Seminars, paperwork support, and plain-language guides to government programs and community resources — for seniors, caregivers, and individuals with disabilities across Ontario.
We break down complicated systems into steps you can actually follow — whether you come to us, or we come to your community.
Free and low-cost group sessions held in community centres, libraries, and care facilities across Ontario. Plain language. Real questions welcome.
Help completing government applications, benefit forms, appeals, and renewals. We sit with you, step by step, until it's done and submitted.
Not sure what help is available to you? We map out the programs, services, and supports in your community and connect you to the right ones.
Plain-language written guides explaining your rights, benefits, and options. Printed copies available. Translated on request.
Dedicated sessions for family members and professional caregivers to understand the systems they're navigating on behalf of a loved one.
Guidance through ODSP applications, disability tax credits, accessible housing, and adaptive supports available through Ontario and federal programs.
We designed every part of Lumio Solutions with three communities in mind — and the people who show up for them.
Navigating retirement income, healthcare benefits, housing support, and long-term care decisions — often for the first time, without a clear roadmap.
→ OAS, CPP, GIS, LTC, GAINS
Family members and care workers who are managing someone else's needs on top of their own — and deserve support, not more paperwork confusion.
→ Caregiver benefits, respite care, OHIP navigation
Whether newly diagnosed or long-navigating complex systems, we help access income support, adaptive equipment, and provincial programs you're entitled to.
→ ODSP, DTC, ADP, housing supports
We keep the process simple so your energy goes toward living — not forms.
Call, email, or find us at a community event. No referral needed. We speak plainly and listen fully.
A short conversation helps us understand what you need — whether it's a seminar, paperwork help, or resource mapping.
We guide you through forms, connect you with programs, and explain every step in plain language — together.
With paperwork submitted, resources in hand, and a clear picture of what's next — you're supported, not stuck.
I had been missing out on GAINS for three years because I didn't know I qualified. Lumio walked me through everything and helped me apply. I wish I'd found them sooner.
My mother has dementia and I was drowning in forms. Lumio sat with me for two hours and we got through everything — her benefits, her housing application, all of it. I cried with relief.
I kept getting rejected on my ODSP appeal and didn't know why. Lumio explained exactly what the form needed and helped me resubmit. I was approved within six weeks.
Reach out today — there's no wrong place to start, and no question too small.
All sessions and venues are fully accessible. Large print and translated materials available on request.