Long-term care insurance and workplace benefits
Before paying out of pocket, check the insurance and benefits you or your parent already have. Many pay for equipment and care that government programs don't.
By ParentCare Ontario Editorial, published by Otonabee Marketing. Facts checked October 28, 2026. General information, not tax, legal or medical advice.
What to check
| Coverage | What it may pay for | Ask about |
|---|---|---|
| Extended health plans (workplace or retiree) | Occupational therapy and physiotherapy visits, bath aids, equipment the Assistive Devices Program doesn't cover, the family's share of ADP costs | Yearly limits, whether a doctor's prescription is needed |
| Long-term care insurance | A set daily or monthly amount for care, sometimes including care at home | The waiting period, and what counts as needing care (often help with two or more daily activities) |
| Critical illness insurance | A lump sum after a covered diagnosis, usable for any cost | Which conditions are covered |
| Disability insurance | Income replacement if the policy holder can't work | Whether caregiving time is covered (usually not) |
| Home insurance | Rarely covers accessibility work | Whether major renovations change the policy |
Tips
- Find the policy booklet or call the insurer's member line before buying equipment.
- Get pre-approval in writing where the plan offers it.
- Keep receipts: what insurance doesn't pay may count as a medical expense on the tax return.
Buying a new long-term care policy is a financial decision; speak with a licensed insurance advisor.
Facts checked October 28, 2026. We take every amount from the official source and recheck each January and July. Always confirm with the program before you apply.