Helpful FAQs On Paying For Elderly Home Care Services 

When it comes to paying for home care, the Home Instead network has decades of experience. Your local Home Instead® office will be happy to help you explore your options available to pay for the care you or your elderly loved one deserves.
Elderly woman kissing her dog while sitting at home.

A: You have a number of options when it comes to paying for senior care. Some options to cover this cost might include:

  • Private pay
  • Long-term care insurance
  • Income-based subsidies and tax credits
  • Veterans Affairs of Canada assistance
  • HFC Dementia Home Care Grant

A: Publicly funded healthcare insured by the Canada Health Act generally will not typically pay for senior home care. However, you may be eligible for a variety of subsidized senior support services or tax relief credits. We suggest working with your insurance company and provincial agency to determine what care could be covered for you or your loved one.

A: The answer depends on the individual policy. Talk to the insurance company or agent to find out if the LTC policy covers home care – and, if so, what types of services will be reimbursed.

A: The Veterans Independence Program provides annual funding for home care to qualifying military service veterans. Speak with your local VAC or Service Canada office to find out what financial support programs you or your loved one may qualify for. Your local Home Instead office may also be able to help answer your assistance questions.

A: Absolutely not. While Home Instead is a private home care provider, you can still use your government-funded services in conjunction with ours.

A: Many families want to see their loved ones age with independence and dignity in the family home – or whatever setting the senior prefers. Adult children and grandchildren can contribute funds in equal shares or proportionally to support their family member’s needs. Before initiating this type of plan, you might consider seeking the counsel of an attorney for certain things to consider such as cash gifting regulations.

A: Yes! Home Instead partners with HFC® to administer grants for deserving families providing care to a loved one with Alzheimer’s or another form of dementia. These grants cover the full cost of Home Instead services for a period of time. Learn more and apply for a Dementia Home Care Grant.