Living with a chronic condition like arthritis can have an impact on your finances. Some treatment costs or assistive devices may not be included in your health coverage, or arthritis might make it difficult to work full-time. The resources in this guide will help you learn about different benefits, programs, and sources of funding that could help you save money.

Buying benefits for arthritis

Two peopleAlthough there are many options to buying benefits, not all of these options will work or make sense for people living with pre-existing conditions, like arthritis.

For people who are self-employed or work on contract, health benefits and insurance are often not covered. This can be a big concern, particularly for people with arthritis or other chronic health conditions. Some treatments can be expensive and might not be covered by a federal, provincial or territorial public health plan.

Because many private health insurance companies require you to pass a medical questionnaire to be approved for coverage or to receive a more comprehensive plan, finding a solution can be challenging.

If you are considering buying your own benefits through a private health insurance provider, this resource explains some of the factors to take into consideration so that you can make an informed choice based on your needs.

Even if you do have prescription drug coverage, an extended health benefits plan that covers dental care, vision care, and complementary therapy may be more economical than paying for each of these services out of pocket each year. It will depend on your personal circumstances.

Private health plans are frequently changed and updated by insurance companies, so it is always best to call insurance companies for more information about how to meet your specific needs. You can also speak to your local pharmacy about drug coverage options under public health plans or pharmaceutical company programs.

Buying your own extended health benefits may be helpful for some people with arthritis who are self-employed or working in the gig economy, it will depend on your needs and the plans available. There may be some hurdles to finding a benefits package that covers all the medications or treatments you may need.

Medical questionnaires

Most companies selling private health insurance in Canada require applicants to pass a health questionnaire to assess the financial risk of accepting you as a client. Often medications that you are already taking will be excluded from coverage and considered to be pre-existing unless you apply for a continuation of an existing plan or for a guaranteed acceptance plan.

Guaranteed acceptance plans

Guaranteed acceptance plans are a good way to still buy extended health benefits without having to pass a medical questionnaire.

A guaranteed acceptance plan may be one of the only options available to you if you are not leaving a group benefits plan or have had difficulty passing medical questionnaires for insurance purposes in the past.

This type of plan does not require a medical questionnaire; however, it may not provide as much coverage for medications and is usually more expensive compared to other extended health plans that require a medical questionnaire.

Continuation plans

Another way to buy benefits without having to pass a medical questionnaire is to apply for a continuation plan.

Filling out a paper formContinuation benefit plans, sometimes also known as roll over benefits, are designed for people who are leaving coverage from attending post-secondary school, a job with group benefits, or the coverage of a family member. They provide a short window of time – often 30-60 days – to apply after leaving your previous coverage.

This can be a great option to receive more complete coverage without having to pass a medical questionnaire. If you know you will be leaving a group benefits plan, it is best to speak with an insurance company about what options offer you the best coverage for your needs before you leave your current coverage.

Many health insurance companies offer comparison tools on their websites to help you understand what each plan covers and provide a cost estimate for the monthly premium. This is a good way to get an initial understanding of what type of plan might be best for your needs.

If you are not sure about any of the details or fine print, call to speak with a representative who can answer any questions you may have.

Keep in mind that different companies offer different types of coverage, and some offer more than others for the same or less cost. Consider getting more than one quote for coverage to ensure you know what options best fit your price range.

What to look for

Not everyone will need the same things in a prescription drug plan or extended health benefits plan. Depending on the type of arthritis you have and your symptoms, more than a basic plan may be needed. Below are some things to consider when choosing a plan for arthritis care:

  • Is there a dollar limit (price cap) to the cost of prescriptions covered each calendar year?
  • If you take biologics or biosimilars, are these included under prescription coverage?
  • Is vision care coverage included?
  • If you use orthotics, are these covered by the plan?
  • How frequently are dental check-ups included?
  • How much coverage is there for dental work, such as fillings or other dental procedures?
  • How much coverage is there for complementary therapy treatments such as acupuncture, physiotherapy, massage? Are they separate yearly amounts, or combined totals?
  • Does the plan offer disability or critical illness coverage?
  • If needed, what is the cost to also cover children or a spouse under your plan?

Prescription drug coverage with a provincial or territorial plan

A womanWhile drug coverage is also available through provincial and territorial plans, coverage with these plans vary depending on where you live. In Quebec for example, everyone must have prescription drug coverage, either through the provincial system, or a private insurance plan.

Provincial and territorial plans are often geared to income, meaning that each individual or family has a fixed payment, or deductible, based on their household income that you would need to pay to use this type of benefits plan. Sometimes this cost is distributed through smaller payments made as a percentage of the total cost of your prescriptions, known as a co-pay.

For example, if you must pay $200 a year, you will pay a small fee each time you fill a prescription until you have paid $200. Other plans may have you pay the first $200 of your prescriptions, and then cover remaining prescriptions costs for the year. Each plan is different, and the amounts used here are as an example only.

Although meant to fill a gap in prescription drug costs, these plans do not cover extended health benefits such as dental care, physiotherapy, or vision care. However, in some regions, the government may cover some or all of these services for particular groups, such as seniors, children, low-income individuals, or Indigenous individuals. Check with your provincial/territorial ministry or department of health for more information.

For those receiving unemployment or disability benefits or select federal health plans, prescription medication, vision and dental coverage are available, though it may require additional advocacy to receive coverage for some arthritis treatments.

Vision care is covered by most provincial or territorial health insurance for regular checkups if you have an eye condition, such as uveitis, regardless of age. Often working age adults are not covered for regular vision check-ups unless outlined in their coverage, either public, or private.

Cost considerations

Buying personal extended health benefits can be costly. However, they might be worth considering if your personal out-of-pocket health expenses each year will exceed the cost of paying premiums for the extended health coverage.

Consider how much you spend on prescription medication each year in addition to all other costs from eye exams, dental care, orthotics, mobility aids and complementary therapies.

Don’t forget

  • to include the additional co-pay fee you would need to pay as part of your plan when comparing your current costs to potential costs with an extended health plan. Ex. If your drug plan pays 80% of the medication cost, and the total medication is $100, you would pay $20 to fill this prescription. If you need to refill this 4 times a year, be sure to add the additional $80 when making your cost comparisons for different benefit packages.
  • to claim the cost of the health care plan premiums on your income taxes

Mix and Match

Many companies offer mix-and-match plans. If you do not need prescription drug coverage for instance but would like to explore coverage for complementary therapies or dental care, many insurance companies offer these separately.

Combining plans

Two peopleIf you are covered by a family member’s plan but routinely go over your limit for the year, or if you have high out of pocket expenses for medications or other therapies, consider combining an additional benefits plan with your existing coverage. Circumstances will vary, so it is best to check with your health insurance provider about how this might work for you.

If you are self-employed, working freelance, contract, or gig economy jobs, it can be difficult to get the financial support you need to maintain your health and wellbeing. Considering all your options to reduce your overall health costs, which might include buying your own benefits, may help to reduce the stress of not having coverage through work.

For some people, it might not make financial sense to invest in a private benefits plan if the premiums are too high or the coverage too minimal. For other people, buying benefits may help offset the costs of their medical expenses. Whether buying a benefits plan is the right decision for you will depend on your circumstances and the plans available.

Finding Low- or No-Cost Treatment Options

Living with arthritis can pose a number of challenges, including finding affordable treatment options. While visits to a medical doctor are generally covered by government healthcare plans, other treatment options often have a cost associated with them. Extended health benefits may offer some cost coverage, but if you do not have extended health benefits, some treatment options may be more difficult or too expensive to access.

Always check with your healthcare team before trying any treatment options you have not already discussed. Not everyone with arthritis will have the same experience, and not every treatment option will be appropriate for you and your needs.

Important Information

Many programs have eligibility criteria such as age, income, or type of arthritis, or require a referral from a member of your healthcare team. It’s important to know which options might be best for you, if you qualify, and how to access programs and services that are available to you.

Some practitioners may offer treatment on a sliding fee scale to make their services more affordable to people and based on income rather than a set rate. Others may offer ‘pay-what-you-can’ or ‘community hours’, when services are provided at a reduced rate. If cost is a concern for you, consider reaching out to practitioners in your area to learn if any reduced rate programs are available.

If you have benefits through your employer or other group or private insurance provider, your plan may cover some or all of the costs of extended healthcare or complementary therapy. Check with your benefits provider to see if the services you wish to use are eligible for cost coverage.

Many of these services can also be claimed as a medical expense on your income tax return.

Canada-wide Options

GLA:D™ Program

The GLA:D™ Program is an evidence-based exercise program originally developed in Denmark that places an emphasis on education and exercise to help manage pain and symptoms of hip or knee osteoarthritis.

The program is available in various locations across Canada; however, the cost may vary depending on your location, as each clinic sets their own price.

To learn more about this program in Canada, and to find a clinic location near you that offers GLA:D™, visit www.gladcanada.ca.

If the cost to participate is too high in your area, consider asking the clinic if they offer a sliding scale or fee adjustments. You may also still find benefit from the resources available on the GLA:D™ website, including occasional free interactive web-based sessions featuring different topics.

Canadian Mental Health Association

The Canadian Mental Health Association offers free online courses on a variety of topics related to mental health.

BounceBack® – Canadian Mental Health Association

BounceBack® is a free skill-building program from the Canadian Mental Health Association designed to help adults and youth 15+ manage low mood, mild to moderate depression, anxiety, stress or worry. Working with workbooks and a trained coach to guide you and encourage you to reflect, BounceBack® can help you build skills to improve your mental health.

Bridge the gapp

Bridge the gapp is an online portal designed to connect youth and adults with guidance and supports for mental health and addictions. This portal offers self-help resources, links to local services, and allows the user to share their own personal stories.

Yoga

Yoga is often recommended for people living with arthritis as a low-impact activity. Check with your healthcare provider first to ensure it is a safe activity for you. Some yoga studios offer ‘karma classes’ at a pay-what-you-can or reduced rate during specific times each week. Contact your local yoga studio to find out if they offer reduced-rate classes. You can also find many free yoga videos online.

ABC Health Matters

ABC Health Matters empowers Canadians to manage their health more effectively by increasing their confidence when talking about and making decisions regarding health issues with family, friends and health professionals. Through the program, adults develop a deeper understanding of how to advocate for their health and the health of loved ones and better understand how to access healthcare.

Home and Community Healthcare Programs

Some individuals may be eligible for in-home or community services.

Services delivered in the home can help people with minor health problems and disabilities as well as those who need intensive and sophisticated services and equipment. Home care services may include: nursing; personal care such as help with bathing, dressing, and feeding; physiotherapy; occupational therapy; speech therapy; social work; dietitian services; homemaking; and respite services.

Other services may be available in your community, such as meal services, or friendly visitor programs.

Options by Province

ON

Ontario Health Insurance Plan (OHIP)

Through OHIP, the province pays for many health services, including visits to doctors and hospitals. You must be registered with OHIP, using your personal Healthcare card, to receive insured services. Visit the OHIP website to see a list of covered services. Additionally, OHIP+ provides more than 5,000 drug products at no cost for anyone age 24 years or younger who is not covered by a private plan.

Arthritis Rehabilitation and Education Program (AREP)

Arthritis Society Canada offers free physiotherapy, occupational therapy and social work services to people living with arthritis in Ontario, as well as online educational workshops, through the Arthritis Rehabilitation and Education Program (AREP). To access these services, fill out the self-referral form.

Nutrition

Residents of Ontario can connect with a Registered Dietitian to access free nutrition information and advice by calling 811 or starting an online chat on the Health811 website.

OHIP-Covered Psychiatry

Government-funded psychiatry is available through the Ontario Health Insurance Plan (OHIP). To access these services, you will need a referral from your family doctor.

OHIP-Covered Physiotherapy

Government-funded physiotherapy is available through the Ontario Health Insurance Plan (OHIP) for eligible individuals. To access these services, you will need a referral from your family doctor, Nurse practitioner, or a Home and Community Care Support Services organization.

Primary care

Residents of Ontario can connect with a registered nurse to access free, high-quality care and advice by calling 811 or starting an online chat on the Health811 website.

Ontario Association of Social Workers

While not typically a covered service under OHIP, many healthcare centres and agencies have social workers on staff who are able to provide services on a sliding scale or at no cost to clients.

To learn more about no cost social work services in your area, speak to your doctor or dial 211 on your phone, or visit the 211 Ontario website.

CANES Community Care – Ride Connect

CANES Community Care is a non-profit organization that provides a variety of services for seniors living in their own homes, providing emotional and social support, and helping them participate in their local community. The Ride Connect program provides transportation to and from Etobicoke, Brampton, Malton, Mississauga-Halton, Oakville, and Woodbridge areas. Fees are based on the client’s annual income.

QC

Quebec Health Insurance Plan

The Quebec Health Insurance Plan provides coverage for physician and hospital services that are medically necessary. Some professionals are not covered or are only covered when received in a RAMQ covered facility such as hospitals, local community service centres, residential and long-term care centres or rehabilitation centres. These professionals include: chiropractors, dietitians, nutritionists, occupational therapists, physiotherapists, and psychologists.

You must be registered with the Quebec Health Insurance Plan using your personal healthcare card to receive insured services. Visit the Government of Quebec website to see a list of covered services.

Food Aid

211 Quebec maintains a list of community organizations that offer food assistance, including food banks, low-price food stores, food vouchers, and other programs. Some programs may require proof of income and residence.

NS

Nova Scotia Medical Services Insurance

The Nova Scotia Medical Services Insurance (MSI) provides coverage for physician and hospital services that are medically necessary, and some dental and optometry services. You must be registered with the Nova Scotia MSI plan, using your personal healthcare card to receive insured services.

Visit the MSI website to see a list of covered services.

Hip and Knee Arthritis Conservative Management

This multi-week program is for people living with arthritis who don’t need joint replacement surgery. It involves exercise and education with a multidisciplinary team (which may include registered nurse, physiotherapist, dietitian, social worker, occupational therapist and rehabilitation assistant). The goal of the program is to help you manage your own health and become more physically active. To access this program, a referral from the Orthopedic Assessment Clinic is required.

Visit the Nova Scotia Health website for more information.

Heart Smart Cooking

The Heart Smart Cooking program, provided by Cape Breton Family Place Resource Centre, offers free cooking programs for families and caregivers to help you make healthy choices on a limited budget.

Virtual Wellness Program: Healthy Eating

Nova Scotia Health offers free virtual wellness programs on a variety of topics related to healthy eating, for people who live in Nova Scotia. The classes are taught by healthcare providers from Nova Scotia Health or IWK Health.

Virtual Wellness Program: Mental Wellness

Nova Scotia Health offers free virtual wellness programs on a variety of topics related to mental wellness, for people who live in Nova Scotia. The classes are taught by healthcare providers from Nova Scotia Health or IWK Health.

Nova Scotia Health Occupational Therapy

Patients can access occupational therapy services at various health centres across the province. There are no fees, and a valid Nova Scotia health card is required. Patients can self-refer by completing the referral form on the Nova Scotia Health website.

Virtual Wellness Program: Physical Activity

Nova Scotia Health offers free virtual wellness programs on a variety of topics related to physical activity, for people who live in Nova Scotia. The classes are taught by healthcare providers from Nova Scotia Health or IWK Health.

Nova Scotia Health

Referrals to a Nova Scotia Health social worker can be made by patients, family members, friends, community agencies, and/or any member of the inter-disciplinary healthcare team. For more information, visit the Nova Scotia Health website.

Nova Scotia 211

Nova Scotia 211 provides information about community and social services in local communities or throughout the province. The service is free and confidential, and is available via phone call, text, email, or their online search tool.

Assistive Devices – Easter Seals Nova Scotia

Easter Seals Nova Scotia’s Assistive Devices program helps Nova Scotians with physical disabilities in financial need to acquire medical devices. To submit a request for this program, you must have an application form filled out by a Physiotherapist or Occupational Therapist.

VON

VON offers a variety of community support services that focus on improving and maintaining independence among Nova Scotia’s aging population. Depending on individual needs, their services provide low cost support to clients who have difficulty with cooking, limited ability to drive, or are socially isolated from family and friends.

Nova Scotia Health Chronic Pain Services

Nova Scotia Health’s Chronic Pain Services help individuals manage pain and improve their health, function and well-being. The Chronic Pain teams provide assessments, treatments and education for people living with chronic pain. A referral from a primary care provider (physician or nurse practitioner) is required to be seen in one of the pain clinics.

Seniors Care Grant

Provided by Government of Nova Scotia, the Seniors Care Grant helps low-income seniors with the cost of household services (Ex., lawn care, snow removal, grocery delivery, transportation, small home repairs and phone service) and healthcare services (Ex., physiotherapy and mental health support). Grants are up to $500 for each household. One-time $250 Home Heating Grants are also available.

NB

New Brunswick Medicare

New Brunswick Medicare pays for most medically required services provided by a physician in either a physician’s office or in an approved hospital. Occupational therapy and physiotherapy provided through hospitals are also covered by the plan. You must be registered with the Medicare plan using your personal healthcare card to receive insured services. Visit the New Brunswick Medicare website to see a list of covered services.

Arthritis Clinic – Horizon Health Network

Horizon Health Network offers an Arthritis Clinic in Moncton and Saint John. Your healthcare team will decide which treatment option is best for you. They can provide diagnosis, treatment, and follow-up care to patients.

Meal Delivery Services

There are various organizations that offer meal delivery services and social support for seniors, individuals living with disabilities, and those recovering from illness, surgery or injury. Visit the 211 New Brunswick website to find a service in your community.

New Brunswick Friendly Calls

Managing chronic conditions can sometimes feel isolating or lonely. If you are interested in speaking with someone for a friendly call, the Red Cross offers a friendly call service, supported by volunteers.

Red Cross volunteers will call you at a pre-arranged time. Volunteers can also provide contacts for other support services in your community. Call 1-833-729-0144 or visit the Canadian Red Cross website to schedule your call.

Bridge the gapp

Bridge the gapp is an online access point for mental health resources in New Brunswick. Youth and adults can connect to self-help information, register for online programming, and learn about local services through a searchable service directory.

Extra-Mural Program

If you require at-home assistance, you may be eligible for the New Brunswick Extra-Mural Program, which can provide physiotherapy, occupational therapy, social work, registered nurse or registered dietitian services.

The Live Well | Bien Vivre Project

The Live Well | Bien Vivre project is an evidence-based program that uses best practices to support client-led health behaviour change. Their professional health coaching is offered in English and French, at no charge to residents of New Brunswick, age 19 and older. They will talk with you about health and wellness goals, connect you with various tools and resources, and support you along the way to reach your goals.

MB

Manitoba Health Services Insurance Plan

The Manitoba Health Services Insurance Plan (MHSIP) provides coverage for physician and hospital services that are medically required, and some other services, including chiropractors. Occupational therapy and physiotherapy provided through hospitals are also covered by the plan. You must be registered with the Manitoba Health plan using your personal healthcare card to receive insured services. Visit the MHSIP website to see a list of covered services.

Joint Replacement Resources

The Winnipeg Regional Health Authority offers free web-based classes through the Joint Replacement Resource Centre to help people better manage the symptoms of arthritis while waiting for joint replacement surgery. Classes are also offered in preparation for having surgery to aid in the recovery process.

Dial-A-Dietitian

People living in Manitoba can access free dietitian services through the Dial-A-Dietitian service for answers to questions about healthy eating and nutrition. Call 1-877-830-2892 (toll-free) or 204-788-8248 (for people living in Winnipeg).

Psychiatry

Free psychiatry services are available in Manitoba through a referral from your family doctor or an Employee Assistance Program (EAP). For more information, visit the Manitoba Government’s web page about mental health services.

Mental Health Education Resource Centre

The Mental Health Education Resource Centre (MHERC) is a province-wide resource centre that provides information, education, and mental health resources for all Manitobans. MHERC offers free access to mental health fact sheets, wellness tips, podcasts, presentations, video series, workshops and courses.

Winnipeg Regional Health Authority

Within the Winnipeg Regional Health Authority, publicly funded adult outpatient physiotherapy is available at the Health Sciences Center. A referral from a primary care provider is required.

Home Healthcare Services

Some people who require at-home assistance may be eligible for the Manitoba home care services program, which can include physiotherapy, occupational therapy, home nutrition and nursing care services. To learn more about the program and eligibility requirements, visit the Manitoba Government’s web page about home care services.

BC

Medical Services Plan and Supplementary Benefits

The Medical Services Plan (MSP) pays for medically required services of physicians and surgeons, and dental or oral surgery performed in a hospital. You must be registered with the Medical Services plan using your personal healthcare card to receive insured services. Visit the British Columbia government’s web page about MSP to see a list of covered services.

MSP supplementary benefits provide partial payment for certain medical services obtained in British Columbia (for example, massage therapy and chiropractic services) and may provide access to other income-based programs. Visit the British Columbia government’s web page about supplementary benefits to learn more.

Mary Pack Arthritis Program

The Mary Pack Arthritis Program offers physiotherapy, occupational therapy, social work, and nursing services for people living with arthritis. Clients require a referral from their doctor and visits are covered by the British Columbia Medical Services Plan.

OASIS – Osteoarthritis Service Integration System Classes

OASIS offers free educational workshops taught by a physiotherapist, occupational therapist, dietitian or registered nurse, depending on the topic, for people living with osteoarthritis.

Visit their website to view their calendar of upcoming online and in-person classes: http://oasis.vch.ca/our-classes/

Inflammatory Arthritis Rehab Clinic – Surrey Memorial Hospital

The Inflammatory Arthritis Rehab Clinic at Surrey Memorial Hospital provides free occupational therapy and physiotherapy services for adults newly diagnosed with rheumatoid arthritis. A referral from a rheumatologist is required to access their services.

Providence Healthcare Multidisciplinary Rehabilitation and Education Program

Older adults with arthritis can access services from the Providence Healthcare Multidisciplinary Rehabilitation and Education Program. Available services include physiotherapy, occupational therapy, nursing, social work, and other care. A referral from a doctor is required.

Vancouver Coastal Health Vocational Rehabilitation Services

The Vocational Rehabilitation program serves individuals with arthritis whose condition has impacted their ability to work. Vocational counselling and assessment are provided to help clients explore career options and address employment concerns. Requires a referral from a doctor or nurse practitioner.

ArthritisBC+Me

ArthritisBC+Me is an online portal designed to help patients learn about arthritis and the currently available arthritis programs and resources in the province.

HealthLink BC

HealthLink BC provides access to a registered dietitian through telephone, email, and web-based services. By calling 811, or visiting the HealthLink BC website, you can ask questions and learn more about available services related to food and nutrition.

FoodFit – Grandview Woodland Food Connection

FoodFit is a free 6-week program that combines cooking, nutrition information, and fun. Participants will improve their basic cooking skills, learn new recipes, and get moving with body-positive physical movement for all levels. To register for an upcoming session, email [email protected] or call 604-718-5895.

Chow Down Cooking Classes – Cowichan Green Community

The Chow Down Cooking Classes program is a series of cooking classes held every other week, at the Cowichan Green Community’s commercial kitchen located in downtown Duncan on Vancouver Island. These classes are offered free to members of the community who have lower income and may not be able to afford nutritious, healthy, local food. To register for an upcoming session, email [email protected] or call 205-748-8506.

Free and Affordable Counselling in Victoria

The Victoria Disability Resource Centre has put together a list of organizations in the Greater Victoria area that offer either free or affordable counselling services. The list includes information about what types of counselling each organization offers, where they are located, and how to get in touch.

HealthLink BC

HealthLink BC provides access to qualified exercise professionals through telephone, email, and web-based services. By calling 811, or visiting the HealthLink BC website, you can ask questions and learn more about physical activity.

PEI

Prince Edward Island Health

The PEI health plan pays for visits to a medical office, medical testing or treatment at publicly funded health facilities. You must be registered with the plan, using your personal healthcare card, to receive insured services. Visit the Health PEI website for more information. Additionally, PEI Pharmacare helps PEI residents with the cost of eligible prescription medications, certain medical supplies, and pharmacy services. You may be eligible to receive either partial or full coverage through one of the drug cost assistance programs.

Generic Drug Program

The Prince Edward Island Generic Drug Program is for Islanders under the age of 65 who do not have insurance. The program limits out-of-pocket costs for eligible generic prescription drugs to a maximum cost of $19.95. To access this service, individuals must have a valid PEI health card.

Out-Of-Province Medical Travel

For those who require medical services in either New Brunswick or Nova Scotia, you may qualify for financial assistance to travel with the Maritime Bus. For more information, learn how to apply.

Bridge the gapp

Bridge the gapp is an online access point for mental health resources in Prince Edward Island. Youth and adults can connect to self-help information, register for online programming, and learn about local services through a searchable service directory.

Canadian Red Cross Short-Term Health Equipment Loan Program

The Canadian Red Cross Short Term Health Equipment Loan Program (HELP) allows people to return home from hospital earlier and gives independence and dignity to those in palliative care. Individuals can receive aids such as wheelchairs, walkers, bath seats, benches, commodes and toilet seats, crutches and canes, bed handles and other durable medical equipment. To access this program, a referral form must be completed by a regulated healthcare professional.

Mi’kmaq Family Resource Centre

The Mi’kmaq Family Resource Centre delivers free services that promote the health and well being of young Aboriginal children and their parents, guardians and/or caregivers in Prince Edward Island. The Mi’kmaq Family Resource Centre offers a wide range of programs and services, including a community kitchen and wellness workshops.

SK

Saskatchewan Health

The Saskatchewan Health plan fully or partially covers the cost of many medical and community services for residents. Fully covered services include medically necessary services provided by physicians. Physiotherapy, occupational therapy, and some mental health services provided through hospitals, or clinics that have a contract with the Saskatchewan Health Authority are also fully covered.

Partially covered services include home care provided by the Saskatchewan Health Authority, and some optometry services.

There are also a number of extended coverage plans offered by Saskatchewan Health Authority, including coverage for prescription drugs. You must be registered with the Saskatchewan Health plan, using your personal healthcare card, to receive insured services.

Eat Well Saskatchewan

Eat Well Saskatchewan is a dietitian call centre for Saskatchewan residents.  The service provides free, confidential, easy access to the trusted advice of a dietitian to help you make healthier food choices and answer your food and nutrition questions. Registered Dietitians are available to answer questions about food, healthy eating for you and your family, budget-friendly meal ideas and more.

Saskatoon Food Bank and Learning Centre Nutrition Program

The Saskatoon Food Bank and Learning Centre Nutrition Program aims to promote food literacy, food skills, and food safety concepts while bolstering food security and access to nutritious food. Cooking classes are offered as part of this free program, and participants are provided with a cooking kit with the ingredients required to make nutritious meals.

Aquasize – Prince Albert Parkland Health Region

Aquasize, offered by the Therapies Department of the Prince Albert Parkland Health Region, is a gentle water-based exercise program designed for people who may have chronic illnesses such as arthritis and may not yet be strong enough to attend a public aquasize program. It is supervised by Therapies staff who direct the exercises and can work one-on-one with people who require a more hands-on approach.

LiveWell – Prince Albert Parkland Health Region

LiveWell program aims to help participants obtain information, learn new skills and abilities, and develop higher levels of confidence to manage and cope with chronic health conditions. The program is for people living with a chronic health condition, and caregivers. Programs topics include nutrition, exercise, fatigue and symptom management, use of medications, and dealing with fear, anger, and depression.

AB

Alberta Healthcare Insurance Plan (AHCIP)

The Alberta Healthcare Insurance Plan (AHCIP) provides eligible Alberta residents with full coverage for medically necessary physician services, and some dental and oral surgical health services. Your physician determines what insured services are considered medically necessary. You must be registered with the AHCIP, using your personal healthcare card, to receive insured services. Visit the AHCIP website to see a list of covered services.

GLA:D™ Clinic – University of Calgary

GLA:D™ is an 8-week education and exercise program, designed for people with symptoms of knee or hip osteoarthritis, to improve symptoms and promote independence in physical activity. The cost of the GLA:D programs are set by each clinic offering them, so there may be costs associated with attending. However, for those who have access to benefits, insurance companies will often cover the cost of the program.

To register for this program, visit the University of Calgary Active Living GLA:D™ Clinic website, call 403-220-8814, or email [email protected].

Knee Osteoarthritis Clinic – University of Calgary

The University of Calgary Knee Osteoarthritis Clinic was established to provide patients with a confirmed diagnosis and to develop a personalized and thorough non-operative treatment plan to improve knee function and quality of life. Program staff will work with you to establish a treatment plan that will best suit your needs. You will need a referral from your family physician to access the Knee Osteoarthritis Clinic. Visits to this clinic are covered with a valid provincial healthcare card.

It’s A Joint Effort – University of Calgary

It’s A Joint Effort is a multidisciplinary, online education program to help patients and caregivers adjust to a new diagnosis of inflammatory or autoimmune disease. By learning more about your condition, you’ll be able to better manage it and lead a fuller, healthier lifestyle. Made up of a series of online educational videos, It’s a Joint Effort allows you to learn more about what arthritis is, the support and resources available to you, the types of medications that are used to treat these conditions, tips on how to stay healthy and information on the benefits of exercise in the management of inflammatory arthritis and how to protect your joints.

Living with Osteoarthritis – MyHealth Alberta

MyHealth Alberta is a web-based resource with information about living with arthritis, including exercising with arthritis, and treatment options.

Alberta Health Services Nutrition

Alberta Health Services offers a variety of free group nutrition workshops and classes that are facilitated Alberta Health Services Registered Dietitians across the province.

Edmonton O-day’min Primary Care Network Nutrition

The Edmonton O-day’min Primary Care Network (PCN) offers nutritional counselling and a variety of themed nutrition classes. To access most nutrition services, your family physician must be part of the Primary Care Network. The Healthy Eating 101 class is open to everyone.

Edmonton O-day’min Social Work

The Edmonton O-day’min Primary Care Network (PCN) offers individual and group therapy, social work navigation, and a variety of mental health classes. To access one-on-one mental health services, your family physician must be part of the Primary Care Network. Most group classes are open to everyone.

Edmonton O-day’min Physiotherapy

The Edmonton O-day’min Primary Care Network (PCN) offers kinesiology services, individual fitness counselling and education, and exercise and active living classes. To access some services, your family physician must be part of the Primary Care Network. The Active Living 101 class and the MOVE program are open to everyone.

Alberta Healthy Living Program

The Alberta Healthy Living Program is designed to help people living with a chronic condition improve their health and quality of life. There are a number of free workshops and classes available on topics such as osteoarthritis, adult weight management, healthy eating, chronic pain management, and getting active.

Rehabilitation Advice Line

The Rehabilitation Advice Line, offered by Alberta Health Services provides rehabilitation advice and general health information for Albertans of any age. This service can: assess your rehabilitation needs over the phone; give advice on activities and exercises that help with physical, functional, or developmental concerns; provide strategies to manage the day-to-day activities affected by these concerns; and link you to rehabilitation services. For more information, call 1-833-379-0563.

Home Care

Those who require at-home assistance may be eligible for Alberta Health Service’s Home Care program, which can include physiotherapy, occupational therapy, nursing and social work services, among other services.

NL

Newfoundland and Labrador Medical Care Plan

The Newfoundland and Labrador Medical Care Plan (MCP) covers the costs of insured physician services. MCP beneficiaries are also entitled to coverage of insured medical services received in a hospital under the Hospital Insurance Plan (HIP), including occupational therapy and physiotherapy. You must be registered with the MCP using your personal healthcare card to receive insured services. Visit the MCP website to see a list of covered services.

Dial a Dietitian

Dial-a-Dietitian is a free, confidential service connecting you to a Registered Dietitian for trusted nutrition advice. No referral from a healthcare provider is needed. You can access this service by calling the Newfoundland HealthLine (dial 811) or emailing via the 811 HealthLine website.

Bridge the gapp

Bridge the gapp is an online access point for mental health resources in Newfoundland and Labrador. Youth and adults can connect to self-help information, register for online programming, and learn about local services through a searchable service directory.

811 Healthline Mental Health

811 Healthline offers a mental health program that is confidential and free, and staffed by experienced Registered Nurses. HealthLine nurses are there to listen, provide support and offer suggestions to help you or your loved ones. They will help connect you with services in your community or online programs that can be used anytime, anywhere.

T’ai Chi Chih®

T’ai Chi Chih® is a series of 20 gentle, repetitive, mindful, easy to learn movements designed to help activate, balance, and circulate the flow of Chi (also known as Qi, traditionally believed to be a form of energy that resides in every living being and is the underlying principle in Traditional Chinese Medicine). Sheila Leonard offers classes in St. John’s on a pay what you can basis. She also curates a list of classes throughout the province.

811 Healthline Primary Care

811 HealthLine is a free, confidential service connecting you to a Registered Nurse or Nurse Practitioner for trusted medical advice and health information, and virtual appointments. No referral from a healthcare provider is needed. You can access this service by calling the Newfoundland HealthLine (dial 811).

Seniors NL

SeniorsNL is a non-profit, charitable, voluntary organization that is dedicated to promoting the independence and well-being of older adults in Newfoundland and Labrador through the provision of information as well as various programs and services.

Medical Transport Assistance Program

The Medical Transportation Assistance Program (MTAP) provides financial assistance to beneficiaries of the Medical Care Plan (MCP) who incur substantial out-of-pocket travel costs to access specialized insured medical services which are not available in their immediate area of residence and/or within the Province. Visit the MTAP website to learn more about the program, including to see a list of eligible expenses.

Provincial Home Support Services Program: Paid Family Caregiving Option

The Paid Family Caregiving Option provides subsidies for seniors and adults with disabilities to pay a family member for approved home support. To find out more about the program, including eligibility criteria, visit the Provincial Home Support Services website.

Improving Health: My Way

The Improving Health: My Way Program consists of six group sessions which are designed to help individuals with chronic conditions manage their health, and maintain active and fulfilling lives, despite the challenges associated with their condition. Any adult living with a chronic health condition(s) is welcome to attend the sessions with a friend, family member or support person. This program is offered by Western Health NL.

 

YT

Yukon Healthcare Insurance Plan

Yukon Healthcare Insurance Plan provides coverage for required hospital and medical services, and some dental services. You must be registered with the Yukon Healthcare Insurance Plan using your personal healthcare card to receive insured services.

Clinical Nutrition Services – Whitehorse General Hospital

Whitehorse General Hospital’s Registered Dietitians (RD) are specially trained experts who offer nutrition and healthy eating information specific to your medical history, health condition, or lifestyle needs. Once referred to the program, a Registered Dietitian will provide nutrition education and counseling services on an inpatient and outpatient basis, by appointment only. Services are covered with a valid Yukon Healthcare Card.

Counselling Services – CMHA-YT

The Canadian Mental Health Association – Yukon branch (CMHA-YT) offers free counselling services for youth, adults, families and couples. Personal counselling at the CMHA-YT is generally available on a short-term basis, and they offer an 8-session counselling model. Initial sessions provide an opportunity to identify problems or areas of concern, and treatment planning.

Bounceback – CMHA-YT

Bounceback is a free, guided self-help program effective in helping adults and youth 15+ manage low mood, mild to moderate depression, anxiety, stress or worry. Through telephone coaching and a selection of skill-building workbooks to choose from, participants can customize their own program, learn ways to overcome their symptoms and improve their mental well-being now and in future. Available to Yukon residents in English and French, the program is free to all participants and is delivered by coaches who are extensively trained and overseen by clinical psychologists.

Occupational Therapy at Yukon Hospitals

Yukon Hospitals’ Medical Rehabilitation Services Department at Whitehorse General Hospital include: occupational therapists, and rehabilitation assistants working collaboratively to help promote your well-being and quality of life. Medical rehabilitation services are offered at the hospital on an inpatient and outpatient basis. To access outpatient physiotherapy services, all clients must have a referral from a doctor or nurse practitioner. Some products recommended by a therapist for home use may include a cost that is covered by some extended health insurance plans. Clients are responsible for any costs not covered by Yukon Healthcare.

Physiotherapy at Yukon Hospitals

Yukon Hospitals’ Medical Rehabilitation Services Department at Whitehorse General Hospital includes physiotherapists (PT), and rehabilitation assistants (RA) working collaboratively to help promote your well-being and quality of life. Medical rehabilitation services are offered at the hospital on an inpatient and outpatient basis. To access outpatient PT services, all clients must have a referral from a doctor or nurse practitioner. Some products recommended by a therapist for home use may include a cost that is covered by some extended health insurance plans. Clients are responsible for any costs not covered by Yukon Healthcare.

NT

Northwest Territories Healthcare Plan and Extended Health Benefits (EHB)

The Northwest Territories Healthcare Plan covers the costs medically necessary physician services provided by licensed physicians. The plan also covers the cost of medically necessary hospital services, provided at a hospital, on an inpatient or outpatient basis, including occupational therapy and physiotherapy. You must be registered with the MCP using your personal healthcare card to receive insured services. Visit the Northwest Territories Healthcare Plan website to see a list of covered physician and hospital services.

The Extended Health Benefits (EHB) program provides seniors and individuals with specified health conditions, including rheumatoid arthritis and osteoarthritis, with coverage for eligible prescription drugs, medical supplies, and equipment. Individuals registered with this program may also receive benefits related to medical travel such as meals and accommodations.

Registered Dietitian Services

The Northwest Territories Health and Social Services Authority offers free classes facilitated by Registered Dietitians. There are Registered Dietitians in every region of the Northwest Territories. To contact the Dietitian working in your region, you can contact your local Health Centre or email [email protected].

Community Counselling Program

The Northwest Territories Community Counselling Program provides access to mental health. Trained counsellors are available for you to talk about any problems that you may be dealing with in your life as well as provide assistance or referrals to other services that may be of help to you. This free service is available for all residents. Counsellors live in 20 communities throughout the Northwest Territories. In all other communities, counsellors provide phone support and in-person counselling on a fly-in basis.

NWT Help Line

The NWT Help Line offers free support to residents of the Northwest Territories, 24 hours a day, 7 days a week. The NWT Help Line also has an option for follow-up calls. Residents can call the help line at 1-800-661-0844.

Strongest Families Institute

Strongest Families Institute (SFI) provides accessible, evidence-based, English and French e-mental health services to children/youth, adults, and their families. Their anxiety and depression programs are rooted in Cognitive Behavioural Therapy based techniques. Visit the SFI website for more information about their programs.

Northwest Territories Health and Social Services Authority Occupational Therapy

Occupational Therapy services are offered across the Northwest Territories. If you are located in a smaller community you may have to be seen by a visiting Occupational Therapist, or travel to a larger centre for service. To access these services, contact your local health centre, clinic, or hospital, or refer yourself to the program. Visit the Northwest Territories Health and Social Services Authority website for more information.

Northwest Territories Health and Social Services Authority Physiotherapy

Physiotherapy services are offered across the Northwest Territories. If you are located in a smaller community you may have to be seen by a visiting Physiotherapist, or travel to a larger centre for service. To access these services, contact your local health centre, clinic, or hospital, or refer yourself to the program. Visit the Northwest Territories Health and Social Services Authority website for more information.

Northwest Territories Healthcare Plan and Extended Health Benefits (EHB)

The Northwest Territories Healthcare Plan covers the costs medically necessary physician services provided by licensed physicians. The plan also covers the cost of medically necessary hospital services, provided at a hospital, on an inpatient or outpatient basis, including occupational therapy and physiotherapy. You must be registered with the MCP using your personal healthcare card to receive insured services. Visit the Northwest Territories Healthcare Plan website to see a list of covered physician and hospital services.

The Extended Health Benefits (EHB) program provides seniors and individuals with specified health conditions, including rheumatoid arthritis and osteoarthritis, with coverage for eligible prescription drugs, medical supplies, and equipment. Individuals registered with this program may also receive benefits related to medical travel such as meals and accommodations.

Registered Dietitian Services

The Northwest Territories Health and Social Services Authority offers free classes facilitated by Registered Dietitians. There are Registered Dietitians in every region of the Northwest Territories. To contact the Dietitian working in your region, you can contact your local Health Centre or email [email protected].

Community Counselling Program

The Northwest Territories Community Counselling Program provides access to mental health. Trained counsellors are available for you to talk about any problems that you may be dealing with in your life as well as provide assistance or referrals to other services that may be of help to you. This free service is available for all residents. Counsellors live in 20 communities throughout the Northwest Territories. In all other communities, counsellors provide phone support and in-person counselling on a fly-in basis.

NWT Help Line

The NWT Help Line offers free support to residents of the Northwest Territories, 24 hours a day, 7 days a week. The NWT Help Line also has an option for follow-up calls. Residents can call the help line at 1-800-661-0844.

Strongest Families Institute

Strongest Families Institute (SFI) provides accessible, evidence-based, English and French e-mental health services to children/youth, adults, and their families. Their anxiety and depression programs are rooted in Cognitive Behavioural Therapy based techniques. Visit the SFI website for more information about their programs.

Northwest Territories Health and Social Services Authority Occupational Therapy

Occupational Therapy services are offered across the Northwest Territories. If you are located in a smaller community you may have to be seen by a visiting Occupational Therapist, or travel to a larger centre for service. To access these services, contact your local health centre, clinic, or hospital, or refer yourself to the program. Visit the Northwest Territories Health and Social Services Authority website for more information.

Northwest Territories Health and Social Services Authority Physiotherapy

Physiotherapy services are offered across the Northwest Territories. If you are located in a smaller community you may have to be seen by a visiting Physiotherapist, or travel to a larger centre for service. To access these services, contact your local health centre, clinic, or hospital, or refer yourself to the program. Visit the Northwest Territories Health and Social Services Authority website for more information.

NU

Nunavut Healthcare Plan

The Nunavut Healthcare Plan pays for most medically required services provided by a physician or in an insured hospital. Occupational therapy and physiotherapy provided through hospitals are also covered by the plan. You must be registered with the Nunavut Healthcare Plan using your personal healthcare card to receive insured services. Visit the Nunavut Healthcare Plan website to see a list of covered services.

Qajuqturvik Community Food Centre

The Qajuqturvik Community Food Centre works to improve food access, food skills, and advocacy in Iqaluit and Nunavut as a whole. They offer a daily community meal and a weekly no cost drop-in cooking club where community members can create community connections, learn new cooking styles and techniques, and build confidence with cooking and choosing healthy food.

The Government of Nunavut

The Government of Nunavut offers community, regional, and out-of-territory mental health services to residents of Nunavut. To access these services, call or visit your local health centre.

Nunavut Kamatsiaqtut Help Line

The Nunavut Kamatsiaqtut Help Line provides anonymous and confidential telephone counseling and contact service for any and all residents of Nunavut. Their services are available 24/7. To speak to a trained volunteer, call 867-979-3333 or toll free at 1-800-265-3333.

Isaksimagit Inuusirmi Katujjiqatigiit Embrace Life Council (IIKELC)

The IIKELC seeks to promote all-encompassing mental wellness and social inclusion programs and services through free educational and informative resources, workshops, social media platforms, community engagements, and local service providers.

Iqaluit Aquatic Centre

The Iqaluit Aquatic Centre offers a variety of group fitness classes and aquatic programs. More information, including a schedule of offerings and cost, is available on the Iqaluit website. Fees are structured on an annual, monthly, or single use basis. There is also a fee assistance program available for qualified individuals.

Elder’s Qammaq

The Elder’s Qammaq in Iqaluit serves as a drop in centre for Elders who are interested in socializing, participating in organized activities, and special events, including cooking clubs, workshops, and arts and crafts.

Programs or services listed are not affiliated with Arthritis Society Canada and their inclusion in this list is not an endorsement of any one service, individual, or program. Items listed are subject to change. If you notice something in your area is either missing, or has incorrect information, please let us know by email at [email protected].

If you are a provider offering low or no cost treatment options for people managing arthritis or chronic pain, and do not see your service listed here, please contact us by email at [email protected] to let us know.

Thank you to Jordan Rose for their help with this resource.

Financial Wellness Guide

This arthritis-focused Financial Wellness Guide links you to online resources to help you work towards building a stronger financial safety net. Here you will find information about federal and regional sources of funding for people with disabilities, tax credits, employment services, and more. In this section you will find information on:

What is financial wellness and why is it important?

Financial security means that an individual has enough money to meet basic needs such as food, clothing, and housing. It also means working toward financial goals and leading a rewarding life. People with arthritis may face barriers to financial security. While some manage well at work with little to no additional support, others may need to leave (or may not even be able to enter) the workforce to address their symptoms. In fact, working-aged Canadians with arthritis are twice as likely to report that they are not participating in the workforce compared to their peers without arthritis. Assistive devices, medication, and therapy are added expenses that may threaten someone’s financial well-being.

There are over 100 different types of arthritis and its symptoms can take many different forms. Not everyone with arthritis will experience a disability. For some people, arthritis doesn’t drastically affect their abilities or quality of life. However, for others, the impacts of arthritis can be severe, potentially affecting one’s abilities to perform activities of daily living such as getting dressed, preparing food, caring for children, working, or spending time with loved ones.

While there is no clear definition of disability in the Canadian Human Rights Act or Canadian Charter of Rights and Freedoms, the Public Health Agency of Canada’s 2010 report on Life with Arthritis in Canada identifies arthritis as “a leading cause of pain and disability in North America.” It defines disability as “a term that refers to difficulty in functioning at the body, person, or societal levels, in one or more life domains, as experienced by an individual with a health condition in interaction with contextual factors.”

Legal definitions of disability can vary between provinces/territories, though for the sake of accessing disability-related supports, these often entail the following:

  • a significant physical or mental impairment that is continuous or recurring that is expected to last a certain minimum amount of time (varies by region)
  • your impairment substantially impacts your ability to work, care for yourself, or take part in community life
  • your doctor or a licensed healthcare professional can verify your limitations

Many programs also require proof of financial need (i.e. your income is insufficient to adequately cover your basic needs).

Eligibility criteria for some federal disability support programs, such as the Government of Canada’s Disability Tax Credit program, may be narrower than provincial/territorial programs. That is, receiving support from one program does not guarantee your eligibility to receive support through another program. Please make sure to check the eligibility criteria of all programs to which you are applying to ensure that you are eligible.

Funding for persons with disabilities: Short- and long-term financial aid for individuals with disabilities to manage essential living expenses.

Tax credits: Amounts that reduce the tax you pay on your taxable income. The more tax credits that apply to you, the more you can reduce your income tax.

Employment services: Federal, provincial/territorial, and local programs that help you find and prepare for the job you want.

Return-to-work programs: Services that offer a proactive, formal plan to help workers who are injured or impacted by a disability remain at work or safely return to work. They also outline the steps that workers and supervisors need to take if an injury occurs.

Job training and skills upgrading: Education and training programs to help you advance your career. May include industry certifications, workplace experience, and entrepreneurial support.

Canada-wide Resources

Canada Disability Savings Grants and Bonds

The Canada Disability Savings Grant is a matching grant program, which means that the government will match financial contributions made to your Registered Disability Savings Plan up to a maximum of $3,500 per year.

The Canada Disability Savings Bond is a contribution made by the government to lower income Canadians through their Registered Disability Savings Plans. People who are eligible for the bond could qualify for up to $1,000 a year, depending on your household income.

Child Disability Benefit

f your family is caring for a child under the age of 18 with a “severe and prolonged impairment in physical or mental functions,” you may be eligible for this monthly tax-free payment.

Canadian Pension Plan (CPP) Disability Benefit

This is a monthly payment available to qualifying individuals who: a) are under the age of 65; b) have made enough contributions into the CPP; c) have a mental or physical disability that regularly stops them from doing any type of substantially gainful work; and d) have a disability that is long-term and of indefinite duration or is likely to result in death.

Education Funding for People with Disabilities

This Government of Canada webpage provides information about programs, benefits and services available to assist post-secondary students to access education.

Registered Disability Savings Plan (RDSP)

An RDSP is a savings plan that is intended to help parents and others save for the long-term financial security of a person who is eligible for the Disability Tax Credit.

Non-Insured Health Benefits Program for eligible First Nations and Inuit individuals

This program provides coverage for a range of health benefits not covered by other programs, including medical supplies and equipment, prescription and over-the-counter medications, medical transportation, as well as mental health counselling.

On-Reserve Residential Rehabilitation Assistance

Program for Persons with Disabilities (RRAP-D)
Through the RRAP-D, the Canadian Mortgage and Housing Corporation provides eligible First Nations members living on reserve with funding to modify housing to support the needs of persons with disabilities.

Veterans Disability Benefit

The Veterans Disability Benefit is available to eligible people who are current members or veterans of the Canadian Armed Forces or RCMP who have a diagnosed medical condition or disability and are able to show that the condition is related to their service.

Tax Credits: The federal government provides tax relief through the DTC, medical expense tax credit, GST/HST exemption on medical devices and supplies, and more.

Disability Tax Credit (DTC)

The DTC is a non-refundable tax credit that helps persons with disabilities or their supporting persons reduce the amount of income tax they may have to pay. A person is eligible for the DTC only if the Canada Revenue Agency approves your completed Form T2201, Disability Tax Credit Certificate. A medical practitioner is required to fill out the form and certify that you have a severe and prolonged impairment and must describe its effects. For more information about the Disability Tax Credit, visit the Canada Revenue Agency’s Webinar for Persons with Disabilities Part 1 and Part 2.

Disability Supports Deduction

For personal care expenses, and services that allow you to work or go to school. The deduction may include amounts paid for fulltime or part-time attendant care services. You must complete Form T929 to calculate your claim.

Medical Expense Tax Credit

The medical expense tax credit is a non-refundable tax credit you can claim to a specified maximum amount or 3% of net income. Allowable medical expenses may include: cost of prescription medications or medical devices and costs to alter a residence to make it accessible:

Refundable Medical Expenses Supplement

(includes medical cannabis expenses)

Excise Gasoline Tax Refund

If you have a permanent mobility impairment and cannot safely use public transportation, you can ask for a refund of part of the federal excise tax on the gasoline you buy. A qualified medical practitioner must certify the impairment.

The Non-Insured Health Benefits (NIHB) program provides eligible First Nations and Inuit clients with coverage for a range of health benefits that are not covered through:

  • social programs
  • private insurance plans
  • provincial or territorial health insurance

Drug and Pharmacy Products

Medical Transportation Benefits

Mental Health Counselling

EI Initiatives (financial assistance for skills development, planning assistance and mentoring to help you become self-employed)

Lifelong Learning Plan

Opportunities Fund (must self-identify with having permanent physical or mental disability that restricts your ability to perform daily activities, be unemployed and seeking employment, not normally be eligible for Employment Insurance benefits)

Vocational Rehab Program (CPP)

Disability Benefits includes disability pensions and children’s benefits, savings plans and a gasoline tax refund program

You can apply for a GST/HST rebate on the cost of adapting a vehicle for use by or to transport a person with a disability.

Form GST 518

March of Dimes Canada’s Home and Vehicle Modifications

Tetra Society of North America custom assistive devices

Makers Making Change: A Neil Squire Program

Ceridian Cares Grants

Resources by Province

ON

Funding, Tax Credits and Benefits Programs

In Hamilton, ON:

In Ottawa, ON:

In Toronto, ON:

In York Region, ON:

Employment Services

In Ottawa, ON:

Job Training, Skills Upgrading and Return-to-Work Programs

In Toronto, ON:

Assistive Devices/Medical Equipment Funding

In London, ON:

  • Discretionary Benefits (under Ontario Disability Support Program, but low-income individuals not on ODSP may also be eligible)

QC

Funding, Tax Credits and Benefits Programs

Employment Services

Job Training, Skills Upgrading and Return-to-Work Programs

In Montreal, QC:

Assistive Devices/Medical Equipment Funding

NS

Funding, Tax Credits and Benefits Programs

Employment Services

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

NL

Funding, Tax Credits and Benefits Programs

Employment Services

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

  • Special Assistance Program: Provides basic medical supplies and equipment to assist with activities of daily living for individuals living in the community who meet the eligibility criteria for the program

PEI

Funding, Tax Credits and Benefits Programs

Employment Services

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

NB

Funding, Tax Credits and Benefits Programs

Employment Services

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

MB

Funding, Tax Credits and Benefits Programs

Employment Services

In Winnipeg, MB:

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

BC

Funding, Tax Credits and Benefits Programs

In Vancouver, BC:

Employment Services

In Vancouver, BC:

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

In addition to a broad range of drugs, PharmaCare covers approved prosthetic and orthotic devices, ostomy supplies, and insulin pumps and supplies for eligible B.C. residents.

In Vancouver, BC:

  • Mary Pack Arthritis Centre provides a comprehensive collection of education and treatment services to people living with arthritis

SK

Funding, Tax Credits and Benefits Programs

Employment Services

Job Training, Skills Upgrading and Return-to-Work Programs

In Regina, SK:

In Saskatoon, SK:

Assistive Devices/Medical Equipment Funding

AB

Funding, Tax Credits and Benefits Programs

In Edmonton, AB:

Employment Services

In Calgary, AB:

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

In Calgary, AB:

In Edmonton, AB:

YT

Funding, Tax Credits and Benefits Programs

Employment Services

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

NU

Funding, Tax Credits and Benefits Programs

Employment Services

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

NT

Funding, Tax Credits and Benefits Programs

Employment Services

Job Training, Skills Upgrading and Return-to-Work Programs

Assistive Devices/Medical Equipment Funding

Thank you to Meg Zhang for her assistance with this project.

More resources

Access to Medication

This resource will help you understand private and public drug coverage options in your province/territory as well as special programs to assist with the cost of medications.

Are You Eligible for Tax Savings?

Find out if you are eligible for tax credits or other measures including credits for medical expenses, persons with disabilities, caregivers or home buyers.

Understanding Your Coverage Options

Learn more about the different sources of medical coverage in Canada, including public and private insurance plans, as well as special coverage programs.

Are you interested in advocating for affordable access to medications?

Get involved as an Advocacy volunteer

 

This resource was made possible in part through the generosity of Meridian Credit Union.