Financial Assistance for Senior Care in BC

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The cost of senior care in British Columbia varies widely depending on the type of care, level of support, and whether the facility is publicly funded or private. Understanding the financial programs available can significantly reduce out-of-pocket costs for families.

Publicly funded residential care in BC uses a means-tested rate system — your monthly rate is based on your after-tax income. The BC government also provides several supplementary programs including pharmaceutical coverage, equipment subsidies, and income supplements specifically for seniors.

Federal programs like Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) provide baseline income support, while provincial programs layer additional benefits on top.

Programs & Services

BC Residential Care Client Rates

BC Ministry of Health

Publicly funded residential care rates are based on after-tax income. Rates range from approximately $1,200 to $3,900+ per month. No one is denied care due to inability to pay.

Who qualifies: BC residents assessed and approved for publicly funded long-term care or assisted living.

How to apply: Rates are calculated automatically when you are admitted to a publicly funded care home. Bring your most recent tax assessment.

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Old Age Security (OAS) & Guaranteed Income Supplement (GIS)

Government of Canada — Service Canada

Monthly income for Canadians 65+. OAS is based on years of Canadian residency. GIS provides additional non-taxable income for low-income seniors.

Who qualifies: Canadian citizens or legal residents aged 65+ who have lived in Canada for at least 10 years after age 18.

How to apply: Apply through Service Canada online (My Service Canada Account), by mail, or in person at a Service Canada centre.

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BC Seniors Supplement

BC Ministry of Social Development & Poverty Reduction

A monthly provincial top-up payment for low-income seniors who receive the federal OAS/GIS. Up to $49.30/month (2024 rates).

Who qualifies: BC residents aged 65+ who receive the federal GIS or Allowance.

How to apply: No separate application needed — it is automatically paid when you receive GIS and file your BC tax return.

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Fair PharmaCare

BC Ministry of Health

Income-based prescription drug coverage for BC residents. Covers eligible prescription drugs, insulin, and some medical supplies after you meet your deductible.

Who qualifies: All BC residents enrolled in MSP. Deductible and maximum are based on family net income.

How to apply: Register online at gov.bc.ca/pharmacare or call 1-800-663-7100. You'll need your CareCard and tax information.

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BC Bus Pass Program

BC Ministry of Social Development & Poverty Reduction

Annual bus pass for $45 providing unlimited transit on all BC Transit and TransLink services for low-income seniors.

Who qualifies: BC residents who receive federal GIS or the BC Seniors Supplement.

How to apply: Apply through the Ministry of Social Development. Call 1-866-866-0800 for the application form.

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Veterans Affairs Canada — Long-Term Care Program

Veterans Affairs Canada

Covers the cost of long-term care for eligible veterans, including accommodation, meals, and personal care. May also cover additional health benefits.

Who qualifies: Canadian Armed Forces veterans with a service-related disability, or veterans who qualify based on income and health needs.

How to apply: Contact Veterans Affairs Canada at 1-866-522-2122 or apply online through My VAC Account.

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Equipment & Assistive Devices Program

BC Ministry of Health

Provides financial assistance for medical equipment and assistive devices including wheelchairs, hospital beds, and communication aids.

Who qualifies: BC residents assessed by a health professional as needing the equipment. Income-tested co-payment may apply.

How to apply: Request a referral from your doctor, occupational therapist, or physiotherapist. They will submit the application on your behalf.

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