hants.gov.uk/socservs/domcare/physdis.html

hda.org.uk/download/acrobat/hdafs011.pdf, huntington’s disease.

healthgate.partners.org/browsing/browsecontent.asp?filename=14511.xml&title=sex+and+disabilities+not+mutually+exclusive

hisandherhealth.com/articles/questions_and_answers_for_persons_with_disabilities.shtml

housingall.com/disabilities/mhaprofs/anxiety.htm

icevi.org/publications/icevix/wshops/0412.html, social/sex education for children and youth with visual impairments.

ic-network.com/library/rasex.html, the impact of chronic diseases and sexuality.

ic-network.com/library/rasex.html, the impact of chronic diseases and sexuality.

iidc.indiana.edu/cedir/sexuality.html

independentliving.org/docs5/sexdis.html

independentliving.org/toolsforpower/tools25.html, being in love and being a woman with a disability

jik.com/hwawd.html

journals.sped.org/ec/archive_articles/vol.36no.1septoct2003_tec_wolfe36-1.pdf#search='sex,disabilities', sex education for students with disabilities: an evaluation guide.

journals.sped.org/ec/archive_articles/vol.36no.1septoct2003_tec_wolfe36-1.pdf

kinseyinstitute.org/resources/sexlinks.html

lookingglass.org

loverollson.wordpress.com, unlikely tales of marriage, love and disability

loverollson.wordpress.com/tag/disability-and-sex/

mainstream-mag.com/gimpsex.html

mdausa.org/publications/quest/q43speak.html, consistently not feeling up to having sex doesn't have to be tolerated, even if you have a neuromuscular disorder.

medicalnewstoday.com/medicalnews.php?newsid=24949, learning disabilities, sex & the law.

menstuff.org/resources/resourcefiles/disabilities.html

mentalhealthandillness.com/articles/sexandlymedisease.htm

moddrc.com/information-disabilities/topicpages/s-lettertopics/sexualitypreparingyourchildwithspecialneeds.doc

mossresourcenet.org/sexuali.htm

mssociety.ca/en/help/publications.htm, sexuality and ms.

mssocietyca/en/pdf/sexuality.pdf, sexuality and multiple sclerosis.

musculardystrophybook.com/love-disability

mypleasure.com/education/disability/index.asp

mypleasure.com/education/disability/index.asp?nav=3, developmental disabilities and sexual education articles.

mypleasure.com/education/sexed/disabilitylist.asp

mypleasure.com/education/sexed/how_to_when_youre_disabled.asp

nau.edu/ihd/natcap/capreference/ada

nerve.com/speciallssues/sexanddisability practicalsuggestions.org.uk

netreach.net/~abrejcha

netreach.net/~abrejcha/sex.htm

netreach.net/~abrejcha/sexmf.htm

newmobility.com

nichcy.org, 800-695-0285, pamphlet on sexuality education for children with disabilities.

nichcy.org/pubs/outprint/nd17txt.htm, sexuality education for children and youth with disabilities.

nichcy.org/resources/sexualityeducation.asp

njddc.org/health-news3.pdf#search='sex,disabilities', women with disabilities.

nsrc.sfsu.edu/magarticle684

nymetro.com/nymetro/nightlife/sex/columns/mating/10727, dating with disabilities.

nymetro.com/nymetro/nightlife/sex/columns/mating/10727/index.html, dating with disabilities.

oclung.org/webpages/sexuality.html, sexuality and chronic breathing problems

outsiders.org.uk, outsiders is a community of disabled people who work together to campaign for the acceptance of disabledpeople as sexual partners

pacificnews.org/marko/sex-surrogate.html, disability & sexual surrogacy.

paralinks.net/paralinksarchives/graceofmyheart.html

paralinks.net/sexualitysci.html

pdassoc.com, disability training videos & resources.

phppo.cdc.gov/phtn/svprev/disability.pdf#search='sex,disabilities', sexual assault against people with disabilities.

ppsr.com/sex_silicon_and_polio_survivors.html

primenet.com/~lathrop/gimp

psychologytoday.com/blog/aspergers-diary/201201/love-identity-and-disability

quadjoy.com, mouse for quadrapelics, etc.

qualitymall.org/products/prod5.asp?prodid=905

queersonwheels.com, lgbtq with physical disabilities

rocklaw.lexipal.com/article/14511

scarleteen.com, no big deal (sex and disability)

scisexualhealth.com

scisexualhealth.com/sandd.html

sesa.org/newsltr/ref_sexuality/sli11.html, sexuality in down syndrome.fpg.unc.edu/~ncodh/articles/sexualitpersonddisabilities.html, sexuality and persons with disabilities from the north carolina office on disability and health

sexsupport.org

cqc.state.ny.us/hottopics/sexhot.htm, sexuality and people with mental disabilities.ed.gov/pubs/americanrehab/spring97/sp9707.html, sci & sexuality.

sexualhealth.com/channel/view/disability-illness/

sexuality.about.com/od/adaptingsextoystips/index.htm

sexuality.about.com/od/disability

sexuality.about.com/od/disability/index.htm sexuality.org

sexuality.about.com/od/disability/tp/adaptsextoys.htm

sexuality.org

sexuallyable.wordpress.com

 

 

Book 11. Canadian Senior Citizens Guide

The “People Power” Disability-Serious Illness-Senior Citizen Superbook

The "People Power" Disability-Serious Illness-Senior Citizen Superbook:

Book 11. Canadian Senior Citizens Guide

Table of Contents

Chapter 1. Canadian Seniors 1

Canadian Senior Websites

Canadian Senior Organizations

Canadian Senior Resources

Canadian Senior Fitness

Canadian Senior Health

Canadian Senior Travel

Canadian Travel Insurance

Canadian Health Insurance for Canadians Leaving Longer Than Three Months

Provincial Medical Offices

Provincial Senior Offices

Chapter 2. Canadian Seniors 2

Canadian Community Living/ Cohousing

Canadians Living Elsewhere

Leaving Canada

Canadian Senior Work

Chapter 3. Getting Older in Canada

Canadian Estate Planning

Canadian Estate Planning Websites

Canadian Retirement Websites

Canadian Retirement Planning/ Canadian Senior Money

Canadian Human Resources

Canadian Pension Info

Provincial Pension Commission

Canadian Advance Directive

Provincial Offices For Advance Directives

Canadian Probate Fees

Canadian Reverse Mortgage

Canadian Will

Chapter 4. Canadian Funeral-Related

Canadian Funerals Info

Provincial Funeral Service Assns.

Provincial Licensing Departments For Funeral Services

Canadian Veteran’s Funeral

Chapter 5. Canadian Homecare & Senior Living

Canadian Homecare Websites/ Canadian Eldercare Websites

Canadian Caregiving/ Home Healthcare by Province

Hire a Private Nurse in Canada

Canadian Long-Term Care Insurance

Canadian Nursing Homes, Etc.

Canadian Senior Housing: Retirement Communities & Homes

Some Specific Canadian Retirement Homes/ Canadian Retirement Communities

Canadian Hospice Info

Chapter 6. Canadian Senior by Province

Alberta Senior Information

British Columbia Senior Information

Manitoba Senior Information

New Brunswick Senior Information

Newfoundland Senior Information

Nova Scotia Senior Information

Ontario Senior Information

Prince Edward Island Senior Information

Quebec Senior Information

Saskatchewan Senior Information

Northwest Territories Senior Information

Nunavut Senior Information

Yukon Senior Information

Canadian Senior Citizens Introduction

This is a simple book of contact information for virtually all the areas of life a Canadian senior citizen might be affected by or interested in.

Chapter 1. Canadian Seniors 1

Canadian Senior Websites

seniorsinfo.ca

carp.ca, assn. of retired persons.

seniors.gc.ca

seniors.ca

hc-sc.gc.ca/seniors-aines/pubs

carphealth.ca, canadian seniors health

hc-sc.gc.ca/hpppaguide, fitness.

rightage.org/sites

ltcplanningnetwork.com, long term care planning network.

retirecanada.about.com olderwomensnetwork.org older women's network, toronto, on, the older women's network works to achieve a caring society in which older and midlife women have the opportunity to live in security and with dignity

crm.mb.ca/seniorhp.html 50plus.com, 50 plus advocacy group

canada55plusgames.com, sports meet.

50plus-club.ca thematuremarket.com 50plus-club.com/canada

seniorsite.com

canadian-senior.com househunting.ca

seniorslivingguide.ca

seniorsforliving.com

longtermcarecanada.com

seniorwomen.com/ca cnpea.ca, elder abuse in canada.

retirementconcepts.com, a network of senior living communities with locations across canada.

isnowbird.com, snowbird lifestyle guide

regal.ca, products for healthy living.

mealcall.org/canada

advancedseniorsolutions.com, online directory for senior resources and information.

phac-aspc.gc.ca/seniors-aines/index_pages/publications_e.htm, public health association of canada.

seniors.ca

comparaction.com

cccts.org, cross canada cycle tour society, richmond, bc.

regal.ca, products for healthy living.

kraftcanada.com

legion.ca, the legion.

directalert.ca, emergency alarm for independent seniors.

royallepage.ca/retiring/

fasterinfo.com/ 209.237.152.31

50plus.com

50plusexpo.ns.ca, 800-670-0065.

50plusmag.com ageofreason.com

agingincanada.ca

alcoa.ca, 800-549-9799, active living coalition.

alzheimer.ca

arthritis.ca

baycrest.org, seniors canada.

caa.ca, canadian automobile assn.

cacc-acssc.com, community care.

cagacg.ca, canadian association on gerontology

canada.gc.ca, 800-o-canada, canadian government.

canada411.sympatico.ca, canadian telephone directory.

cancer.ca

caregiver.on.ca

cdnhomecare.on.ca, canadian homecare association

centralparklodges.com, nursing homes, retirement homes, ontario, canada.

chin.gc.ca, heritage.

chip.ca, 800 563 2447, reverse mortgage.

choicesafter50.com

chp-pcs.gc.ca/chp/index_e.jsp/ pageid/4005/odp/top/health/seniors, health canada, seniors

cmhc.ca, canadian mortgage and housing corp.

cmhc.ca/en/search/search_001.cfm, 800-668-2642, home adaptations for seniors and persons with disabilities cpp.rpc.gc.ca, pension plan consultation.

cra.gc.ca/seniors, 800 959 8281, canada revenue agency.

crm.mb.ca/scip, seniors computer information project.

crm.mb.ca/scip/income/index.html

csrds.ca, square and round dance assn.

cyberus.ca/~helpage, help the aged.

dartmouthvolksmarchclub.com, walking club, dartmouth, ns.

dmfseniors.org, don mills foundation for seniors.

dosado.com/clubsorgs/clubs_ca.html, square dancing.

eldernet.com

elderweb.org

extendicare.com, nursing and retirement homes, canada.

fifty-five-plus.com

fiftyplus.com

fifty-plus.net

freenet.calgary.ab.ca/populati/communit/seniors/sen_menu.html

fsna.com, organization for retired federal employees.

geriatricsandaging.ca

goodtimes.ca, seniors

hc-sc.gc.ca, health canada.

hc-sc.gc.ca/seniors-aines, division of aging, federal government.

helptheaged.ca

howtocare.com, caregiving in canada.

hrdc-drhc.gc.ca/hrdc//dept/facts/intro_e.html, spouse allowance, widowed spouse allowance.

hrdc-drhc.gc.ca/hrdc/dept/facts/intro_e.html, seniors info government of canada.

ifa-fiv.org

infoseniors.com

inneroracle.com interlog.com/~gallantg/canada, bird watching.

jobjunction.ca, some services for seniors.

lastpostfund.ca, 800-565-4777, pays for funerals for vets.

legion.ca, royal canadian legion.

liver.ca

majendie.com/cottier

mbnet.mb.ca/crm

mbnet.mb.ca/crm/health/mile.html, medical information for the elderly.

mbnet.mb.ca/crm/other/genworld/sources.html

mbnet.mb.ca/crm/seniorhp.html

mbnet.mb.ca/scip/options45/inet.html, job resources.

naca.ca, council on aging, federal government.

nin.ca, nutrition.

ourtimes.ca, magazine.

ow50+.com, our world 50+ magazine.

phac-aspc.gc.ca/seniors-aines/index_pages/ whatsnew_e.htm, public health agency of canada: division of aging and seniors

rd.com, some articles.

retirement-living.com

retirementready.net

retireweb.com

retireweb.com/finance/govtprograms.html

retireweb.com/othersites.html

routestolearning.ca, learning for seniors.

rpnao.org, care connection.

safety-council.org/info/seniors/seniors.htm

scoregolf.com, canada golf.

scp-ebb.com, 888 807 7777, internet training program for seniors, offered by the federal government.

sdc.gc.ca, pension, old age benefits.

senior citizens, inc.

seniornet.org

seniorresource.com

seniorresource.com/house.htm

seniors.gc.ca, 800 227 9914, pension, etc.

seniorsgotravel.com

seniorsadvocate.com, halifax publication.

seniors-site.com

seniortours.ca, 800-268-3492.

senioryears.com, canadian.

snowbird.ca, retirees.

snowbirds.org, 800-265-3200

southam.com/edmontonjournal/sens/sensindex.html

sunnybrook.utoronto.ca/~csia, studies in aging.

tdbank.ca/tdbank/pers/guide/retire.html

theseniortimes.com

vac-acc.gc.ca, 866 522 2122, veterans.

wisevillage.com

Health & Welfare Canada.

613-952-7606

seniors@hc-sc.gc.ca

hwc.ca

hwc.ca/datahpsb/seniors

hwcweb.ca

hpb.hwc.ca

CareAble Canada

(416) 362-9176

careable@sympatico.ca

New Outlook Magazine

65 Front St. E.

2nd Fl.

Toronto, ON M5E 1B5

416 360 7339

Fax: 416 360 8846

newoutlook@redwoodcc.com

Canadian Senior Organizations

seniors.gc.ca

servicecanada.gc.ca/en/audiences/seniors/

CARP

27 Queen Street East

#1304

Toronto ON M5C 2M6

800-363-9736

fax 416-363-8747.

carp.ca

carp@carp.ca

Diamond Geriatrics, Inc.

25 West 11th Avenue

Vancouver BC V5Y 156.

604-874-7764.

diamondgeriatrics.com

Care management company.

Alzheimer Society of Canada

20 Eglinton Avenue W.

#600

Toronto ON M4R 1K8

800-616-8816.

alzheimer.ca

info@alzheimer.ca

Arthritis Society of Canada

393 University Avenue

Toronto

arthritis.ca.

Caregiver Network

561 Avenue Road

#206

Toronto ON M4V 2J8.

416-323-1090

caregiver.on.ca

A directory of geriatricians and geriatric care managers

Heart and Stroke Foundation of Canada

222 Queen Street

#1402

Ottawa ON K1P 5V9

613-241-4361.

heartandstroke.ca

Multiple Sclerosis Society of Canada

250 Bloor Street East

#1000

Toronto ON M4W 3P9

800-361-2985.

mssoc.ca

info@mssoc.ca.

Parkinson Foundation of Canada

4211 Yonge Street

#316

Toronto ON M2P 2A9

800-565-3000.

parkinson.ca

Canadian Senior Resources

Assemblee des ainees et aines francophone

du Canada

450, rue rideau

Bureau 300

Ottawa, ON KIN 7B7

(613) 241-7600

Assn. of Mature Canadians

800-667-0429

Canada Mortgage & Housing Corp.

Cmhc National Office

700 Montreal Rd.

Ottawa, On K1a 0p7

800-668-Cmhc

613-748-2000

Fax: 613-748-2098

cmhc.ca

Canadian Assn. For the Fifty Plus

27 Queen St. E.

#1304

Toronto, On M5c 2m6

416-363-9736

888-239-2444

800-363-9736

Fax: 416-363-8747

50plus.com

Canadian Division of Aging & Seniors

3rd Fl.

473 Albert St.

Ottawa, On Kia Ok9

613-952-7358

Fax: 613-957-7627

Canadian Executive Service Organization

175 Bloor St. E.

#400

Toronto, On M4w 3r8

416-961-2376

Fax: 416-961-1096

Senior retired business people help younger businessmen with their businesses in this volunteer organization.

The Canadian Institute of Chartered Accountants

277 Wellington St. W

Toronto, ON MSV 3H2

(416) 977-3222

Fax:(416) 977-8585

cica.ca

Eldercare accountants.

The Canadian Bar Association

500-865 Carling Ave.

Ottawa, ON K1S 5S8

(613) 237-2925 (613) 237-1988 800-267-8860

Fax: (613) 237-0185

info@cba.org

cba.org

Eldercare lawyer.

Canadian Palliative Care Association

286-43 Bruyere Street

Ottawa, ON KIN 5C8

(613) 241-3663

Canadian Seniors Network

One Voice

350 Sparks St.

#1005

Ottawa, On Kir 7s8

613-238-7624

Fax: 613-235-4497

Canadian Snowbird Assn.

180 Lesmill Rd.

Toronto, ON M35 2T5

800 265 3200

416 391 9000

snowbirds.org

Division of Aging &

Seniors Population

Health Directorate

Health Canada

Postal Locator 4203a

Ottawa, On K1a 0k9

613-954-8536

Fax: 613-957-9938

Dying with Dignity

600 Eglinton Avenue East, #401

Toronto, ON M4P IP3

(416) 486-3998

Federal Superannuates National Association

#401

233 Gilmour Street

Ottawa, ON K2POP2

(613) 234-9663

Fax: (613) 234-2314

fsna.com

Health And Welfare Canada

Publications Distribution Center

Brooke Claxton Bldg.

Tunney's Pasture

Ottawa, On K1a 0k9

613-952-9191

hwc.ca, health and welfare.

hwc.ca/datahpsb/seniors

hwcweb.ca, health and welfare canada.

Mature Outlook

Pob 4200, Sta. A

Toronto, ON M5W 3A8

800 265 3675

800 650 9950, French

sears.ca

Join this club, get a magazine and discounts at Sears stores.

National Academy of Older Canadians

411 Dunsmuir St.

Vancouver, BC V6B 1X4

604 681 3767

vcn.bc.ca/naoc

computer classes, other classes.

One Voice Seniors Network

350 Sparks St.

#1005

Ottawa, On K1r 7s8

613-238-7624

Fax: 613-235-4497

Consumer Advocacy Group.

Senior's Abuse Help Line Alberta

(780) 454-8888

Seniors Helping Seniors

55 Eglington Ave. E.

#311

Toronto, On M4p 1g8

416-481-2733

Fax: 416-481-6752

Canadian Senior Fitness

alcoa.ca, active living coalition for older adults

canadian-health-network.ca/, senior section.

centre4activeliving.ca/education/olderad

ults/index.html hc-sc.gc.ca/hppb/paguide/older/index.html

hc-sc.gc.ca/seniors-aines livingwell.ca, healthy seniors.

seniorfriendly.ca, alberta council on aging

uwo.ca/actage, canadian centre for activity and aging.

westendseniorsactivitycentre.com, edmonton.

who.int/hpr/ageing/publications.htm

Canadian Senior Health

phac-aspc.gc.ca/sh-sa_e.html

carphealth.ca, canadian seniors

Canadian Senior Travel

seniorsgotravel.com, canadian senior travel.

seniortours.ca

seniors.ca

floridabound.com

searstravel.ca, 866-fly-sears

selectours.ca, 888-533-9044.

selloffvacations.com, 877-selloff

seniorsgotravel.com

seniortours.ca, 800-268-3492.

shipmsm.com, transportation.

sierraclub.ca

medipacearlybird.com, travel insurance.

signature.ca, tour operator.

site59.com, last minute travel bargains.

skicanadamag.com

skipressmag.com

smtbus.com, 800-567-5151, buses in atlantic canada.

snoriderswest.com

snowbird.ca

snowbirds.org

Canada News

Pob 1729

Auburndale, Fl 33823-1729

800-535-6788

Newspaper for snowbirds.

Canadian Snowbird Assn.

180 Lesmill Rd.

N. York, On M3b 2t5

800-265-3200

snowbird.ca

Canadians who go south in the winter.

Elderhostel Canada

308 Wellington St.

Kingston, On K7k 7a7

613-530-222

elderhostel.org

eldertreks.com

800-741-7956

Travel Operator.

Grey Panthers

800-561-4739

Advocacy group, newsletter.

Seniors Tour & Travel

800-268-3492

Sun Times of Canada

515 West Bay St.

Tampa, Fl 33608

800-253-4323

Newspaper for snowbirds.

Canadian Travel Insurance

These companies mostly sell health insurance to Canadians if you're travelling out of the country.

cover-me.com, health insurance for visitors to canada.

ecanadianinsurance.com

homelifehealthautocarinsurance.info/canadianinsuranceonlinetravel/

homeworkersexpats.com/insurance/canadian-insurance.htm

internationalbenefits.com, 800 777 5765

pucherinsurance.com, travel, health, medical insurance.

snowbirds.org/html/medipac, 888 633 4722

travelcover.ca, 800 790 7788

travelguard.ca, 866 878 0191

medipac.com

insuremytrip.ca

247emergencyassist.com

888-824-4418

Administered Insurance Svcs.

888-779-7977

advantage-itp.ca

800-461-0730

Air Canada Travel Insurance

800-420-3011

Aarp Canada Travel Medical Insurance

888-813-8888

Aca Assurance Tour Medical Insurance

800-268-9633

Administered Insurance Svcs.

888-779-7977

Advantage-Itp.Ca

800-461-0730

Air Canada Travel Insurance

800-420-3011

aircanada.ca

Association of Mature Canadians

800 667-0429

Atto & Associates

800-263-9683

Bank of Montreal Travel Protection Plan

800-661-9060

Bci Bank Travel Insurance

800-267-7557

Blue Cross (Quebec)

888 588-1212

qc.croixbleue.ca

Blue Cross (Ontario)

800 873-2583

bco.indhealth@ ont.bluecross.ca bluecross .ca

Bluecross.Ca

800-873-2583

Ontario.

Caa Central Ontario

800-667-7222

caa.ca

caa-quebec.qc.ca

800-686-9243

Canada Life

800-268-6703

Canada Trust Travel Insurance

800-263-4008

Can-Am

800-224-3660

CAA Quebec Travel Agency

800-CAA-4357

caa-quebec.qc.ca

Can Am Special Risk Insurance

800-224-3660

Can-Am

800-224-3660

Canada Trust Travel Insurance

800-263-4008

Canada Life

800-268-6703

Canadian Snowbird Assn.

800-563-5104

Canadian Imperial Bank Travel Medical Insurance

800-708-6111, Over 65.

800-281-9109, Under 65

800-565-6010

cibcinsurance.com

Canadian Snowbird Assn.

800-563-5104

snowbirds.org

Canadian Travel Medical Insurance

800-260-6703

Canadian Western Bank

800-296-3783

Can Am Special Risk Insurance

800-224-3660

Canadian Association of Retired Persons (CARP)

877-450-7587

fifty-plus.net

Canadian Plus 800-880-0866

Canadian Assn. of Retired Persons

27 Queen St. E.

#1304

Toronto, On M5c 2m6

800-363-9736

888-239-2444

800-561-7831

416-383-8748

Fax: 416-363-8747

fifty-plus.net

Canadian Travel Medical Insurance

800-260-6703

Canadian Western Bank

800-296-3783

Cartmell Insurance Services/ Good Holiday

800 667-7267

bcc@uniserve.com

goodholiday.com

Citibank Visa Travel Insurance

888-592-9292

Citadel Assurance

(416) 928-8500

Commercial Union 800-268-4102

Credit Union Travel Insurance

800-263-5110

Crownlife

800-265-0261

culife.ca

800-268-4102

Desjardins/ Laurentian 800-463-7830

800-668-4545

avdl.com

Destination Travel

800-337-3532

Etfs/ Mediselect

800-680-3837

Florida Fun & Leisure Assn.

800-680-3837

Golden Age Insurance

800-387-0339

goodholiday.com

800-667-7267

Grey Power

888-731-6911

800-267-1515

Hartford

800-263-9175

Hong Kong Bank Travel Insurane

800-387-5290

Hsbc Travel Insurance

800-387-5290

Imperial Life

800-463-7830

ingle-health.com

800-216-3588

800-387-4770

International Medical Group

800-628-4664

Liberty Health

800-268-3763

Manulife

800-810-0187

Maritime Medical Care

800-565-8785

Medicare International

800-461-2100

Medisecure

800-268-6703

Mediselect

800-567-8819

Monnex

800-268-8955

Mutual of Omaha

800-268-8825

National Auto League Health

800-387-2298

National Bank

800-465-5077

National Trust Travel

800-315-2051

Norgaard Insurance Services

877-6797900

bknorgaard@qwest.net

Protection Plus

Golden Age

800-387-0339

Royal Bank Travel Health Protection

800-565-3129

Protection Plus

Golden Age

800-387-0339

RBC Travel Insurance

6880 Financial Dr.

Mississauga, On LSN 7Y5

905-791-8700

800-668- 4342

Fax: 905-816-2498,

royabank.com.

RV Advantage

877-777-7744

Scotia Bank Medical Insurance

800-387-9844

800-263-0997

sunvisitors.com

888-698-4040

Td Bank Green Plan Travel

800-293-4941

Thomas Cook

800-482-7744

Travel Insurance Coordinator

800-663-4494

Travel Insurance Made Easy

800-500-2947

Travel Insurance Specialists

800-563-0314

Travel Underwriters

800-663-5389

Travelers Choice

800-665-8553

Voyageur

800-265-6896

800-668-4342

Canadian Health Insurance for Canadians Leaving Longer Than Three Months

cdnresabroad.com

expatfinancial.com

sunvisitors.com, 888-698-4040

telferinsurance.com

Provincial Medical Offices

Division of Aging & Seniors

1908

Ottawa, On K1a 1b4

613-952-7606

Fax: 613-957-9938

seniors@hc-sc.gc.ca

hc-sc.gc.ca

Free publications like Seniors' Guide to Federal Programs and Services.

Preface your letters with Department of Health.

British Columbia

Medical Svcs. Plan of Bc

1515 Blanshard St.

Pob 2000, Sta. Prov. Govt

Victoria, Bc V8w 2y4

800-465-4911

800-663-7100

250-952-1742

250-952-5210

250-386-7171

604-683-7151, Vancouver.

Fax: 250-952-2964

rpb.ltrs@moh.hnet.bc.ca hlth.gov.bc.ca

hlth.gov.bc.ca/msphealth.gov.bc.ca

gov.bc.ca/healthservices

Office For Seniors

1st Fl.

1515 Blanchard St.

Victoria, Bc V8w 3c8

250-952-1238

Fax: 250-952-1159

hlth.gov.bc.ca/seniors

Alberta

10025 Jasper Ave.

Edmonton, Ab T5j 1s6

780-422-1954

780-427-1432, 1452

800-310-0000

Fax: 780-422-3552

Fax: 780-422-0102

ahinform@health.gov.ab.ca

ahcipmail@health.gov.ab.cahealth.gov.ab.ca

727 7th Ave. Sw

Main Fl.

Calgary, Ab T2p 0z5

403-297-6411

health.gov.ab.ca

inform@health.gov.ab.ca

Saskatchewan

Sk Health Registration

3475 Albert St.

Regina, Sk S4s 6x6

306-787-3013, 3475

306-787-3261

306-787-3251

306-933-6275, Saskatoon.

800-667-7551

800-667-7523

800-667-7766

Fax: 306-787-3761

Fax: 306-787-3823

health.gov.sk.ca

gov.sk.ca/health

Manitoba

Insured Benefits Branch

Manitoba Health

Pob 925

599 Empress St.

Winnipeg, Mb R3c 2t6

204-786-7221

204-786-7101

800-392-1207

877-218-0102

Fax: 204-783-2171

gov.mb.ca/health

gov.mb.ca/health/mhsiphealth.gov.mb.ca

Ontario

Pob 9000

Kingston, On K7l 5a9

613-545-3811

Fax: 613-545-4399

416-314-5518, Toronto.

800-268-1154

800-387-5559, Tty

infomoh@gov.on.ca

gov.on.ca/health

health.gov.on.ca

Ontario Health Insurance Plan

Ministry of Health

Pob 60258, Sta. Brm B

Toronto, On M7y 2h1

800-268-1154

416-314-5518

613-237-9100, Ottawa.

Quebec

Health Insurance Office

Regie De L'assurance Maladie Du Quebec

Service Des Operations Et Des Renseignements Aux Assures

1075 St. Foy

Pob 6600

Quebec City, Qc G1k 7t3

800-561-9749

800-707-3380

418-643-3380

418-646-4636

514-864-3411, Montreal.

800-561-9749

msss.gouv.qc.ca

gouv.qc.ca/vision/sante/sante_en.htmlramq.gouv.qc.ca

New Brunswick

Pob 5100

Carleton Pl., 7th Fl.

Fredericton, Nb E3b 5g8

888-762-8600

888-762-8700, French.

800-442-9799, After Hours Emergency Social Service.

506-684-7901506-453-2536

506-453-2161

Fax: 506-444-4697

Fax: 506-453-2726

medicare@gnb.cagov.nb.ca/hcs

gnb.ca/hw-sm/hw/index.htm

gnb.cagnb.ca/0051

health.nb.ca

Seniors

888-762-8600

888-762-8700, French.

800-442-9799, After Hours Emergency Social Service.

506-453-2145

Nova Scotia

Pob 488

1690 Hollis St.

Halifax, Ns B3j 2r8

902-424-5999

902-424-7538

800-565-3611

800-387-6665

800-563-8880

800-670-8888, Tty/ Tdd

Fax: 902-424-0615

gov.ns.ca/health

Medical Services Insurance

Pob 500

Halifax, Ns B3j 2s1

800-563-8880

902-468-9700

Newfoundland

Hospital Insurance Plan

Hospital Svcs. Division

Dept of Health & Community Svcs.

Confederation Bldg., West Block

Pob 8700

St. John's, Nf A1b 4j6

709-292-4010800-563-1557

800-563-2163

709-729-5021

709-729-4928

Fax: 709-729-4009

gov.nl.ca/health

gov.nl.ca/mcp

Medical Care Plan

Public Services Division

Elizabeth Towers

Pob 200, Sta. A

St. John's, Nf A1c 5j3

800-563-1557

709-758-1588

Fax: 709-729-4009

Prince Edward Island

35 Douses Rd.

Montague, Pe Coa 1r0

800-241-6970

902-368-5858

Fax: 902-838-2050

Health And Community Svcs. Agency

Govt of Pei

Pob 2000

Charlottetown, Pe Cia 7n8

902-368-6130

Fax: 902-368-4969

gov.pe.ca/hss/

Hospital & Medical Services Insurance

Dept of Health And Social Services

Pob 3000

Montague, Pe C0a 1r0

902-368-5858

Yukon

Yukon Healthcare Insurance Plan

Pob 2703

Whitehorse, Yt Yia 2c6

867-667-5725

867-667-3673800-661-0408

Fax: 867-393-6486

hss.gov.yk.ca

Northwest Territories

Western Nwt Health Services Administration

Dept of Health And Social Svcs.

Bag 9, 2nd Fl.

Icc Bldg.

Inuvik, Nt Xoe 0t0

867-979-7400

800-661-0830

Fax: 867-979-3197

Box 1320

Yellowknife,Nt X1a 2l9

867-920-6173

Fax: 867-873-0266

Eastern Nwt

Dept of Health And Social Services

Bag 002

Rankin Inlet, Nt Xoc Ogo

800-661-0833

867-645-5002

Provincial Senior Offices

Most local communities and counties have their own particular area agencies on aging so the wise thing to do is to contact your provincial office or look in your local phonebook to find the area office closest to you then proceed from there, asking them for general resources for seniors to help them get through life. Preface your letters with Office of Senior Affairs.

British Columbia

Bc Ministry of Health

1515 Blanshard St.

6th Fl.

Victoria, Bc V8w 3c8

205-952-1238

Fax: 205-952-1282

Alberta

Alberta Community Development

Main Fl., Standard Life Center

10405 Jasper Ave.

Edmonton, Ab T5j 4r7

403-427-6358

Fax: 403-422-5954

Saskatchewan

Sk Social Services

1920 Broad St.

Regina, Sk S4p 3v6

306-787-3619

Fax: 306-787-0925

Manitoba

Manitoba Seniors Directorate

822-155 Carleton St.

Winnipeg, Mb R3c 3h8

204-945-6565

Fax: 204-948-2514

Ontario

Ministry of Citizenship, Culture And Recreation

77 Bloor St.

8th Fl.

Toronto, On M7a 2r9

416-327-2422

Fax: 416-314-7458

Quebec

Minister of Social Services

Edifice Joffre

1075 Chemin St. Foy

11th Fl.

Quebec, Qc G1s 2m1

418-643-6386

Fax: 418-643-9024

New Brunswick

Health And Community Services

520 King St.

4th Fl.

Fredericton, Nb E3b 5g8

506-453-2480

Fax: 506-453-2082

Nova Scotia

1740 Granville St.

4th Fl.

Halifax, Ns B3j 2z1

902-368-6130

Fax: 902-368-6136

Newfoundland

gov.nl.ca

Prince Edward Island

Health And Community Svcs. Agency

Pob 2000

Charlottetown, Pe Cia 7n8

902-368-6130

Fax: 902-368-6136

Chapter 2. Canadian Seniors 2

Canadian Community Living/ Cohousing

Community living centers could be large apartments or small houses where a group of people get together, each get a room or apartment but there's a shared kitchen, shared yard, etc.

They share the duties of the house like cooking the meals, tending the yard, etc. The biggest groups that use this concept are lower income families, mentally retarded people and seniors.

Often the government supports these projects but some of them are run privately. It's a good way for a relatively independent senior without a lot of money to still live relatively free.

On a grander scale, cohousing communities are subdivisions, houses or apartment buildings built with a sense of community in mind. Everybody has their own living quarters but the backyard and few rooms are shared for social reasons. Some even have a big kitchen where a communal supper is cooked every night.

Canadian Assn. For Community Living

83 Portland St.

Dartmouth, Ns B2y 1h5

902-469-1174

Alberta Assn. For Community Living

11728 Kingsway Ave.

Edmonton, Ab T5g 0x5

403-451-3055

Assn. For Community Living

1-90 Market Ave.

Winnipeg, Mb R3b Op3

204-947-1118

Ontario Assn. For Community Living

1376 Bayview Ave.

Toronto, On M4g 3a3

416-483-4348

Quebec Assn. For Community Living

3440 Ave. De L'hotel De Ville

Montreal, Qc H2x 3b4

514-849-3616

Yukon Assn. For Community Living

106 Main St.

Whitehorse, Yt Y1a 2a8

867-667-4606

Canadians Living Elsewhere

canadianresidentabroad.com

can.taxes

expat.ca

grasmick.com/equalize.htm, taxes for canadians working in the u.s.

kpmg.ca/tax

snowbird.kpmg.ca

snowbird.ca

tax.ey.ca

Leaving Canada

If you decide to leave Canada, you have to determine if it's as a snowbird for part of the year during the cold winter months or permanently.

If you keep a home in Canada and live here more than six months a year, you're considered a resident so you're still taxed on your income.

Even if you live in Canada less than six months a year but keep your ties like own a house here, have a bank account, driver's license, etc., the CCRA can decide that you're still a resident and tax you.

On the bright side, you get an old age pension cheque from the federal government and relatively free medical care so it could be worth it if you don't have many assets but if you're taxed heavily, it might be better to move away.

An easy way, though technically illegal, is to maintain your residence in Canada but transfer the bulk of your wealth in the form of investments out of the country.

If you leave the country to take up residency abroad, legally Old Age Security/ OAS pension is cut off after six months but if you have a friend or relative who lives here, simply use their address, pay them $30 a month to mail you your cheque and what they don't know won't hurt 'em.

If you didn't live in Canada for at least 20 years after the age of 18, even though you're a Canadian citizen, you could be cut off from getting the old age pension.

The Canadian Pension Plan/ CPP is different. You paid into it through the company you worked for so you're entitled to it no matter what, regardless of where you move.

If you plan to leave permanently, the CCRA wants a piece of you so you're legally required to include all your securities on your final tax return with the idea that you've sold them and they're now taxable income (capital gains) even if you didn't actually sell them. This concept is called deemed disposition. Canadian real estate, commercial real estate and pensions are exempt from this rule.

If you stay a resident of Canada while living abroad, your RRSP stays the same and you (theoretically) continue to pay income taxes.

If you decide to leave permanently, there's a 25% witholding penalty for closing your RRSP or making withdrawals from it after you leave.

An RRIF or annuity has a 15% penalty. Pensions, interest payments on investments, dividends from stocks, etc. have a 25% witholding penalty as well.

Canada and other countries have tax treaties so if you decide to live elsewhere like the United States and apply for permanent residency status there, their IRS may want a piece of your money too. It all gets convoluted, beyond the scope of this book. Either talk to an immigration lawyer or a money expert on it.

Check with the country you plan to move to and start the paperwork to achieve residency status.

You generally need proof of medical well-being, proof of enough money to live without having to work and no harsh criminal record.

In some countries, you're not allowed to work a job, only invest your money in a business and prove either by showing a regular pension or annuity cheque or a statement for a lump sum of money that you are financially independent.

It's generally cheaper to live in any warm climate than it is in Canada. Currency fluctuations between world currencies could affect the value of your money somewhat when you convert.