About one out of four Canadians has provided care to a loved one with a long-term health condition, a mental or physical disability, or problems related to aging. Due to an aging and growing population, this number is trending upwards significantly. Here’s some advice and tax measures to help you support your loved ones.
Many illnesses or physical or mental disabilities can occur suddenly or develop over time. Those affected are often surrounded by their children, friends, parents and partners, who provide care to them and help them. These people are called caregivers. They provide physical, social and psychological support and fulfill specific needs on a voluntary basis, with no pay.
The benefits and administrative requirements vary depending on the province or territory. In Quebec, you can get a certificate (French only) from a professional who works in the healthcare and social services sector, like a nurse, doctor, or physical rehabilitation therapist. If you meet certain criteria, you may be eligible for tax credits from the federal government without needing any particular certification indicating that you’re providing care.
“Many caregivers feel like they can’t catch their breath,” explains Lina Ali, housing and homecare advisor for seniors at Visavie. “I often see people who are 40 to 65 years old taking care of their parents, but they also have to juggle between their career and raising their children. When a loved one gets sick, suffers from incontinence or starts experiencing memory loss, for example, this causes anxiety. It’s very stressful and sometimes it can be very sad. You have to be aware of your own limits,” she adds.
If you’re providing care to a loved one, make sure to get help as soon as possible. Open a file with the relevant authorities so they can give you a break by sending help, for example. According to the General Social Survey conducted by Statistics Canada in 2018, caregivers who didn’t get any support were much more likely to experience stress, dissatisfaction with life, and mental health issues.
Generally, certain services can be provided at home via nearby service centres. You can get help for things like personal hygiene, errands, cleaning, medical or healthcare services. Of course, the specifics vary depending on the province or territory in which you live.
Some community organizations can also provide support, like home visits to curb loneliness, for example. “I had a client who suffered from macular degeneration,” Ali shared. “He was a very knowledgeable man who loved to read. Because he couldn’t read on his own anymore, someone came over to read to him. It was extremely gratifying.”
There’s also a multitude of services available in the private sector, like nurses, medication delivery services, and pre-made meal delivery services. This could cost you, but government measures and tax credits can help cut down the bill.
In addition to the provincial and territorial governments, the federal government also provides certain measures to directly or indirectly support caregivers.
Regardless of your situation, feel free to ask questions to your financial advisor to get a better idea of things. Most of all, don’t wait until you’re overwhelmed to ask for help.
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