Advocacy Centre for the Elderly (ACE)
🏛 Public serviceProvincial
A specialty community legal clinic funded through Legal Aid Ontario that serves low-income seniors, the first of its kind in Canada. Its lawyers give free advice and representation on elder abuse, health care consent, powers of attorney, home care, retirement home and long-term care problems. Direct casework focuses on the Greater Toronto Area; callers elsewhere in Ontario get information and referrals.
Verified by us 2026-08-05. Call the intake line on Monday, Wednesday or Friday, 9 a.m. to noon or 2 p.m. to 4 p.m.; intake is by phone only.
Alberta Supports Contact Centre
🏛 Public serviceProvincial
The Government of Alberta's front door to more than 30 programs and 120 services, including all of the seniors financial assistance programs. One call connects seniors and family caregivers to benefits and local offices, and staff can also explain the automatic 25 percent seniors discount on registry services such as driver's licence renewals.
Verified by us 2026-08-06. Call 1-877-644-9992 (780-644-9992 in Edmonton), Monday to Friday 7:30 am to 8 pm, or visit a local Alberta Supports office.
Seniors Property Tax Deferral Program
🏛 Public serviceProvincial
A Government of Alberta program that pays your residential property taxes for you through a low-interest home equity loan, repaid when the home is sold. Homeowners 65 and over with at least 25 percent equity in their home can apply.
Verified by us 2026-08-06. Apply with the loan application form and submit online at seniors.alberta.ca/submit-documents, by fax or by mail; call 1-877-644-9992 for help.
Alberta Seniors Benefit
🏛 Public serviceProvincial
A monthly Government of Alberta benefit that tops up income for seniors 65 and over with lower incomes. One Seniors Financial Assistance application, which you can file up to a year before your 65th birthday, also connects you to Alberta's other seniors benefits.
Verified by us 2026-08-06. Apply online at sfa.alberta.ca, by printed form, or call 1-877-644-9992 to have one mailed.
Special Needs Assistance for Seniors
🏛 Public serviceProvincial
A Government of Alberta benefit that gives low-income seniors a lump sum, up to $5,872 in a benefit year, toward items like appliances, a bed, some medical equipment and prescription co-payments. You send in receipts or estimates and the province pays its share.
Verified by us 2026-08-06. Apply for Seniors Financial Assistance first, then submit receipts or estimates through your MyAlberta Seniors account, by upload, fax or mail.
Supplementary Accommodation Benefit
🏛 Public serviceProvincial
A Government of Alberta benefit that helps low-income seniors pay the monthly accommodation charge in a continuing care home, while leaving at least $373 a month for personal costs. It arrives combined with the Alberta Seniors Benefit in one monthly payment.
Verified by us 2026-08-06. Covered by the same Seniors Financial Assistance application at sfa.alberta.ca; call 1-877-644-9992 with questions.
BC Home Owner Grant (higher amount for 65+)
🏛 Public serviceProvincial
A Government of British Columbia grant that lowers the annual property tax bill on your principal home, with a higher grant amount for owners aged 65 and over. You apply again each year after your tax notice arrives.
Verified by us 2026-08-06. Apply each year online or by phone at 1-888-355-2700 once you get your property tax notice.
SAFER (Shelter Aid for Elderly Renters)
🏛 Public serviceProvincial
A BC Housing program that pays monthly cash toward rent for British Columbians aged 60 and over whose rent takes more than 30 percent of their income. The province funds it so lower-income seniors can stay in their own rental homes.
Verified by us 2026-08-06. Download the application from BC Housing or call 1-800-257-7756; submit by online upload, mail, fax or in person.
Office of the Seniors Advocate BC information line
🏛 Public serviceProvincial
An independent office of the BC provincial government that watches over seniors services and runs a toll-free information line. Senior service specialists help seniors and family caregivers find the right programs and work through problems with health care, housing, income and transportation.
Verified by us 2026-08-06. Call 1-877-952-3181, Monday to Friday 8:30 am to 4:30 pm.
BC Seniors Supplement
🏛 Public serviceProvincial
An automatic monthly top-up from the Government of British Columbia for low-income seniors who receive Old Age Security and the Guaranteed Income Supplement. There is no application; payments start on their own about a month after your federal benefits begin.
Verified by us 2026-08-06. No application needed; payment is automatic for eligible seniors. Call 1-866-866-0800 with questions.
BC Property Tax Deferment Program (55+)
🏛 Public serviceProvincial
A Government of British Columbia loan program that lets homeowners aged 55 and over put off paying their annual property taxes until the home is sold or transferred. The province pays the tax bill for you and charges low interest on the balance.
Verified by us 2026-08-06. Apply and renew online through eTaxBC; call 1-888-355-2700 for help.
Low-Income Property Tax Exemption (CBRM)
🏛 Public serviceLocal
The Cape Breton Regional Municipality takes up to $300 a year off the property tax bill for lower-income homeowners, including many seniors on fixed incomes. If the home is your primary residence and your household income is under $40,800, you can apply with a short sworn form each tax year. Call 311 to have the form mailed or emailed to you.
Verified by us 2026-08-06. Pick up or request the application form by calling 311, complete and swear it, and return it to the Citizen Service Centre at City Hall, 320 Esplanade, Sydney, before the yearly deadline.
Burlington Low-Income Property Tax Reduction
🏛 Public serviceLocal
A City of Burlington program that takes $575 off the property tax bill for senior homeowners with low incomes. Seniors 65 and over receiving the Guaranteed Income Supplement qualify, as do homeowners receiving ODSP, if they have owned and lived in their Burlington home for at least a year.
Verified by us 2026-08-05. Apply online, by email to propertytaxprograms@burlington.ca, or in person at City Hall by December 31; reapply each year (2026 applications are open now).
Calgary Property Tax Assistance Program
🏛 Public serviceLocal
A City of Calgary program that gives lower-income homeowners, including many seniors, a credit for the year-over-year increase on their property tax bill. It runs through the same Fair Entry application as other city subsidies, and is separate from the Alberta government's Seniors Property Tax Deferral loan.
Verified by us 2026-08-06. Apply through Fair Entry between June 1 and December 31; call 311 (403-268-2489 from outside Calgary) with questions. Processing takes about 4 to 6 weeks.
Hamilton Seniors (65+) Tax Rebate
🏛 Public serviceLocal
A City of Hamilton rebate that takes $241 off the yearly property tax bill of low income homeowners aged 65 and over, plus an extra $175 Seniors Utility Rebate if the home has a metered water account. Once approved, you stay enrolled each year without reapplying.
Verified by us 2026-08-06. Complete the Seniors Tax Rebate application and submit it in person at City Hall or a Municipal Service Centre, or by mail, by the last business day of February of the following year; emailed applications are no longer accepted. Call 905-546-2489 with questions.
Hamilton Property Tax Deferral for Seniors
🏛 Public serviceLocal
City of Hamilton programs that let low income seniors and people on disability benefits put off paying property tax until the home is sold. You can defer just the yearly tax increase with no interest, or defer the full tax bill with interest and an application fee. The city also accepts compassionate appeals for tax relief in cases of extreme sickness or poverty.
Verified by us 2026-08-06. Complete the deferral application and submit it by mail or in person at City Hall or a Municipal Service Centre; a new application is required each year. Call 905-546-2489 with questions.
Oshawa Property Tax Grant for Low-Income Seniors
🏛 Public serviceLocal
A City of Oshawa grant that lowers the property tax bill for senior homeowners with low incomes. If you are 65 or older, receive the Guaranteed Income Supplement and have owned and lived in your Oshawa home for at least a year, the grant is credited straight to your tax account. Homeowners receiving ODSP also qualify.
Verified by us 2026-08-05. Apply between January 1 and April 30 each year, online or in person at Taxation Services, Oshawa City Hall, 50 Centre St. S.
Essential Health and Social Supports (EHSS)
🏛 Public serviceLocal
A City of Ottawa program that pays for essentials low income residents cannot afford, including urgent dental care, dentures, eye exams and glasses, part of the cost of assistive devices, bathroom aids, surgical supplies, and help with rent or utility arrears. A case worker assesses eligibility in a phone or in-person interview.
Verified by us 2026-08-05. Call 3-1-1 Monday to Friday, 8:30 a.m. to 4 p.m., press 1 for English then 4 for Community and Social Services.
Ottawa property tax deferral for low-income seniors
🏛 Public serviceLocal
A City of Ottawa program that lets low income seniors and people with disabilities put off paying all or part of their property taxes until the home is sold, with a matching deferral program for water bills. For 2026 the home must be assessed under $498,000 and gross household income under about $59,400; deferred amounts carry 5 percent yearly interest.
Verified by us 2026-08-05. Apply online, email taxdeferralprogram@ottawa.ca, or call Revenue Services at 613-580-2444 (Monday to Friday, 8 a.m. to 4:30 p.m.); renewals are due by September 30 each year.
Pickering Tax Grant for Low Income Seniors
🏛 Public serviceLocal
A City of Pickering grant of $620 in 2026 that is credited to the property tax account of senior homeowners with low incomes, offsetting the final September tax instalment. The city also runs a companion tax deferral program for the same group.
Verified by us 2026-08-05. Apply by August 19 each year with the online form (FIN 1701) plus supporting documents, or by mail or drop-off at Pickering City Hall; reapply annually.
Water, Waste and Municipal Tax Affordability Programs
🏛 Public serviceLocal
A City of Regina program for low income households that include a senior or a person with a disability. One application covers two kinds of help: deferring 600 or 1,200 dollars of municipal property tax, or the yearly increase, until the home is sold, plus monthly rebates of roughly 25 dollars on water and 4.50 dollars on waste bills, doubled for very low incomes.
Verified by us 2026-08-06. Send the affordability application form with your CRA Notice of Assessment and ID to APRSprograms@regina.ca or apply in person at City Hall or a leisure centre; tax deferral applications for 2026 close August 1.
Seniors Property Tax Deferral Program
🏛 Public serviceLocal
A City of Saskatoon program that lets homeowners 65 and older with low incomes put off paying some or all of the city and library portion of their property taxes so rising bills do not push them out of their home. One option simply freezes the yearly amount, and the deferred taxes are repaid only when the home is sold or transferred.
Verified by us 2026-08-06. Apply fresh each year by October 31 using the current application form, available at City Hall, leisure centres, and libraries or mailed on request; call 306-975-2400 for help.
Seniors Tax Reduction (City of St. John's)
🏛 Public serviceLocal
The City of St. John's reduces the property tax bill for lower-income senior homeowners. You qualify if you are 65 or older and receive the federal Guaranteed Income Supplement, or 60 to 64 and receive the Allowance for the Survivor, and the home is registered in your name as your main residence. Apply to the city with a confirmation letter from Service Canada.
Verified by us 2026-08-06. Complete the Senior Citizens Tax Reduction Application and include a Government of Canada letter confirming GIS or Allowance for the Survivor (request one at 1-800-277-9914); questions to 709-576-8251.
Toronto Hardship Fund (help with health expenses)
🏛 Public serviceLocal
A City of Toronto fund that pays for health items low-income residents cannot afford, including eyeglasses and eye exams, emergency dental work and dentures, prescription medications, walkers, hearing aids and hospital beds. It serves people who are not on Ontario Works or ODSP, regardless of immigration status.
Verified by us 2026-08-05. Call 416-338-8888 and select option 3. Apply before paying for the item, because purchases made first may not be reimbursed.
Property Tax, Water and Solid Waste Relief Programs
🏛 Public serviceLocal
A City of Toronto program that cancels or defers property tax increases and rebates part of water and garbage bills for low-income seniors and low-income people with disabilities who own their home. Applications for the 2026 tax year are open until November 2, 2026.
Verified by us 2026-08-05. Apply online each year (the CRA verifies income automatically) or send a paper form by mail; call 311 with questions.
Senior Utility Rebate
🏛 Public serviceLocal
A City of Whitehorse rebate that pays seniors back for city utility bills. Residents 65 and older, and qualifying surviving spouses, can get up to 500 dollars a year back on water, sewer, and curbside collection fees for their home.
Verified by us 2026-08-06. Apply with the city's rebate form at City Hall, 2121 Second Avenue, during the annual application window; processing takes two to three weeks, and 867-667-6401 can confirm current dates and amounts.
Senior and Disabled Tax Relief
🏛 Public serviceLocal
A City of Yellowknife rebate of up to 2,000 dollars a year on property tax for homeowners who are 65 or older, or living with a disability, and who own and live in the home. You apply each year with the city's Tax Relief Form, and rebates are not granted for past years.
Verified by us 2026-08-06. Download the Tax Relief Form from yellowknife.ca or pick one up at City Hall, attach the supporting documents, and submit annually; call 867-920-5600 weekdays 8 to 4:30.
Benefits Finder (canada.ca)
🏛 Public serviceNational
A free Government of Canada online tool that asks a few quick questions and builds a personal list of federal benefits, with filters for seniors and retirees aged 60 and over and for caregivers. It needs no account or personal identifying information, and it links to your province's own benefits page too.
Verified by us 2026-08-05. Use the tool online at benefitsfinder.services.gc.ca; for general help with federal programs call 1 800 O-Canada at 1-800-622-6232.
Tax credits for seniors and family caregivers (CRA)
🏛 Public serviceNational
Canada Revenue Agency credits that cut the tax bill for seniors and the relatives who support them, all claimed on the yearly tax return. They include the age amount for people 65 and older, pension income splitting with a spouse, the medical expense credit that covers attendant care and many home health costs, the Canada Caregiver Credit, the Home Accessibility Tax Credit for up to $20,000 a year of safety renovations, and the Multigenerational Home Renovation Tax Credit, which refunds 14.5% of up to $50,000 spent adding a secondary suite for a senior.
Verified by us 2026-08-05. Claim these credits when filing the yearly income tax return, or ask a tax preparer or free tax clinic to check each one; call the CRA with questions.
Disability Tax Credit (DTC)
🏛 Public serviceNational
A Government of Canada tax credit that lowers income tax for people with a severe, long-term impairment, or for the family member who supports them. Long-term conditions that affect everyday life, such as dementia, may qualify. Once approved, the credit can be claimed for past years going back up to 10 years, which can mean a large refund.
Verified by us 2026-08-05. Apply using the CRA's digital DTC application or Form T2201 by mail; a medical practitioner completes the medical part, then the credit is claimed at tax time.
Canada Groceries and Essentials Benefit (CGEB)
🏛 Public serviceNational
A tax-free Government of Canada payment every three months for people with low and modest incomes, which replaced the GST/HST credit in July 2026 with a 25% higher amount. There is no application; filing your tax return each year, even with no income, automatically signs you up if you qualify.
Verified by us 2026-08-05. File a tax return every year to be enrolled automatically; call 1-800-387-1193 with payment questions.
Free tax clinics (Community Volunteer Income Tax Program)
🏛 Public serviceNational
Free tax clinics supported by the Canada Revenue Agency, where trained community volunteers complete tax returns for people with a modest income and a simple tax situation. Filing every year is what keeps benefits like the Guaranteed Income Supplement flowing, so these clinics matter even when no tax is owed. In Quebec the program runs jointly with Revenu Quebec as the Income Tax Assistance volunteer program.
Verified by us 2026-08-05. Find a nearby clinic with the Find a free tax clinic directory on canada.ca; clinic types and dates vary by community organization.
Property Tax Rebate, Deferral, and Payment Help (Affordable Access Program)
🏛 Public serviceLocal
If the property tax bill is a struggle, Halifax Regional Municipality can pay part of it for you. This municipal program gives homeowners with a household income of $59,000 or less a rebate, and lets you defer the rest of the bill or switch to smaller monthly payments. The same Affordable Access application can also get you 50 percent off a monthly transit pass.
Verified by us 2026-08-06. Call 311 (1-800-835-6428 outside Halifax) or send one Affordable Access Program application by email to AffordableAccess@halifax.ca, by mail, or in person at a municipal recreation centre or customer contact centre.
Halton Older Adults Property Tax Deferral Program
🏛 Public serviceLocal
A Halton Region program that lets older homeowners with modest incomes put off paying their full annual property taxes, interest free, as a loan repaid when the home is sold. It applies across Halton, including Milton and Halton Hills, and is handled by each local tax office.
Verified by us 2026-08-05. Apply before September 30 with a recent Notice of Assessment at your local tax office: Oakville 905-845-6601, Burlington 905-335-7750; one-time $200 administration fee if approved.
Legal Aid Ontario
🏛 Public serviceProvincial
Ontario's provincial legal aid agency gives people with low incomes free legal help, including certificates that pay for a lawyer, duty counsel at court and a province-wide network of community legal clinics. One call checks what you qualify for, with service in over 300 languages.
Verified by us 2026-08-05. Call Monday to Friday, 8 a.m. to 5 p.m., to check what you qualify for and be directed to the right service or local clinic.
55 PLUS Program (Manitoba Income Supplement)
🏛 Public serviceProvincial
A Government of Manitoba benefit that pays lower-income Manitobans aged 55 and over a supplement four times a year, currently up to $161.80 per quarter for a single person and $173.90 for each eligible person in a couple. It helps stretch a fixed income between pension cheques.
Verified by us 2026-08-06. If you receive Old Age Security, eligibility is set automatically from your GIS or Allowance; otherwise mail or fax the printable application to Provincial Services any time of year, or call 204-948-7368 or 1-877-587-6224.
Primary Caregiver Tax Credit
🏛 Public serviceProvincial
A Government of Manitoba refundable tax credit of $1,400 a year for people who give unpaid care to a family member, neighbour, or friend living at home with significant care needs. It is not income tested, so caregivers can claim it even with no taxable income, helping cover costs like shopping, transport, and respite.
Verified by us 2026-08-06. Register online or by paper form (a doctor or nurse practitioner completes the Level of Care Equivalency form if needed), then claim the credit on your income tax return; call the Manitoba Tax Assistance Office at 204-948-2115 or 1-800-782-0771 with questions.
Manitoba Seniors' Advocate
🏛 Public serviceProvincial
Manitoba's independent Seniors' Advocate, an office created by the Government of Manitoba that opened in November 2025. The advocate looks into the problems seniors and their families face with health care, housing, and government programs, and reports to the legislature with recommendations for change.
Verified by us 2026-08-06. Call 204-583-0187 or email seniorsadvocate@seniorsadvocatemb.ca to raise a concern.
Seniors' School Tax Rebate
🏛 Public serviceProvincial
A Government of Manitoba rebate of up to $235 a year on the school taxes senior homeowners pay on their principal residence. It continues alongside the new Homeowners Affordability Tax Credit, which gives all homeowners up to $1,600 in school tax savings in 2026.
Verified by us 2026-08-06. Claim it on your personal income tax return; for questions call the Manitoba Tax Assistance Office at 204-948-2115 or toll free 1-800-782-0771.
School Tax Assistance for Tenants 55 Plus (STAT 55+)
🏛 Public serviceProvincial
A Government of Manitoba rebate of up to $175 a year that helps renters aged 55 and over with the school tax portion of their rent. Lower-income tenants can even apply retroactively for up to four past years.
Verified by us 2026-08-06. Mail or drop off the application form (printable or fillable versions online) to Provincial Services; call 204-948-7368 or 1-877-587-6224 with questions.
Seniors' INFOline
🏛 Public serviceProvincial
The Ontario government's free information line for anything to do with programs and services for seniors, from benefits and tax credits to housing, safety and community supports (TTY 1-800-387-5559). One call is often the fastest way to find out which provincial program fits your situation.
Verified by us 2026-08-05. Call the Seniors' INFOline for anything to do with Ontario seniors programs; no referral needed.
Low-Income Seniors' Benefit
🏛 Public serviceProvincial
A Government of New Brunswick benefit that pays low-income seniors $629 a year (2026 amount). If you receive the Guaranteed Income Supplement or the federal Allowance, you can apply online, by mail, or at a Service New Brunswick centre by December 31 each year.
Verified by us 2026-08-06. Apply online, by mail, or in person at Service New Brunswick between April 1 and December 31; call 1-833-796-0944 with questions.
Property Tax Deferral Program for Seniors
🏛 Public serviceProvincial
A Government of New Brunswick program that lets homeowners 65 and older put off paying the yearly increases in property tax on their main home. The deferred amount, plus interest, is only repaid when the home is sold or transferred.
Verified by us 2026-08-06. Apply online, by mail, or at any Service New Brunswick centre by December 31 of the tax year; call 1-800-669-7070 with questions.
New Brunswick Seniors' Advocate (Office of the NB Advocate)
🏛 Public serviceProvincial
An independent office of New Brunswick's Legislative Assembly that advocates for people 65 and older. Its case specialists help seniors who feel treated unfairly by provincial programs, including nursing home and special care home costs, refused home repairs, and access to services, at no charge and in confidence.
Verified by us 2026-08-06. Call 1-833-453-8653, email advocate-defenseur@gnb.ca, or send a message through the website; an Individual Case Specialist follows up.
Aging Well at Home Grant ($400)
🏛 Public serviceProvincial
A Government of Newfoundland and Labrador grant of $400 per household that repays low-income seniors for everyday services like snow clearing, lawn care, house cleaning, grocery and prescription delivery, foot care, dental work, and rides to appointments. Applications run on a yearly cycle with a March 31 deadline.
Verified by us 2026-08-06. Apply by email to Aging.Well@nlhealthservices.ca or by mail to NL Health Services Central Zone in Gander; call 709-651-6273 for help. The 2026-27 application was not yet posted as of August 2026.
Caregiver Benefit ($400 a month, NL)
🏛 Public serviceProvincial
A Government of Newfoundland and Labrador benefit that pays $400 a month to an unpaid caregiver, such as a family member or friend, who regularly cares for a lower-income senior with high care needs. It recognizes the caregiver's role and helps keep the senior at home.
Verified by us 2026-08-06. Download the application from the NL Health Services page and contact the Caregiver Benefit coordinator for your zone (Eastern Urban 709-752-4361); the care recipient needs a current NL Health Services assessment.
Office of the Seniors' Advocate NL
🏛 Public serviceProvincial
An independent office of Newfoundland and Labrador's House of Assembly that speaks up for seniors across the province. It reviews seniors' concerns about provincial programs, identifies systemic problems, and pushes government for change, and any senior or family member can contact it directly.
Verified by us 2026-08-06. Call (709) 729-6603 or toll-free 1-833-729-6603, or email SeniorsAdvocate@SeniorsAdvocateNL.ca.
Newfoundland and Labrador Seniors' Benefit
🏛 Public serviceProvincial
A Government of Newfoundland and Labrador refundable tax credit that pays low-income seniors up to $1,882 a year. There is no application: file your income tax return each year and the money arrives in quarterly instalments with the federal GST Credit payments in January, April, July, and October.
Verified by us 2026-08-06. File your annual income tax return; the CRA pays the benefit automatically. Call (709) 729-3166 with questions.
Caregiver Benefit ($400 a month)
🏛 Public serviceProvincial
A Government of Nova Scotia benefit that pays $400 a month to a family member or friend who gives 20 or more hours a week of unpaid care to a low-income person with high care needs. It recognizes the caregiver's work and helps them keep going.
Verified by us 2026-08-06. Call Continuing Care at 1-800-225-7225; both caregiver and care recipient are assessed.
Property Tax Rebate for Seniors
🏛 Public serviceProvincial
A Government of Nova Scotia rebate that returns half of the municipal property taxes a low-income senior paid last year, up to $800. If you receive the Guaranteed Income Supplement or the Allowance and your taxes are paid, you can apply until December 31 each year.
Verified by us 2026-08-06. Mail the application with supporting documents or drop it off at Access Nova Scotia by December 31; rebates take 8 to 10 weeks.
Seniors Care Grant ($750)
🏛 Public serviceProvincial
A Government of Nova Scotia grant of $750 per household that repays low-income seniors for everyday help they buy, like snow removal, lawn care, house cleaning, grocery delivery, taxis, foot care, physiotherapy, small home repairs, and home heating. Applications open each fall and close March 31.
Verified by us 2026-08-06. Apply online or by mail when the yearly window opens (recent rounds opened in September); call 1-800-670-4357 with questions. The 2026-27 round had not opened as of August 2026.
Seniors Fuel Subsidy
🏛 Public serviceProvincial
A Government of Nunavut program that pays for up to 4,000 litres of heating fuel a year for seniors 60 and older who own and live in their home. Households with net income up to $75,000 get the full subsidy and those up to $100,000 get half. Your local Income Assistance Worker helps you apply each year.
Verified by us 2026-08-06. Apply through your local Income Assistance Worker with proof of age, home ownership and last year's Notice of Assessment; regional offices: Qikiqtani 867-473-2600 or 1-800-567-1514, Kivalliq 867-645-5040 ext. 1604 or 1-800-953-8516, Kitikmeot 867-983-4032 or 1-800-661-0845.
Senior Home Heating Subsidy
🏛 Public serviceProvincial
A Government of the Northwest Territories subsidy that helps seniors 60 and older pay for heat in the home they own or a rented unit where heat is not included. Depending on community and income, eligible seniors receive $460 to $750 a month from September through April. Apply again each year.
Verified by us 2026-08-06. Apply at your local ECE Service Centre with proof of age, household income and homeownership or rental; deadline March 15 for the current season; 867-767-9355 or toll-free 866-973-7252.
Income Assistance for Seniors and Persons with Disabilities
🏛 Public serviceProvincial
A Government of the Northwest Territories income program for residents 60 and older whose income does not cover their basic needs. It pays actual shelter and utility costs plus set amounts for food and other basics, based on family size and community. Client Navigators at ECE Service Centres help with the application.
Verified by us 2026-08-06. Complete the application at your local ECE Service Centre with ID and financial information; main line 867-767-9355 or toll-free 866-973-7252.
Senior Citizens and Disabled Persons Property Tax Relief
🏛 Public serviceProvincial
A Government of the Northwest Territories program that removes all property tax for homeowners 65 and older in the General Taxation Area, which covers NWT communities outside the cities, towns and villages. Owners file a short sworn declaration form every year. Inside municipalities such as Yellowknife, the local government runs its own version of the relief.
Verified by us 2026-08-06. Get the application form from maca.gov.nt.ca, a MACA office or your community government and file it each year; MACA regional offices: North Slave 867-392-6900, South Slave 867-872-6525, Deh Cho 867-695-7226, Inuvik 867-678-8045 ext. 21652, Sahtu 867-587-7100.
NWT Senior Citizen Supplementary Benefit
🏛 Public serviceProvincial
A Government of the Northwest Territories benefit that adds $196 a month to the income of low income seniors. Anyone receiving Old Age Security plus the Guaranteed Income Supplement or the Spouse's Allowance gets it automatically with their federal payment. Filing taxes each year keeps it coming.
Verified by us 2026-08-06. Automatic once federal GIS or Spouse's Allowance is in place; questions to ECE income security at 867-767-9355 or toll-free 866-973-7252.
Ontario Electricity Support Program
🏛 Public serviceProvincial
An Ontario Energy Board program that puts a monthly credit of $35 to $113 straight onto the electricity bill of lower income households. Apply online, by paper form or with free help from a local intake agency; if you are already behind on a bill, ask about the related Low-income Energy Assistance Program at the same time.
Verified by us 2026-08-05. Apply online at ontarioelectricitysupport.ca, by paper form, or with free help from a local intake agency; the OESP contact centre answers questions at 1-855-831-8151.
Office of the Public Guardian and Trustee
🏛 Public serviceProvincial
The Ontario government office that steps in as decision maker of last resort when an adult can no longer manage their money or make care decisions and there is no family member or attorney able to act. Families can also call its investigations unit if they believe a mentally incapable person is being harmed or financially abused (TTY 1-833-813-5696).
Verified by us 2026-08-05. Call 1-800-891-0504, or email OPGT.Investigations@ontario.ca if you believe a mentally incapable adult is at risk of harm or financial abuse.
Ontario Seniors Care at Home Tax Credit
🏛 Public serviceProvincial
A refundable Ontario government tax credit that gives seniors 70 and older back up to 25 percent of eligible medical and home care expenses, to a maximum of $1,500 a year. It is claimed on Form ON479 with the income tax return.
Verified by us 2026-08-05. Claimed once a year on the senior's income tax return (ON-BEN or ON479 forms); GAINS needs no application for seniors already getting OAS and GIS.
Guaranteed Annual Income System (GAINS)
🏛 Public serviceProvincial
An Ontario government monthly payment that tops up the income of low-income seniors who already get Old Age Security and the Guaranteed Income Supplement. Payments of up to $92 a month for the 2026 benefit year arrive automatically; most seniors just need to file their tax return each spring to keep them coming.
Verified by us 2026-08-05. Automatic for seniors already receiving OAS and GIS; otherwise file your income tax return by April 30 or send a GIS application to Service Canada.
Ontario Senior Homeowners' Property Tax Grant
🏛 Public serviceProvincial
An Ontario government grant of up to $500 a year that helps seniors with modest incomes pay the property tax on their home. It is claimed by filling in the ON-BEN form with the yearly income tax return.
Verified by us 2026-08-05. Claimed once a year on the senior's income tax return (ON-BEN or ON479 forms); GAINS needs no application for seniors already getting OAS and GIS.
Ontario Trillium Benefit (energy and property tax help)
🏛 Public serviceProvincial
A monthly Ontario government benefit that combines the Ontario Energy and Property Tax Credit, the Ontario Sales Tax Credit and the Northern Ontario Energy Credit into one payment. Seniors 65 and older qualify for a higher property tax credit, up to $1,488 a year.
Verified by us 2026-08-05. File the yearly income tax return with the ON-BEN application form; payments then arrive automatically.
At Home Caregiver Benefit
🏛 Public serviceProvincial
A Government of Prince Edward Island benefit for seniors with high care needs who stay at home thanks to an unpaid family caregiver, friend, or neighbour. The person receiving care gets $250 to $1,500 a month depending on household income.
Verified by us 2026-08-06. Call 1-800-371-8245 to start; Home Care completes an assessment, then the Department of Social Development and Seniors enrols you and sets the monthly amount.
Seniors Property Tax Deferral Program
🏛 Public serviceProvincial
A Government of Prince Edward Island program that lets lower-income seniors stop paying property tax on their home for as long as they live there, with no interest charged on the deferred amount. The taxes are only repaid when the home is sold or from the estate.
Verified by us 2026-08-06. Send the application form to Taxation and Property Records with last year's Notice of Assessment for everyone in the home; call (902) 368-4070 with questions.
Seniors Independence Initiative
🏛 Public serviceProvincial
A Government of Prince Edward Island program that gives low-income seniors up to $1,800 a year to pay for practical help at home, such as light housekeeping, meal preparation, snow removal, grass cutting, transportation, internet, and a medical alert system.
Verified by us 2026-08-06. Apply online, download the form, or pick one up at Access PEI; call 1-877-569-0546 for help completing it, then staff visit to assess your needs.
Seniors Navigators
🏛 Public serviceProvincial
A free Government of Prince Edward Island service where two provincial navigators help seniors, family members, and caregivers figure out which programs they qualify for, fill in applications, and reach the right office. They also hold drop-in outreach sessions in communities across the Island.
Verified by us 2026-08-06. Call 1-866-770-0588 or email seniors@gov.pe.ca; you can also meet a navigator at a community outreach session or book an appointment.
Tax Credit for Home-Support Services for Seniors (70+)
🏛 Public serviceProvincial
A Revenu Quebec refundable tax credit that gives Quebecers 70 and over money back on home support expenses such as housekeeping, personal care and meal services, whatever their level of autonomy. It applies whether the senior owns a house, rents an apartment, lives with family or lives in a private seniors' residence, and it can be paid in advance through the year instead of at tax time.
Verified by us 2026-08-06. Claim it in the Quebec income tax return (Schedule J), or register with Revenu Quebec for advance payments.
Grant for Seniors to Offset a Municipal Tax Increase
🏛 Public serviceProvincial
A Revenu Quebec grant that softens a sharp municipal tax increase caused by a jump in home value, for seniors 65 and over who have owned their home for at least 15 consecutive years. The home must be their principal residence and family income must be $64,200 or less.
Verified by us 2026-08-06. Claim it on line 462 of the Quebec income tax return using form TP-1029.TM-V.
Quebec Pension Plan Retirement Pension (Retraite Quebec)
🏛 Public serviceProvincial
The Government of Quebec's public retirement pension, managed by Retraite Quebec, for anyone who contributed to the Quebec Pension Plan while working. You can start it as early as 60 at a reduced amount, take 100 percent at 65, or wait as late as 72 for a higher pension for life.
Verified by us 2026-08-06. Apply online through My Account or with a paper form a few months before you want payments to start; you can cancel within six months of the first payment.
Senior Assistance Tax Credit
🏛 Public serviceProvincial
A Revenu Quebec refundable tax credit of up to $2,000 for a single senior or $4,000 for a couple where both spouses qualify, for lower-income Quebecers 70 and over. There is nothing to claim: Revenu Quebec calculates it automatically when the senior files a Quebec income tax return.
Verified by us 2026-08-06. File a Quebec income tax return; the credit is calculated automatically.
Shelter Allowance Program
🏛 Public serviceProvincial
A Government of Quebec housing benefit, managed by Revenu Quebec for the Societe d'habitation du Quebec, that pays up to $170 a month to low-income renters, boarders and homeowners who spend 30 percent or more of their income on housing. People 50 and over living alone or as a couple can qualify, subject to income limits.
Verified by us 2026-08-06. Apply online in My Account for individuals or with the paper application; both spouses must have filed Quebec tax returns.
Peel property tax rebate for low-income seniors
🏛 Public serviceLocal
A Region of Peel program that gives low-income senior homeowners a yearly rebate on their property taxes, covering the city, Region, and school board portions. Council sets the rebate amount each year and it does not have to be repaid.
Verified by us 2026-08-05. Apply through your city tax office before December 31 of the tax year: Mississauga 905-615-4311 or Brampton 905-874-2200. You must reapply every year.
Saint John Seniors' Centre Free Income Tax Clinic
🏛 Public serviceLocal
The Saint John Seniors' Centre, a registered charity, offers free income tax preparation for low-income seniors each tax season, helping about 600 people file their returns. This is a non-profit community service, not a private company.
Verified by us 2026-08-07. Call 1-506-633-8781 or drop in at Brunswick Square, 3rd Level, 39 King Street, Saint John.
Seniors Education Property Tax Deferral Program
🏛 Public serviceProvincial
A Government of Saskatchewan program, run by Saskatchewan Housing Corporation, that lets senior homeowners put off paying the education portion of their property taxes through a repayable loan. It helps seniors on fixed incomes stay in their homes without falling behind on tax bills.
Verified by us 2026-08-06. Complete the application form and send it to Saskatchewan Housing Corporation in Regina by email or mail, or apply in person at 1920 Broad Street; call 1-800-667-7567 or 306-787-4177 with questions.
Seniors Income Plan (SIP)
🏛 Public serviceProvincial
A Government of Saskatchewan program that adds a monthly payment of up to $360 to the income of seniors who have little or no income besides Old Age Security and the Guaranteed Income Supplement. There is no application form. If you qualify, the benefit starts automatically once you file your income tax return and receive OAS and GIS, and clients also get extra provincial health benefits.
Verified by us 2026-08-06. No application needed; eligibility is set automatically from your income tax return and your OAS/GIS from Service Canada, and is reassessed each July. Call 306-787-2681 or 1-800-667-7161 with questions.
Allowance and Allowance for the Survivor (ages 60 to 64)
🏛 Public serviceNational
Tax-free monthly Government of Canada payments for people aged 60 to 64 with low income. The Allowance is for the spouse or common-law partner of a senior who gets the Guaranteed Income Supplement, and the Allowance for the Survivor is for someone whose spouse or partner has died. Apply 6 to 11 months before you turn 60, or right away if you are already in this age range.
Verified by us 2026-08-05. You must apply; call Service Canada or apply through My Service Canada Account.
Canada Pension Plan (CPP) retirement pension
🏛 Public serviceNational
A monthly taxable Government of Canada pension that replaces part of your income in retirement and is paid for life to people who contributed to the CPP while working. You can start it as early as 60 or wait until 70 for a larger amount. If you keep working while collecting before age 70, extra contributions earn a post-retirement benefit that raises your pension each year.
Verified by us 2026-08-05. You must apply; apply online through My Service Canada Account or call. If you worked in another country, international social security agreements may help you qualify.
CPP disability benefits
🏛 Public serviceNational
A monthly taxable Government of Canada benefit for people over 18 and under 65 who cannot work because of a severe and prolonged disability and who contributed to the CPP. People already collecting a CPP retirement pension who become disabled before 65 may qualify for the post-retirement disability benefit instead. At 65 it converts automatically to the regular CPP retirement pension.
Verified by us 2026-08-05. You must apply, and a health care professional completes the medical part of the application; apply through My Service Canada Account or by paper form.
CPP survivor's pension and death benefit
🏛 Public serviceNational
Government of Canada payments to the family of a CPP contributor who has died. The survivor's pension is a monthly payment to the legal spouse or common-law partner, and the death benefit is a one-time payment of up to $5,000 to the estate or the person who paid the funeral costs. Apply as soon as possible after the death, because the survivor's pension can only be back-paid for 12 months.
Verified by us 2026-08-05. Apply online through My Service Canada Account or by mail as soon as possible after the death.
EI caregiving benefits (family caregiver and compassionate care)
🏛 Public serviceNational
Employment Insurance benefits from the Government of Canada that replace part of your pay while you are away from work caring for someone. The family caregiver benefit covers up to 15 weeks for a critically ill or injured adult, and compassionate care benefits cover up to 26 weeks for a person who needs end-of-life care. You do not have to live with or be related to the person, and eligible caregivers can share the weeks.
Verified by us 2026-08-05. Apply online at canada.ca as soon as you stop work, with a medical certificate for the person you care for; call 1-800-206-7218 for help with a claim.
Guaranteed Income Supplement (GIS)
🏛 Public serviceNational
A tax-free monthly top-up from the Government of Canada for seniors 65 and older who receive the OAS pension and have low income. It is worth checking even if you are not sure you qualify, and you must file your income tax return every year to keep the payments coming.
Verified by us 2026-08-05. Many seniors are enrolled automatically and told by letter; if no letter has arrived a month after your 64th birthday, call Service Canada or apply through My Service Canada Account.
Old Age Security (OAS) pension
🏛 Public serviceNational
A monthly Government of Canada pension for people 65 and older, based on how long you have lived in Canada after age 18, whether or not you ever worked. Many seniors are enrolled automatically and get a letter from Service Canada; if no letter has arrived a month after your 64th birthday, you may need to apply. Years spent in countries that have a social security agreement with Canada can help you qualify.
Verified by us 2026-08-05. Call Service Canada or apply online through My Service Canada Account; many seniors are enrolled in OAS and GIS automatically and get a letter in the mail around their 64th birthday.
Ontario Photo Card
🏛 Public serviceProvincial
Government photo ID from the Ontario government for people who do not drive, handy when a senior gives up their licence but still needs official ID for banking, travel bookings and appointments. Apply in person at a ServiceOntario centre; the card is valid for 5 years.
Verified by us 2026-08-05. Apply in person at a ServiceOntario centre with identity documents; call 1-800-267-8097 with questions.
Soldiers' Aid Commission of Ontario
🏛 Public serviceProvincial
An Ontario government agency that gives veterans and their families up to $3,000 in a 12 month period for essentials such as home repairs, housing costs, health items, specialized equipment and personal needs. Many older veterans qualify; applications go through the Royal Canadian Legion or Veterans Affairs Canada.
Verified by us 2026-08-05. Apply through the Royal Canadian Legion at 1-888-207-0939 (sac@on.legion.ca) or Veterans Affairs Canada at 1-866-522-2122, with quotes for the expense and recent bank statements.
Oakville Senior's Property Tax Rebate
🏛 Public serviceLocal
A Town of Oakville rebate of $500 in 2026 for senior homeowners with low incomes. Seniors 65 and over who receive the monthly Guaranteed Income Supplement can apply each fall and the rebate is applied to their property taxes.
Verified by us 2026-08-05. Submit the Senior's Property Tax Rebate application or renewal with proof of GIS by the fall deadline printed on the form; questions to tax@oakville.ca or ServiceOakville at 905-845-6601.
Whitby Low Income Seniors Property Tax Rebate
🏛 Public serviceLocal
A Town of Whitby rebate that takes several hundred dollars off the yearly property tax bill for senior homeowners with low incomes. You qualify if you are 65 or older, receive the Guaranteed Income Supplement, and own and live in your Whitby home. A matching program exists for low-income homeowners with disabilities on ODSP.
Verified by us 2026-08-05. Send the application form with a copy of your current GIS letter to tax@whitby.ca or the Tax Department at 575 Rossland Rd E by December 31; apply again each year.
Whitby 55+ Free Income Tax Clinic
🏛 Public serviceLocal
Each spring the Town of Whitby's 55+ Services runs a free drop-off clinic where trained volunteers prepare basic income tax returns for older adults with modest incomes. Filing every year protects benefits like GIS, the Ontario Trillium Benefit and tax credits.
Verified by us 2026-08-05. Runs March 1 to April 30 each year as a drop-off clinic; call 905-668-1424 or email 55plus@whitby.ca to take part.
Laval Subsidy for People 65 and Over
🏛 Public serviceLocal
A yearly cash subsidy from the Ville de Laval for households with a resident aged 65 or over (Subvention pour favoriser le soutien des personnes agees de 65 ans et plus): $150 per dwelling, or $300 when the applicant receives the federal Guaranteed Income Supplement. Owners, tenants and occupants can all apply online through Mon dossier or by mail, and it is separate from Quebec's provincial municipal tax grant.
Verified by us 2026-08-06. Call 311 (450 978-8000 from outside Laval) or use the Mon dossier portal on laval.ca; the 65+ subsidy is applied for online or by mail, and the library home delivery is arranged through your neighbourhood library.
York Region property tax deferral for low-income seniors
🏛 Public serviceLocal
York Region lets low income senior homeowners defer property tax increases interest free, a program running since 1998. It is for homeowners 65 and older who receive the federal Guaranteed Income Supplement, and the deferred taxes are repaid only when the home is sold or transferred outside the family.
Verified by us 2026-08-05. Apply through your local tax office: Markham 905-477-7000, Vaughan 905-832-2281, Richmond Hill 905-771-8800, Newmarket 905-953-5300, Aurora 905-727-1375.
Pioneer Utility Grant
🏛 Public serviceProvincial
A Government of Yukon grant that helps seniors 65 and older with the cost of heating their home, whether they own or rent. The amount depends on income, marital status and address, up to $1,382.58 inside Whitehorse and $1,466.50 outside for 2026. Apply each year between July 1 and December 31.
Verified by us 2026-08-06. Apply online through the Pioneer Utility Grant portal, in person at the Income Support Unit in Whitehorse, or by mail; toll-free 1-800-661-0408 extension 4.
Seniors' Property Tax Deferment
🏛 Public serviceProvincial
A Government of Yukon program that lets homeowners 65 and older postpone paying property taxes on the home they live in. It applies outside municipalities, in areas where the Government of Yukon collects property tax. You can defer all or part of each year's taxes, up to 75 percent of the home's assessed value.
Verified by us 2026-08-06. Contact the Property Assessment and Taxation office or a Territorial Agent for an application; 867-667-5268 or toll-free in Yukon 1-800-661-0408 ext. 5268; apply any time after January 1, before July 2 to avoid penalties.
Yukon Seniors Income Supplement
🏛 Public serviceProvincial
A Government of Yukon top-up of up to $323.26 a month for low income seniors who receive Old Age Security and the Guaranteed Income Supplement. There is no application form; payments start automatically once the federal government shares your GIS information with Yukon. Filing your taxes every year keeps the supplement coming.
Verified by us 2026-08-06. Automatic for Yukon seniors receiving GIS; for questions call 867-667-5674 or toll-free 1-800-661-0408 extension 5674.