The "People Power" Disability-Serious Illness-Senior Citizen Superbook:
Book 11. Canadian Senior Citizens Guide
Table of Contents
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
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.
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
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.
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