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Jul 5th, 2012 | By | Category: Seniors

For your convenience, we have made an overview of all Government of Canada financial benefit programs and grants for seniors. Some are for the elderly in emergency situations or otherwise hard times. Some are designed to help offset property taxes for seniors with low to middle incomes who own their own homes. Some grants are reserved to cover health care costs and utility fees. Some are federal grants and contributions programs that support projects led or inspired by seniors who want to make a difference in the lives of others and in their communities. Other grants are for mature or “nontraditional” students seeking to go back to college later in life.

As a senior, you may benefit from the following initiatives:

National Grants for Seniors

Capital Assistance Funding

Capital Assistance Funding helps non-profit organizations to upgrade the facilities or equipment they use for existing seniors programs and activities. This enables seniors to continue to lead active lives by participating in programs in their communities. The following types of organizations can apply: non-profit organizations that have been delivering community programs and activities for seniors for the last two (2) years. This includes seniors clubs, seniors’ centres, ethnocultural organizations, service clubs, and Aboriginal organizations. Individuals, for-profit organizations, and municipal, provincial, and territorial governments are NOT eligible.

Targeted Initiative for Older Workers (TIOW)

The Targeted Initiative for Older Workers (TIOW) provides employment assistance services and employability improvement activities (such as skills upgrading and work experience) to unemployed older workers aged 55 to 64.


  • be aged 55 to 64 (in some circumstances, unemployed workers aged 50 to 54 or 65 and over may participate);
  • be unemployed;
  • be legally entitled to work in Canada;
  • require new or enhanced skills to successfully transition into new employment; and
  • live in an eligible community.

Community Participation and Leadership Funding

(New Horizons for Seniors Program)

Community Participation and Leadership Funding provides one-time, start-up grant funding for community-based projects that enable seniors to play an important role in their communities. It encourages seniors to contribute their skills, experience, and wisdom in support of social well-being in their communities, and helps to reduce their risk of social isolation. The following types of organizations can apply:

  • non-profit organizations, community-based coalitions, networks, or ad hoc committees;
  • municipal governments; and
  • Band/tribal councils or other Aboriginal organizations.

If specified in the Call for Proposals, post secondary, social service, or public health institutions may apply provided they have the agreement of their provincial or territorial government.

Note: Individuals and for-profit organizations are not eligible.

Elder Abuse Awareness Funding

Elder Abuse Awareness Funding provides contribution funding to help non-profit organizations develop national, provincial/territorial, or regional awareness activities for seniors, their families, and service providers in order to help prevent the abuse of older adults. Abuse can take many forms, including physical, psychological, emotional, verbal, or financial abuse as well as neglect or denial of entitlements protected by law. Elder Abuse Awareness Funding is intended to help communities address this issue. Eligible organizations must be:

  • Canadian;
  • Legally incorporated; and
  • Not-for-profit.

Programs and Services for Seniors in Ontario


Service Canada

Service Canada is the Government of Canada’s one-stop service delivery network. In partnership with other departments, agencies, and levels of government, Service Canada offers seniors an easy point of access to a wide range of the programs and services they need.

  • Guide to Government of Canada Services for Seniors
  • Canada Pension Plan (CPP)
  • Canada Pension Plan Statement of Contributions
  • Old Age Security (OAS) Pension
  • Guaranteed Income Supplement (GIS)
  • Allowance Program (a monthly benefit for low-income seniors age 60–64 whose spouse or common-law partner is eligible for, or currently receiving, the OAS pension and the GIS)
  • Allowance for the Survivor Program (for seniors age 60–64)
  • International Benefits (may provide retirement, disability, or survivor benefits to eligible individuals who have lived or worked in another country)
  • Employment Insurance (including compassionate care benefits)
  • Canadian Retirement Income Calculator
  • Canadian Government Annuities
  • Canada Education Savings Program (investing in your grandchildren’s future)
  • Common Experience Payment

Canada Revenue Agency

The Canada Revenue Agency administers tax laws for the Government of Canada and for most provinces and territories. It also administers various social and economic benefit and incentive programs delivered through the tax system. Seniors may be eligible for certain services and tax credits.

  • GST/HST credit
  • RRSPs and related plans
  • Pension income splitting
  • Tax Credit for Public Transit Passes
  • Community Volunteer Income Tax Program (for seniors with low income and a simple tax situation)
  • Paying Your Income Tax by Instalments

Veterans Affairs Canada

Veterans Affairs Canada provides veterans with pensions for disability or death, economic support in the form of allowances, health care benefits, and services. Veterans Affairs Canada administers several financial services and benefits to seniors who are veterans.

  • Veterans Affairs Disability Pension Program
  • War Veterans Allowance
  • Prisoner of War Compensation
  • Bureau of Pensions Advocates (free legal help for veterans who are not satisfied with decisions about their claims for disability benefits)


Canada Mortgage and Housing Corporation

The Canada Mortgage and Housing Corporation is Canada’s national housing agency. As Canada’s premier provider of mortgage loan insurance, mortgage-backed securities, housing policy and programs, and housing research, it also administers programs that help seniors to repair or adapt their residences so they can live in their own homes independently.

  • Emergency Repair Program (for rural clients)
  • Residential Rehabilitation Assistance Program and Residential Rehabilitation Assistance Program for Persons with Disabilities
  • Home Adaptations for Seniors’ Independence Program

Natural Resources Canada

Natural Resources Canada provides information about programs, services, and resources that can help individuals consume less energy in their homes.

  • EcoEnergy Retrofit
  • ENERGY STAR Initiative

Veterans Affairs Canada

Veterans Affairs Canada also administers two housing programs for veterans who require varying degrees of assistance.

  • Veterans Independence Program
  • Long-term Care Program

Indian and Northern Affairs Canada – Assisted Living Program

Indian and Northern Affairs Canada’s Assisted Living Program helps First Nations people with functional limitations (because of age, health problems, or disability) to maintain their independence, to maximize their level of functioning, and to live in conditions of health and safety.


Seniors Canada

This link contains information on a wide variety of subjects that relate to seniors, including finances and pensions, housing, health, and wellness.

Ontario Guaranteed Annual Income System for Seniors

The Guaranteed Annual Income System ensures a guaranteed minimum income for Ontario seniors. It provides monthly payments to qualifying pensioners on top of the federal Old Age Security pension and the federal Guaranteed Income Supplement.

Ontario Works/Social Assistance

This program provides financial assistance to eligible individuals who require funds to pay for basic needs, such as food and housing costs.

Senior Homeowner’s Property Tax Grant

This tax grant is an annual amount provided to help offset property taxes for seniors with low and moderate incomes who own their own homes.

Property Tax Relief for Low-Income Seniors

Homeowners who are low-income seniors may be eligible to receive property tax relief.

A Guide to Programs and Services for Seniors in Ontario

This guide provides information on the programs, benefits, and services available to seniors in Ontario. It contains a section that addresses seniors’ finances.

Ontario Non-Profit Housing Association

The Ontario Non-Profit Housing Association provides non-profit housing for low-income individuals as well as supportive housing for seniors.

Supportive Housing

Supportive Housing is designed for people who only need minimal to moderate care to live independently. Accommodations usually consist of rental units within an apartment building. This Web site provides information about supportive housing and how to apply for it.

Retirement Homes

Retirement homes are privately owned rental accommodations for seniors who are able to manage and pay for their own care. This Web site provides information about retirement homes and how to apply for this type of accommodation.

Long-Term Care (LTC) Homes

Long-term care homes are designed for people who require the availability of 24‑hour nursing care and supervision within a secure setting. This Web site provides information about long-term care homes and how to apply for this type of accommodation.

For more information on these Ontario provincial programs and services, please visit or the Web sites listed above, or call 1-800-267-8097. You may also call the toll-free Seniors’ InfoLine at 1-888-910-1999 or visit the Ontario Seniors’ Secretariat at

211 Ontario

This Web site connects people with information and provides access to a broad range of community resources as well as social, health, and related government services and programs.



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