Insurance for Retirement
Four years to go. Perhaps five. Or three, if the budget is strictly adhered to and the market performs well. Ah, the heady dreams of retirement. Most of us look forward to our retirement years most of our working lives. And a lot of us will spend as many years in ‘retirement’ as we did working. The challenge, of course, is to ensure that we have properly prepared for our leisure years.
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Why are Canadians avoiding their long-term care planning?
A survey for Manulife Financial reveals that seven out of 10 Canadians said they would prefer to have an annual physical exam than spend an hour discussing their long-term care needs. This reluctance in discussing their future long-term care needs helps explain why only 21 per cent of Canadians have factored long-term care costs into their retirement planning.
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Assisted Living in Ontario
Assisted Living refers to providers that cater to persons who require supervision, hands-on personal nursing care services and frequent assistance with the activities of daily living such as bathing and dressing. Care is often provided in a designated section of a Retirement Residence.
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Tips on How to Apply for Placement in a Long-Term Care in Ontario
Long-term care facilities can only be accessed through a Community Care Access Centre (CCAC). The CCAC determines eligibility for placement, however each facility retains the right to approve applications based on their ability to meet the care needs of the individual. Generally, eligibility for placement is approved when community based services such as In-Home Health / Community Support Services or retirement residences are no longer able to meet your needs. You will be notified in writing by the facility if your application for admission is accepted or not.
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