Financial Benefits & Support for Ontario Seniors

Finances are a top concern for seniors across Ontario. Thankfully, there are multiple programs, credits, and subsidies to help stretch your income. Here’s a clear guide to what’s available in 2025. Check out our list of support for Ontario seniors

1. Federal Income Support for Ontario Seniors

• Old Age Security (OAS): Monthly payment for those 65+. Automatic if you’ve lived in Canada 20+ years.

• Guaranteed Income Supplement (GIS): Extra support for low-income seniors. Apply through Service Canada.

• CPP (Canada Pension Plan): Based on your contributions during your working years.

2. Ontario-Specific Credits & Benefits

• Ontario Guaranteed Annual Income System (GAINS): Adds to OAS/GIS for very low-income seniors.

• Ontario Energy & Property Tax Credit: Helps with home energy and property taxes.

• Ontario Trillium Benefit: Monthly payment combining multiple credits.

3. Prescription & Health Coverage

• Ontario Drug Benefit (ODB): If you’re 65+, most prescriptions are covered. ODB info.

• Assistive Devices Program (ADP): 75% coverage for mobility and hearing devices.

4. Housing & Daily Living Support

• Subsidized Housing Programs: Apply through local housing authorities.

• Property Tax Deferral for Seniors (some municipalities).

• Utility Support: Programs like LEAP (Low-Income Energy Assistance Program).

5. Where to Apply & Get Help

• Service Canada (federal): servicecanada.gc.ca

• Ontario Benefits Finder: ontario.ca/benefitsfinder

• 211 Ontario: Local financial help & subsidies.

Conclusion

You’ve worked hard — now it’s time to ensure you’re receiving all the financial supports you qualify for. Even small credits and benefits add up to big relief over a year.

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