Ontario Government Programs — Plain Language

A monthly payment available to most Canadians 65 and older, regardless of work history. You do not need to have worked to receive OAS — residency in Canada is the key requirement.

A monthly retirement pension based on your contributions during your working years. You can start as early as age 60 (reduced) or delay to 70 (increased). CPP also covers disability and survivor benefits.

An additional monthly payment for low-income OAS recipients. Many seniors miss out on GIS because they don't know they qualify — it can add hundreds of dollars per month.

An Ontario top-up payment for low-income seniors who already receive OAS and GIS. Automatically assessed once you file your taxes — but many seniors don't know it exists.

Monthly income and health benefits for people with disabilities in Ontario who are in financial need. The application is complex and often denied on the first attempt — Lumio Solutions can help.

A non-refundable tax credit that reduces the amount of income tax you or a supporting family member pays. Being approved for DTC also opens access to the RDSP and other disability supports.

Ontario program that funds up to 75% of the cost of assistive devices — including wheelchairs, hearing aids, communication devices, and more — for people with long-term physical disabilities.

A long-term savings plan to help people with disabilities and their families save for the future. The federal government adds grants and bonds — you may receive money even if you can't contribute yourself.

A federal non-refundable tax credit for people who support a spouse, common-law partner, or dependent with a physical or mental impairment. Often missed by family caregivers who don't know it exists.

Employment Insurance benefits for people who must stop working to care for a critically ill or injured family member, or to provide end-of-life care. Includes Family Caregiver and Compassionate Care benefits.

Respite care gives family caregivers a temporary break by arranging professional support for the person they care for. Ontario also has Home and Community Care Support Services to help navigate long-term care placement.

An online account where you can view and manage your EI, CPP, and OAS benefits. Many seniors find the registration process confusing — Lumio Solutions can walk you through it step by step.

Canada Revenue Agency's online portal for managing your tax information, viewing benefit payments (GST/HST, CCB), checking your RRSP room, and filing returns. Essential for accessing many federal benefits.

Need help with your phone, tablet, email, or video calling a doctor or family member? Lumio Solutions offers one-on-one digital technology sessions — patient, plain-language, no judgment. We go at your pace.