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A Guide to Retirement Care & Senior Living in Kawartha Lakes

Situated 90 minutes away from Toronto, the charming city of Kawartha Lakes offers seniors looking to retire a fulfilling retirement with a high quality of life and an active lifestyle. The city is best known for its 250 lakes and rivers and is often considered a summer-resort center for many seeking to leave the city centre. With a variety of parks, lakes, heritage buildings, museums, and outdoor spaces, Kawartha offers a variety of seasonal activities to partake in. If retiring in Kawartha Lakes sounds like the right fit for you, <a href="https://www.caredupon.ca/">Cared Upon</a> is here to guide you through your options for retirement communities in the city.&nbsp;&nbsp;

Older adults in Kawartha Lakes can take part in a wide range of recreational and leisure activities to keep an active retirement lifestyle. As the city is home to 250 different lakes, seniors can find themselves spending their days fishing, boating, canoeing, kayaking, swimming, and picnicking near the surrounding outdoor spaces. Kawartha Lakes also boasts a variety of historic sites, museums, theatres, and art galleries for residents to visit and view a variety of art collections and talented performers the city has to offer. Residents can also find a variety of farmers' markets, such as Lindsay Farmers’ Market and the Balsam Lake Provincial Park Farmers’ Market, to explore and find locally grown fruits, vegetables, and even baked goods.&nbsp;&nbsp;

Kawartha Lakes is known to have a humid continental climate, with warm summers and freezing, snowy winters. Winter temperatures are likely to average around -15°C to -3°C (5-26.6°F). During the summertime, the average temperature sits at around 25°C (77°F).&nbsp;&nbsp;

You may find that as you age, your home care and retirement needs will change. From assisted living to adult lifestyle communities, Ontario offers seniors a range of housing options to fit their lifestyle and health needs. Although the location of your retirement community in Ontario will directly affect the cost, you can typically expect the cost of assisted living to start at $2000-$3000 per month.&nbsp;Although a large portion of retirement housing is privately owned and paid for, the government allows you to claim the costs of nursing homes or long-term care facilities through the Medical Expense Tax Credit (METC). Depending on the type of care you require and the facility you choose to call home, you can choose to claim for the costs which will be determined by your personal income. To learn more about the Medical Expense Tax Credit, visit the <a href="https://www.ggfl.ca/medical-expense-tax-credit-nursing-homes-vs-retirement-homes/">GGFL website</a>.&nbsp;

In terms of retirement budgeting, you’ll find that the cost of retiring in Ontario will vary depending on the city you choose to settle down in. For example, as Toronto is one of the most vibrant and liveable cities in all of Canada, you may find that the cost of living is higher than the national average. However, seniors living on a low to moderately low income wishing to retire in Ontario may be eligible for various income support programs. &nbsp;Ontario Trillium Benefit (OTB): The Ontario Trillium Benefit is a program that provides eligible seniors with payment from a combination of the Ontario Energy and Property Tax Credit, Northern Ontario Energy Credit, and the Ontario Sales Tax Credit.&nbsp;Government Funding&nbsp;Seniors residing in Ontario may also access several federally provided financial resources to help them prepare and pay for their retirement. If eligible, you may access funding through federal programs such as the Canadian Pension Plan Retirement Pension (CPP), Guaranteed Income Supplement (GIS), and the Old Age Security Pension (OAS). For more information on Government contributions and your eligibility, visit our <a href="https://www.caredupon.ca/blog/paying-for-care/paying-for-care-in-canada-%7C-government-contributions">care blog</a>.&nbsp;

For seniors not eligible or looking for government funding, there are several different ways they can look to fund their retirement. &nbsp;Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs): Using a Registered Retirement Savings Plans (RRSPs) or a Tax-Free Savings Account (TFSAs) you may save up for your post-retirement income, which will be dependent on the amount put into these accounts when you first began saving and the interest you received.&nbsp;Investment accounts: Taxable investment accounts, such as stocks and bonds, is a more common form of saving up for a post-retirement income source. &nbsp;Employer-sponsored pension plans: You may be eligible for an employer-sponsored pension plan through your employer. This plan involves your and your employer contributing money towards your retirement over the course of your employment.&nbsp;To learn more about your post-retirement income source options, visit our <a href="https://www.caredupon.ca/blog/paying-for-care/paying-for-care-in-canada-%7C-stretching-your-dollars">resource centre</a>.&nbsp;

All residents of Ontario must sign up with the Ontario Health Insurance Plan (OHIP) to receive free health care and health services. As health care is publicly funded, under OHIP residents are entitled to coverage on health services such as visits to your doctor, hospital stays, medical surgeries, dental surgeries, ambulance services, eligible optometry services, and even travel for health-related services. While these are the standard services covered under OHIP, seniors 65 and up receive extended coverage on optometry services and prescription medication. You can find information on extended prescription medication coverage through the Ontario Drug Benefit program (ODB) on the <a href="https://www.health.gov.on.ca/en/pro/programs/drugs/opdp_eo/notices/fq_exec_office_20210511.pdf">Ontario Ministry of Health website</a>. &nbsp;

For further information, you can visit and/or contact these sources:&nbsp;<a href="https://files.ontario.ca/seniors-guide-english-web-2.pdf">Ontario Senior Living Guide</a>: A comprehensive guide to all things senior living and program-related in Ontario.&nbsp;Telehealth Ontario: Call 1-866-797-0000 Toll-free to get access to a confidential health information line.&nbsp;

Lifestyle & Activities 

Weather and Climate 

Housing Options in Kawartha Lakes: Finding the Right Fit for You

Cost of Retiring in Kawartha Lakes: Budgeting and Financing

Post-Retirement Income Sources

Access to Healthcare

Additional Resources

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A Guide to Retirement Care & Senior Living in Oshawa

As one of Ontario’s most populated cities, Oshawa is a well-suited city for seniors as it offers a variety of cultural and heritage attractions, dining options, and outdoor recreational opportunities. With over 130 parks to wander and an assortment of foodie hotspots, you can find an endless amount of opportunities to stay active and engaged in the city, whether it be outdoors or indoors. If you are thinking about retiring in Oshawa, <a href="https://www.caredupon.ca/">Cared Upon</a> can assist you in finding a retirement home in the city.

The city of Oshawa offers a wide range of outdoor activities and recreational spaces for seniors to enjoy an active lifestyle, including parks, lakes, rivers, cycling paths, and trails. A popular park that both locals and tourists enjoy visiting when in the city is Oshawa’s Valley Botanical Gardens, a garden featuring one of the largest collections of peonies in North America. For seniors that enjoy the cultural arts scene and historical site viewings, the Parkwood National Historical Site and Rober McLaughlin Gallery are among some of the most popular sites to visit. In local senior centers, seniors can also participate in classes such as yoga, card or board games, dancing, or painting where they can meet other like-minded older adults.

Oshawa is known to have a cold and temperate climate, with moderately warm summers and freezing, snowy winters. Partly overcast weather is known to prevail throughout the year. You can expect average temperatures during the winter to range anywhere from -9°C to -2°C (15.8°F-28.4°F).&nbsp; During the summertime, average temperatures sit at around 20°C. (68°F).&nbsp;

Lifestyle & Activities

Weather and Climate

Housing Options in Oshawa: Finding the Right Fit for You

Cost of Retiring in Oshawa: Budgeting and Financing

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<a href="https://www.caredupon.ca/care-advisor/apply">Click here to match with a Cared Upon Senior Living Advisor today.</a>

Find The Support You Need With a Senior Living Advisor 

You or your loved ones have come to an important conclusion–it’s time to seek additional living support. Independent research is a critical first step in this process, but you’ve realized just how much information is out there. Navigating the digital maze of elder care providers’ websites, blogs, and independent resources can often lead to more questions than answers. Senior Living Advisors are here to help guide you all the way through the process, from initial research to moving day.&nbsp;&nbsp;Senior Living Advisors (SLAs), sometimes referred to as Senior Living Consultants, Senior Living Care Professionals, or Elder Care Advisors, are not affiliated with specific care facilities, working independently to ensure that you find the perfect residence. Each Senior Living Advisor is equipped with a wealth of experience in the senior care industry, and has access to information sometimes unavailable to families. Their goal isn’t to rush you through this already stressful process– they’re here to empower your decision making with the support and resources you need.&nbsp;

You’ve likely already noticed that the existing senior care landscape is not exactly conducive to independent research– care homes’ guides, blogs, and resources sometimes host competing information, or are colored by their intention to attract new residents. Senior Living Advisors have guided families through this process before, allowing them to provide you with specific, relevant information. Since Senior Living Advisors are not affiliated with a particular facility, you can trust them to be honest and objective. Not only will they be able to discuss the levels of available care, vacancies in your area, and how to pay for it, they’ll also have a qualitative sense of each community.

Senior Living Advisors work for you– not for care providers. Before your SLA begins the discussion about available facilities, they spend time getting to know you. All of their recommendations are based on you or your loved one’s personal wants, needs, required care, budget, and personality. Armed with a thorough understanding of your needs, they’re able to advocate on your behalf and deliver a rich, personalized experience. What’s more, your advisor’s job doesn’t stop once you’ve received a handful of recommendations; your Senior Living Advisor stays involved in your provider search until well after you’ve settled in.&nbsp;

Choosing a residence is one of the most important moves of your or loved ones’ life. With so many key factors to consider, this process takes time. Senior Living Advisors are happy to move as quickly or as slowly as you need them to. If you’re looking for a residence right away, their connections with care providers can expedite your move-in day, but if you’re just starting your journey– they’re happy to use those same relationships to book as many tours as you need. Your comfort and confidence is the foundation of a successful placement.

<a href="https://www.caredupon.ca/care-advisor/apply">Click here to match with a Cared Upon Senior Living Advisor today.&nbsp;</a> You'll be expertly matched with an advisor from our team with more than 35 years of senior care placement experience.

Each advisor will take the time to:&nbsp;<ol><li>Generate and understanding of your or your loved one's care needs</li><li>Explore a diverse array of options in your area and budget</li><li>Research and interview facilities nearby facilities on your behalf</li><li>Arrange in-person residence tours to experience their facilities and services</li><li>Work together to determine the perfect fit</li></ol>

Find Retirement Homes, Long-Term Care & Senior Health Services in Oshawa

A Guide to Retirement Care & Senior Living in Kawartha Lakes

A Guide to Retirement Care & Senior Living in Oshawa

Find The Support You Need With a Senior Living Advisor