2024

GEM Healthcare Services > Blog > 2024
Advocacy, Home care, Legislation, Long term care, Uncategorized

Why the time for a more accessible Seniors’ Tax Credit is now

Senior Couple at Home Office Reviewing Financial Documents and Consulting Tax Advisor for Retirement Planning
Senior Couple at Home Office Reviewing Financial Documents

If you or one of your loved ones is among Ontario’s over-80 population – or approaching that age – you might be interested in the current push to implement an enhanced Seniors’ Tax Credit in our province. The timing couldn’t be more urgent, given that Ontario’s 80+ population is set to double between 2023 and 2040. Properly administered, a Seniors’ Tax Credit will enable seniors to live and receive care in their homes and communities longer, saving long term care (LTC) spaces and hospital beds for those who need them most.

The call for a more accessible Seniors’ Tax Credit is backed by a group of health care, senior living, and real estate organizations in Ontario who understand the vital role it can play in our entire health care and housing continuum. This coalition of organizations is leading the charge to persuade the provincial government to implement a tax benefit that will truly work for Ontario’s seniors. Quebec’s new program serves as a valid model; thanks to its seniors’ tax credit, that province has reduced its LTC waitlist to just over 3,700 as of October 2024, versus 47,000 in Ontario.

One of the key aims is the desire to get rid of the ‘grey market’, whereby unlicensed providers are delivering some seniors’ home care services, often under the table. The legitimate organizations providing services have a powerful, united voice and agree wholeheartedly with a recent C.D. Howe Institute research paper which outlines the need for provinces to implement smart policies to address our growing senior population and economic challenges faced by some seniors. 

The 2022 Ontario budget did introduce a new refundable personal income tax credit called the Ontario Seniors Care at Home Tax Credit (OSCAH). However, the steps to qualify for OSCAH pose a challenge in that seniors must apply and be approved for a federal disability certificate in order to claim part-time attendant care in their homes as an eligible medical expense. As a result, the vast majority of home care recipients have difficulty claiming these expenses and receiving their credit. 

We all know that Ontario’s healthcare system is already stretched to the limit, and more funding alone won’t solve the capacity challenges. To sustain our healthcare system as baby boomers age, leveraging seniors’ care capacity outside of the publicly funded LTC and hospital sectors must be part of the solution. Based on current numbers, an enhanced Seniors’ Tax Credit would allow for 2400 seniors to be diverted from the LTC waitlist to be cared for in the community.

As mentioned, a more accessible tax credit will help seniors afford the necessary services that will enable them to age in the communities of their choice. It would also incentivize senior-focused development and unlock more housing units for young Ontarians who want to start families. If you agree that the time for change in Ontario is now, we encourage you to contact your local Member of Provincial Parliament and add your voice to the chorus pushing for a more accessible Seniors’ Tax Credit. For more information, please visit the Seniors’ Tax Credit website or contact us at GEM Health Care Services.

A medical professional administering a vaccine, showcasing public health and disease
Uncategorized

Promoting workplace health: Why employers should facilitate flu shots this winter

As the winter season looms, it is time for employers to consider accommodating the administration of flu shots at their workplace in order to protect people, says GEM Health Care’s Gaye Moffett. 

“Get the flu shot!” she urges. “You want your staff to stay healthy, and I know now there’s a lot of work-from-home, but you want staff to stay healthy, right? And you don’t want them to infect others,” Moffett says. 

Public health authorities have declared the end of October into November as the ideal time to update your flu shot, and GEM has been commissioned by several large organizations and corporations to administer workplace shots. These include accounting firms and investment firms, which face intense deadlines and long workdays spent attempting to meet deadlines. Employers want those workers to remain free of illness, Moffett says. 

And the more people who receive a flu shot, the better, as it will encourage herd immunity. It will also protect vulnerable populations, such as the elderly and the very young. While the flu shot will not necessarily prevent everyone from getting sick, it will diminish symptoms and assuage some suffering. 

Encourage herd immunity

Moffett would like to dispel the myth that getting the flu shot causes you to get the flu or flu symptoms. 

“What may have happened to them is that they may have been exposed to the virus before they took the flu shot, which makes them vulnerable to the virus, so they come down with the flu,” she says.

“You don’t know when you kind of get it. And then you have the shot, and it takes about five to 10 days for it to work within your body to build your immunity, and then you’re protected.”

And if you had a flu shot last year, that does not negate you from getting an additional shot this season. That’s because immunity only extends for six months.

“Even if people got it last year, they still need to get it,” Moffett says. 

Moffett says that every party that provides flu shots must be certified by the province, which GEM is. This means they meet a long list of criteria in order to be qualified to administer the shots, including proper refrigeration capabilities and trained healthcare workers. “ I have to prove that I’m a bona fide organization, that I have the insurance, and that I’ve got the capacity,” Moffett says. 

GEM Health Care certainly has the capacity to help prevent the spread of flu this season, and workplaces are urged to take advantage of their expertise and the ease of in-office immunization that GEM provides.

Serious curly haired woman manages household family budget calculates expenditures takes care of finances and savings sits at table with receipts dressed in domestic clothes poses at home
Advocacy, Aging in place, Family, Home care, Legislation

Why helping families pay for home care makes sense

For seniors, aging-in-place at home is the most comfortable, safe, and affordable option.

That’s why Gaye Moffett is on the board of Home Care Ontario, to work closely with other home care advocates to keep their work top of mind with every level of government.

Here’s what they’re working on right now to get families more support:

Home care co-payments and tax credits

Right now, anyone admitted to a long-term care facility only pays part of the cost. The government subsidizes the rest. 

As an alternative to moving people to a long-term care facility,  Gaye is advocating for a co-pay option to support clients at home. It’s a good investment for the government to make. With less overhead, providing care at home is more cost-effective than at a facility.

Other government incentives are also on the table, such as enhancing tax credits like the Ontario Seniors Care at Home (OSCAH) tax credit, and exempting family-funded care from sales taxes like the HST.

Raising the reputation, visibility and awareness of family-funded home care

One of the biggest challenges home care providers face is the invisibility of the work they do.

When you drive past a hospital or long-term care facility, you know there are people being cared for within those walls. It’s easy to forget that care is also being provided in people’s private homes.

Gaye and her colleagues are raising awareness by advocating for accreditation for family-funded care providers, agency licensing, an authority to over see allied health, and stronger enforcement of labour standards in the grey market to protect people from unlicensed ‘caregivers’ advertising their services on Kijiji.

Contributing to health system transformation

With health system transformation underway due to the pandemic, Gaye wants people to know how family-funded care providers are contributing to those efforts.

That’s why they’re sending educational materials to Ontario Health Teams (OHTs) about their work. 

They’re also engaging the OHTs directly to explain why enhancing home care services is a better option than creating ‘add-on’ services via retirement homes, which come with overhead costs similar to long-term care facilities.

For Gaye and her fellow advocates, investing in home care just makes sense.

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Advocacy

When it comes to navigating home care, we have your back

Finding help for your loved one when they need it the most is never easy.

That’s why Gaye Moffett truly is a ‘gem’ (pardon the pun) when it comes to advocating for her clients and the public in general.

Here are a few ways she pitches in: 

Talking to insurance companies

Being fortunate enough to have private insurance may be a wonderful thing, but getting it approved can sometimes be a challenge.

Insurance companies need to know that the care you need reaches the threshold for a nurse, not just homemaking or personal care.

If for some reason you get turned down, you may not know what to do next. 

This is where Gaye steps in on behalf of her clients. She will contact your insurance company herself and explain why a nursing level of care is required, which helps speed up the approval process.

Representing her clients with Home Care Ontario 

One of the benefits of the Canadian healthcare system is that it combines public options with family-funded care.

This creates a flexibility that allows folks with private insurance to supplement what they’re already eligible for. However, this can also make the system more complex and tough to navigate.

That’s why Gaye takes an active role with Home Care Ontario, to be aware of gaps in the system so she can advocate for family-funded care providers.

By staying in the loop, Gaye helps her clients get the care they need while reducing demand on the public system.

Identifies and advocates for key pieces of legislation to reduce home care costs for Ontarians

By networking with other home care professionals and developing strong working relationships with officials at every level of government, Gaye has her eye on the big picture. 

Through her understanding of how each level of government supports home care services for all Canadians, she can effectively advocate for specific legislation changes. 

In addition to playing a part in the Ontario government’s legislation that requires the licensing of Temporary Help Agencies, Gaye is working behind the scenes on two more key pieces of legislation that will make home care more affordable at the provincial and federal levels.

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Home care

When do I need a nurse vs. a personal support worker?

“I need a nurse,” is what Gaye Moffett often hears when she picks up the phone.

But a nurse may not be the level of care you or your loved one needs right now to live comfortably at home for as long as possible.

So how do you know you’re getting the right level of care? 

In Ontario, the first step is to call 310-2222 (no area code required) to find the Home and Community Care Support Service provider in your area.

They’ll assign a case manager to assess your situation and determine whether you need a nurse or personal support worker. Once that’s done you can top up your eligible hours with a family-funded provider like GEM.

Here’s what to expect from the professionals who will be helping you. 

When you need a nurse

As a rule, you don’t need a nurse unless you are acutely ill or injured, or have a chronic condition that requires ongoing nursing support, like having a peg tube that needs to be cleaned regularly to prevent infection.

While there are two types of nurses — registered nurses (RNs) and registered practical nurses (RPNs) — you can rest assured that they’re all registered with the College of Nurses of Ontario. 

For the most part they carry out the same duties, but RNs are typically responsible for planning and monitoring care, while RPNs carry the plan out. 

Care plans could include administering medications, wound care, changing dressings, monitoring blood pressure, administering oxygen therapy and collecting specimens. 

When you need personal support 

Personal support workers, home support workers, and companions are the people who help you live in your home independently, while lowering the risk of illness or injury that could land you in the hospital.

Personal support workers (PSWs) are college-trained, certified professionals who help people with their activities of daily living (ADLs) like bathing and dressing. Sounds simple, but knowing how to transfer someone safely in and out of the tub with a lift requires specific training.

Home support workers (HSWs) are also certified and trained in their field, and assist in all facets of home management, including meal preparation, light housekeeping, and assistance with shopping.

Companions who work for GEM must complete the company’s training course. Sitters ensure the safety and security of a client by assisting with all levels of companionship, emotional support and activity attendance. They are able to accompany a resident to and from appointments and record information as required.

In a world where it’s clear most people want to live at home, and delivering care at home is the most cost effective option for our health system, calling on GEM to make it possible could be the option for you and your family. Call (613) 761-7474 to learn more.