Home renovation tax credit for seniors and persons with disabilities

The Home renovation tax credit for seniors and persons with disabilities assists eligible individuals 65 and over and persons with disabilities with the cost of certain permanent home renovations to improve accessibility or be more functional or mobile at home.

Basic Eligibility

• Resident of BC and
• A Senior or family member living with a senior or
• A person with a disability or family member living with a person with a disability

Visit: https://www2.gov.bc.ca/gov/content/taxes/income-taxes/personal/credits/seniors-renovation

Alberta Aids to Daily Living (AADL)

AADL helps Albertans with a long-term disability, chronic or terminal illness to pay for basic medical equipment and supplies.

Basic Eligibility

An assessment by a health care professional determines the equipment and supplies that an Albertan can receive through this program.

Albertans pay 25% of the benefit cost to a maximum of $500 per individual or family per year. 

Low income Albertans and those receiving income assistance are exempt from paying the cost-sharing portion.

Visit: https://www.alberta.ca/alberta-aids-to-daily-living.aspx

Seniors Home Adaptation and Repair Program (SHARP)

Low-interest home equity loans can cover a range of home adaptations and renovations to help seniors stay in their homes longer.

Basic Eligibility

If you meet all loan eligibility requirements and have sufficient home equity, you are not eligible for a grant. 

You may be eligible for a grant if you are your spouse/partner (if applicable) are:

• Not eligible for a SHARP loan
• 65 years of age or older (only one spouse/partner needs to be 65)
• Canadian citizen(s) with income below the SHARP grant income thresholds
• Receiving or have applied for all other eligible seniors financial assistance

Visit: https://www.alberta.ca/seniors-home-adaptation-repair-program.aspx

Residential Access Modification Program (RAMP)

The Residential Access Modification Program (RAMP) provides grants to help lower-income Albertans with mobility challenges modify their homes so they can enter and move around inside the home more easily.

Basic Eligibility

You may apply for a RAMP grant if you are:

• A Canadian citizen or permanent resident who has lived in Albert for 90 continuous days and have a valid Personal Health Number
• An Albertan of any age who uses a wheelchair, or a senior (65+ years) who uses a 4-wheel walker on an ongoing basis
• Living with a progressive neuro-degenerative disease
• A homeowner, tenant or living with family
• An Indigenous person living off or on reserve
• A single person with a gross household income of $36,900, or a couple with $46,500 or less

Visit: https://www.alberta.ca/seniors-home-adaptation-repair-program.aspx

The Saskatchewan Home Repair Program

The Saskatchewan Home Repair Program - Adaptation for Independence provides financial assistance to homeowners or rental property owners with low incomes to make a home more accessible for a person with a housing-related disability.

Basic Eligibility

• Resident of Saskatchewan
• A person with a disability or family member living with a person with a disability

Visit: https://www.saskatchewan.ca/residents/housing-and-renting/home-repairs-and-renovations/adapt-a-home-for-a-person-with-a-disability#:~:text=The%20Saskatchewan%20Home%20Repair%20Program,with%20a%20housing%2Drelated%20disability.

Residential Adaptation Assistance Program

This program provides financial assistance to the owners of a dwelling occupied by a person with a disability so that the adaptation work can be carried out.

Eligibility

Any person with a disability who is limited in carrying out their everyday activities at home can benefit from the program, provided that they:

• provide a supporting document proving that their disability is significant and persistent
• are not eligible for financial assistance for residential adaptation work under a private or public program or insurance plan, including:
• The Société d’Assurance Automobile du Québec (SAAQ) insurance plan
• The Commission des normes, de l’équité, de la santé et de la sécurité du travail (CNESST) insurance plan
• The Compensation for Victims of Crimes (IVAC) program
• An insurance plan administered by a private or public corporation
• Veterans Affairs Canada’s Health Benefits Program (home adaptation component)

Other conditions may apply.

Visit: http://www.habitation.gouv.qc.ca/english/detail_du_programme_english/programme/residential_adaptation_assistance_program.html

Homeowner Repair Program

Provides financial assistance for:

• Low income homeowners occupying existing substandard housing to repair, rehabilitate or improve their dwellings.
• Modifications to low income homeowner and rental units to improve the accessibility of the dwelling for occupants with disabilities.
• Adaptations for low income seniors who have difficulty with daily living activities in the home.
• Provides assistance for limited modifications to eligible households to accommodate an aging parent.

Eligibility

• the household income must be below the established "housing income limits" which vary by household size and by geographical areas within the province.
• you must own the home and live in it
• your home must require major repairs or lack basic facilities.
• modifications are required for people with disabilities must be housing related and/or provide access to permanently installed, basic facilities within the dwelling.
• adaptations required for seniors must facilitate and prolong independent living (i.e. using the kitchen & getting around hallways)

Visit: https://www2.gnb.ca/content/gnb/en/services/services_renderer.8735.Homeowner_Repair_Program_.html

Vehicle Retrofit Program (Persons with Disabilities)

Home Modification Program (HMP)

Through Newfoundland and Labrador Housing Corporation (NLHC), HMP is designed to provide funding to assist homeowners with low-to-moderate income who require accessibility changes to their residences, to enable individuals to remain in their own homes for a longer period.

Eligibility

Homeowners with low-to-moderate income requiring accessibility modifications to their homes (an Occupational Therapist’s report is required clearly indicating whether modifications are non-urgent or urgent. 

NOTE: Urgent modifications are required for the client to return/remain home. Where extenuating circumstances exist and at the discretion of NLHC, a report prepared by a qualified medical professional other than an Occupational Therapist may be accepted); The program serves applicants with an annual income of $46,500 or less.

Visit: https://www.nlhc.nl.ca/housing-programs/home-modification-program-hmp/

Home Adaptations for Seniors' Independence

This program helps homeowners and landlords pay for home adaptations so seniors with lower incomes can stay in their homes independently for longer periods of time. 

A loan of up to $3,500 is available, and does not need to be repaid as long as the landlord agrees that the unit will be occupied for a minimum of six months. The landlord must also agree that rent will not increase as as result of the modifications. Repayable loans are not available.

The home repairs covered by this grant include minor items to help with age-related challenges. 

Some examples include:

• Handrails in hallways and stairways
• Easy-to-reach work and storage areas in the kitchen
• Lever handles on doors
• Walk-in showers and grab bars
• Bathtub grab bars and seats

Any adaptions that are made should be permanent. Exceptions can be made for equipment like bath lifts that help to make accessing basic facilities easier. Supportive care aids like walkers and household appliances are not covered by this funding.

Visit: https://housing.novascotia.ca/programs/housing-programs-landlords/home-adaptations-seniors-independence

Seniors Safe @ Home

The program is intended to assist low and moderate income people who have difficulties with daily living activities by providing financial assistance to carry out minor modifications to help them stay in their home. 

What assistance is available?

This program will contribute to the costs to make changes to your home. You can apply more than once for a maximum lifetime grant of up to $5000.

Visit:  http://www.gov.pe.ca/photos/original/CSS_SSH_BROa.pdf