Stage 4: Care costs, benefits, and the family home

Pay for care

You might be here if: You're comparing home care, retirement homes, or long-term care, and trying to work out how to pay for it.

Care is often the biggest cost of this whole journey, and the options are confusing. Home care, retirement homes, and long-term care homes are paid for in different ways, and what the government covers depends on your province.

The guides here explain how each option is paid for, which benefits and tax credits a parent or caregiver may be able to claim, and what happens with the family home when a parent moves.

They also cover the money questions families rarely talk about out loud: who pays for what, how siblings can share costs fairly, and how to protect your own finances while you help.

Guides for this stage

We're writing the guides for this stage now. In the meantime, see the whole journey or go back to Take over finances.