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Long Term & Continuing Care Association of Manitoba
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Options for Seniors
Financial Considerations

Financial ConsiderationsDetermining the financial resources available is an important part of this process.

Costs vary depending on the accommodation and services. It is advisable to consult with a financial planner or other qualified advisor to help you determine what you can afford.

In 2017 we surveyed all the PCH members of LTCAM to gather the actual costs clients are paying based on their incomes. The results are in the table below.

According to our database, there are 6,000 Assisted Living suites in MB. If we compared the monthly cost of these suites with the services SH provides, the monthly cost would be higher than SH. Yet these buildings have high occupancies. Of the 550 assisted living suites who report to us regarding their vacancies, the vacancy rate is less than 1%. It’s clear the general public has the means to procure the services they need, in the majority of cases.

Is there a way to dispel this myth?

2017 costs

MYTH 1: Supportive Housing is too expensive

FACT 1: Personal Care Home costs are  based on the person's income. (The minimum daily charge is $34.50 per day or $1,050 per month. The Maximum daily cost is $80.60 or $2,452 per month.)  PCH Monthly cost: range $1,050 to $2,452 per month   Almost 50% of PCH Residents are paying between $1,248 and $2,452 per month.

FACT 1: Supportive Housing Monthly cost: range of $1,200 to $2,400 per month.

Supportive Housing Costs
We have provided an example of the average monthly costs associated with Supportive Housing. The chart that follows describes the average monthly cost of Supportive Housing. The calculator below will assist you in determining your current costs versus potential costs in a new living environment.

Supportive Housing Monthly Costs
Rent: $1,200 - $2,600
Household Expenses:
Water, gas, electricity, property taxes, repairs.
Phone/Cable: $85
Insurance: $10
Food: Included
Total Average Monthly Cost: $1,295 - $2,695

January 28, 2016

The cost of Supportive Housing will in the majority of cases, be offset by these credits:

Disability Tax Credit - Canada Revenue Agency

For information on the Disability Tax Credit and to find out who qualifies, please visit: www.cra-arc.gc.ca/disability

Primary Caregiver Tax Credit


This credit recognizes the vital support caregivers provide to those needing care. Manitoba’s Primary Caregiver Tax Credit provides a refundable credit of up to $1,400 a year to people who act as primary caregivers for spouses, relatives, neighbours or friends who live at home in Manitoba. For this tax credit, people requiring care must be assessed at Level 2 or higher under the Manitoba Home Care Program guidelines. They are assessed based on the amount and type of care required for tasks like bathing, dressing, eating meals, mobility and receiving medical care. Level 1 requires minimal care in most cases and is not eligible.

Caregivers may claim the tax credit for any number of care recipients up to a maximum $1,400 per year.

This credit is refundable and not income tested. This means you can claim it even if you do not have taxable income. The credit may defray your caregiver expenses such as shopping, transport, outings and respite.


Please use the calculator below to assist you in determining your average monthly cost.


Rent/Mortgage: $
Property Taxes: $
Home Insurance: $
Home Repairs: $
Periodic Capital Improvements: $
Water: $
Gas: $
Electricity: $
Cable: $
Phone: $
Food: $
Regular Maintenance: $
House Cleaning Services: $
Yard Services (snow, lawn): $
Parking: $
Security: $
Other: $
Other: $
Other: $
Total Average Monthly Cost: $0.00

Financial ConsiderationsIn Conclusion

Research your Options:
Visit our interactive map which lists our members' housing and care residences throughout the Province. You can review details for each of our members' residences to learn about the amenities and services available. Some locations include photos and/or Virtual Tours that can give you an even better sense of what is offered. You can also request additional information from the residences you are interested in by calling each one directly.

Visit your top candidates:
Schedule a visit to tour a residence of interest. In fact, we recommend visiting several. Go prepared with your list of questions and keep notes. By systematically evaluating your top candidates, you can compare how each matches the particular needs and expectations for your situation.

In conversations with the individuals involved and other family members, it helps to be open and honest about what is absolutely needed and what is open to compromise and negotiation. Once the needs are clearly defined based on considerations of health, safety, financial implications and social connections, you can decide the best way to maintain your preferred lifestyle.

If you are assisting someone in making this decision, remember to evaluate the options from their point of view, as well as your own. And if you are uncertain of anything, it may be best to seek the advice of a professional.

Supportive Housing in Manitoba