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THE CARE COST GAP The median long-term care stay is 537 days. Plan for the tail, not the median. Long-term care in Canada: five provinces, two completely different systems. If your plan for long-term care was insurance, that plan needs changing. I rebuilt this one after finding out the length-of-stay numbers everyone quotes aren't measurements.
THE CARE COST GAP The median long-term care stay is 537 days. Plan for the tail, not the median. Long-term care in Canada: five provinces, two completely different systems. If your plan for long-term care was insurance, that plan needs changing. I rebuilt this one after finding out the length-of-stay numbers everyone quotes aren't measurements. "About two years in Ontario" comes from the Ontario Long-Term Care COVID-19 Commission's final report, page 260, which says "the Commission heard that" and gives no data table. "20 months, CIHI" comes from Seniors in Transition, 2017, page 11, inside a box headed "Example." That's illustrative arithmetic. CIHI publishes no national median or mean length of stay. Ontario publishes none either. The one clean government source in the country is British Columbia. In 2024-25 the median stay in publicly subsidised long-term care was 537 days, about a year and a half. The mean was 855. Their own report says the median is the better measure because it's less prone to skewing. That gap between median and mean is the entire planning problem: a minority stay many years and drag the average. Which means four years of reserve covers the median comfortably, and the tail is what you're actually planning for. That's a plan, not a panic. On cost, the systems differ more than the prices. Ontario and Alberta charge everyone the same flat rate. Ontario basic went to $70.00 a day, $2,129.17 a month, effective the first of this month. Alberta shared rooms rise to $71.85 a day on 1 August. But British Columbia, Quebec and Nova Scotia are income tested. BC charges 80 percent of after-tax income with a floor around $1,508 and a ceiling around $4,143, and BC rates don't vary by room type at all. Nova Scotia caps at $114 a day, and here's the useful part: that assessment looks at your income, not your assets. Quebec is cheapest in the country if you'll share, around $1,395 a month for a ward bed. Ontario has no private-pay licensed long-term care beds. Under the Fixing Long-Term Care Act sections 49, 55 and 94, admission runs only through a placement coordinator, a home may refuse only on clinical grounds, and there's a closed list of what may be charged. You can pay for a private room, but the price is government set and preferred accommodation is its own queue, capped at 60 percent of a home's beds. The insurance market has effectively closed. RBC suspended sales in 2012, Manulife stopped writing new individual policies on 30 November 2017, Desjardins in June 2018. There's effectively one insurer still writing individual coverage, with a waiting period that can run 730 consecutive days and premiums that aren't guaranteed for life. If a parent is in a nursing home you can claim the full cost including room and board as a medical expense. But under 118.3(1)(c) that blocks the disability tax credit for that year, and the wording is "by the individual or by any other person," so one sibling's claim kills it for everyone. Run it both ways. One route people miss: 118.2(2)(d) allows the full amount on certification of a lack of normal mental capacity and does not require DTC eligibility at all. A doctor's letter, no T2201. Educational only, not advice. Provincial rates change annually. Verify before you plan around one.

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