A Guide to Retirement Care & Senior Living in Windsor

Windsor is a fun, lively city, and you’ll never be far from something to do or see. Windsor is filled with greenspace and home to more than 209 parks throughout the city. Windsor’s crown jewel is its waterfront- which hosts a beautiful 5 km walkway and connected trails. Downtown Windsor is only a ten-minute drive to Detroit meaning you’ll get to experience the culture of both Canada and America at the same time. Despite getting twice the amount of choice with another city so nearby, the cost of living is surprisingly much more affordable than other Canadian cities.  With so much vibrancy, and options for easy international travel, Cared Upon is excited to help you find your perfect retirement community in Windsor. 

Windsor is full of things to do; pop over to Little Italy or the Hiram Walker Distillery for a delicious meal, have a glamorous night at the Caesars Windsor Casino or the Capitol Theatre, or plan for a beautiful day at the Art Gallery of Windsor or the Windsor Light Music Theater. Once you’re ready for a breath of fresh air, consider a leisurely hike through Ojibway Park, the Adventure Bay Water Park, or through Coventry Gardens.  

Every summer Windsor hosts a variety of festivals around the city, most notably the Windsor-Detroit International Freedom Festival. This festival combines all the fun of Canada Day (July 1st) and the Fourth of July into one of the biggest events of the year. 

Windsor summers are warm, and the winters are freezing, snowy, and windy with partial cloud coverage year-round. Over the course of the year, the temperature typically varies from -7°C (59.4°F) to 28°C (59.4°F) and is rarely below -15°C (59.4°F) or above 32°C (59.4°F). Summer temperatures from the end of May to mid-September hover around 22°C (59.4°F), while average winter temperatures are below 5°C (59.4°F). Rain is more common than snow for Windsor, with a greater than 26% chance of precipitation on any given day from March to October. 

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.  

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 GGFL website. 

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.   

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.  

Government Funding  

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 care blog. 

For seniors not eligible or looking for government funding, there are several different ways they can look to fund their retirement.   

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.  

Investment accounts: Taxable investment accounts, such as stocks and bonds, is a more common form of saving up for a post-retirement income source.   

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.  

To learn more about your post-retirement income source options, visit our resource centre. 

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 Ontario Ministry of Health website.  

For further information, you can visit and/or contact these sources:  

Ontario Senior Living Guide: A comprehensive guide to all things senior living and program-related in Ontario.  

Telehealth Ontario: Call 1-866-797-0000 Toll-free to get access to a confidential health information line.