additional-resources

Retirement guide - B.C. 2022

A Guide to Retirement Care & Senior Living in B.C.

Home to great lakes and beautiful mountains, British Columbia is considered by many as an attractive province to retire in. It’s known for holding one of the highest worldwide rankings for quality of life and retirement based on categories such as environment, health care, and stability. When it comes to retirement, many also look to this province as it offers a diverse range of seasonal activities such as boating, hiking, biking, skiing, and fishing. Here at Cared Upon, we can help you find your perfect fit at a retirement community made for you in British Columbia.&nbsp;&nbsp;

From biking down the Stanley Park Seawall to morning walks along Long Beach in Tofino, British Columbia is home to various world-class outdoor activities. When it comes to retiring in British Columbia, many older adults choose to call it home for the endless retirement activities and support it offers for their senior population. For instance, those that enjoy travelling greatly benefit from living near tourist destinations that are accessible by ferry or a Greyhound bus ride, which are offered at discounted rates for seniors. Some of these popular destinations offer activities for retirees such as exploring Whistler village, walking the beaches in Tofino, wildlife-watching at a cruise in Victoria, and wine tasting at some of Kelowna's finest wineries. Retirees in B.C. may even enjoy fishing in the surrounding lakes, as seniors are offered a fishing licence at a heavily discounted rate.&nbsp;

While the climate is heavily affected by the Pacific Ocean and mountain ranges, B.C. has all four seasons to offer. With a large province like British Columbia, you can expect various climates from wet to dry throughout the different regions. For instance, the south coast offers residents a milder climate year-round, with warm summers and mild winters. However, in the north, you can expect colder and rainier seasons year-round.&nbsp;&nbsp;

Older adults residing in British Columbia have a number of options when it comes to retirement housing, from ageing in place to assisted living. Retirees in B.C. are entitled to care and support through either publicly subsidized care or private pay providers. Older adults that are eligible for publicly subsidized home services can access these services through health authorities and contracted providers once they have gone through a formal assessment to determine the type of care they need. On the other hand, individuals who wish to choose their desired care service can do so by accessing these services directly from a service provider. To search for a care service provider in B.C., visit the search portal on <a href="http://www.caredupon.ca/">caredupon.ca.&nbsp;</a>

The cost of retiring in British Columbia can vary depending on the city you reside in and the quality of care you wish to receive. For instance, the cost of assisted living in B.C. typically starts at $3000, but you may find subsidized options to fit your budget. Factors such as the type of healthcare needed, the lifestyle you wish to have, and how much money you’ll receive from investments and pensions will all impact the cost of your retirement plan. You can access the <a href="https://itools-ioutils.fcac-acfc.gc.ca/BP-PB/budget-planner">Canadian Government website</a> as they provide a useful budget planning tool to help set you up for your personal retirement goals.&nbsp;Government Funding&nbsp;When retiring in B.C., you may also access several financial resources funded by the Government to help you prepare and pay for your retirement. If eligible, you may access funding through Government programs such as the Canadian Pension Plan Retirement Pension (CPP), Guaranteed Income Supplement (GIS), Old Age Security Pension (OAS), and the Allowance for the Survivor benefit program. Additionally, low-income seniors residing in B.C. that are entitled to Old Age Security Pension (OAS) and Guaranteed Income Supplement (GIS) allowances can continue receiving these payments even when moved into a long-term care facility. For more information on Government contributions, visit our <a href="https://www.caredupon.ca/blog/paying-for-care/paying-for-care-in-canada-%7C-government-contributions">care blog</a>.&nbsp;

In the case that you do not meet the eligibility criteria for receiving Government funding, you have several options for post-retirement income sources.&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), your post-retirement income is dependent on the amount you put into these accounts when you first began saving and the interest you received.&nbsp;&nbsp;Investment accounts: You may prepare for retirement through more common forms of post-income sources using taxable investment accounts. These can include investments from accounts such as stocks and bonds.&nbsp;Employer-sponsored pension plans: Under an employer-sponsored pension plan, you and your employer can contribute money over the course of your employment. When you decide to retire, you can access the income directly saved from the plan.&nbsp;&nbsp;To learn more about your options for post-retirement income sources, 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;

Planning and supporting the health care of B.C.’s senior population is vital, as it is estimated that by 2029 approximately 30% of Canada’s seniors will be aged 75-84. Health care in B.C is ultimately managed by the Ministry of Health through a public health care system. Seniors residing in B.C. have access to various healthcare programs, such as HealthLink BC, PharmaCare, the Travel Assistance Program, and the Medical Services Plan.&nbsp;&nbsp;Medical Services Plan (MSP): To access health care, all B.C. residents are required to sign up through MSP. Through the <a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents">Medical Services Plan (MSP)</a>, British Columbians are insured for medically required services. Some of these medically required services include diagnostic procedures, laboratory services, physician and surgeon services, and approved dental and oral surgery services.&nbsp;&nbsp;The Fair PharmaCare plan: Eligible seniors residing in B.C. can receive coverage on prescription drugs and medical supplies through <a href="https://www2.gov.bc.ca/assets/gov/health/health-drug-coverage/pharmacare/fpc-senior-info.pdf#:~:text=Fair%20PharmaCare%20Information%20for%20Seniors%20The%20Fair%20PharmaCare,options%20for%20life%20situations%20that%20seniors%20often%20experience.">The Fair PharmaCare plan</a>, a health care plan that assists B.C. seniors with medical costs based on their personal income.&nbsp;HealthLink BC: <a href="https://www.healthlinkbc.ca/more/aging-well/seniors-health">HealthLink BC</a> provides British Columbians with 24/7 access to non-emergency health services and information in the province. Their information services cover the topics of health and health care, symptoms you are experiencing, and ways to manage healthy living.&nbsp;Travel Assistance Living: The <a href="https://www2.gov.bc.ca/gov/content/health/accessing-health-care/tap-bc/travel-assistance-program-tap-bc">Travel Assistance Program (TAP)</a> offers patients that require transportation to physician-referred, non-emergency services within the province when a specialist is not available in a community surrounding them. Transportation is offered at a discounted rate and is available to those who do not have travel expenses covered by insurance or other government programs.&nbsp;&nbsp;

For further information, you can visit and/or contact these sources:&nbsp;&nbsp;Fair PharmaCare: 604-683-7151 (Lower Mainland) or 1-800-663-7100 (Toll-free)&nbsp;&nbsp;HealthLink BC: non-emergency health information hotline 8-1-1 toll-free or for deaf/hard of hearing patients: 7-1-1&nbsp;Seniors Health Care Support Line: 1-877-952-3181&nbsp;<a href="http://www.seniorsbc.ca/">SeniorsBC</a> - A resource centre for all older adults residing in B.C.&nbsp;<a href="https://www2.gov.bc.ca/assets/gov/people/seniors/about-seniorsbc/guide/bc-seniors-guide-12th-edition.pdf">BC Seniors’ Guide</a> – Information guide to all things healthy lifestyle-related for seniors&nbsp;

Lifestyle & Activities

Weather and Climate

Housing options in British Columbia: Finding the Right Fit for you 

Cost of Retiring in British Columbia: Budgeting and Financing 

Post-retirement Income Sources

Access to Healthcare

Additional Resources

Cared Upon 9

I need support arranging care for myself or a loved one. Where do I start? 

Getting Started with Retirement Care

Arranging care for yourself or a loved one can seem complicated. &nbsp;To get started, there are four steps when arranging senior care services.&nbsp;

Arranging care for yourself or a loved one can seem complicated.To get started, there are four steps when arranging care services.&nbsp;1) Request for an assessment for services from a local home or community care office&nbsp;2) Prepare for your assessment or services&nbsp;3) Develop your unique care plan&nbsp;4) Begin your care services

When you or someone you know needs care, you can contact your local home or community care office to request an assessment for services. If you’re already working with a health care professional, including a doctor, nurse, pharmacist or social worker, they can make a referral for you.

Once your local home and community care office receives a request for assessment, either from yourself or a health care professional, you will be contacted. The health care professional from the local home or community care office will work with you to determine your eligibility for services and/or arrange for an assessment if it is necessary.  
If for any reason you or your loved one is not eligible for home and community care services or you do not require an assessment for services, you will receive a referral to other resources. 


An assessment for services with a health care professional is a meeting to talk about your current living situation and assess your unique health care needs.&nbsp;To prepare for your meeting, you will need to have:&nbsp;• Your health care card• Your family doctor and the best number to reach them at&nbsp;• A close relative or friend that the care services office can contact&nbsp;• Information about any prescription medications you are taking&nbsp;• Your pension cheque stubs&nbsp;• Your income tax return or notice of assessment&nbsp;The health care professional will also work with you to answer the following questions:&nbsp;• Am I eligible for care?&nbsp;• What services are needed to meet my unique health care needs and situation?&nbsp;• How long will I need care services for?&nbsp;• Will the services cost me anything? If so, how much will that be?&nbsp;It is important to remember that you and your loved one have the right to consent to care by your health authority. Make sure your questions are answered and explained so you have an understanding of the next steps ahead.&nbsp;To prepare further for your meeting, Cared Upon recommends you have:&nbsp;• A list of questions you have about home and community care services&nbsp;• Documents or any information that could be helpful to further assess your unique health care needs&nbsp;• A family member, close relative or friend to attend the meeting with you. It can be helpful to have an extra pair of ears to provide support or ask any questions you might miss.

Once it is determined that you are eligible for services, a health care professional will work with you to co-create a care plan that meet your unique health care needs. 
This plan will serve as a guide for everyone on your caregiving team. As your care situation evolves and changes, your care plan will be updated by the health care professional. 


The time it takes to begin your care services will depend on the urgency for the need of the particular care service. This will be determined by the health care professional during your assessment for services meeting. Many health care professionals use an “urgency criteria” to prioritize access to care services. The urgency criteria will vary depending on where you are located and whether you are accessing home or community care.&nbsp;Generally, this is based on:&nbsp;• Is there an urgency to access health care needs right now?&nbsp;• What is the current availability for home and community caregivers and support?&nbsp;• Is there a potential risk from abuse, neglect, or self-neglect that requires assistance in managing your day-to-day needs?

Getting Started

1.  Request an assessment for services from a local home or community care office 

2.  Prepare for your assessment of services 

3.  Develop your unique care plan

4.  Begin your care services

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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>

Choosing a Retirement Residence with Confidence

Senior Living Advisors Have Been Here Before

Relationships First, Placements Second

No Rush 

Connect with a Senior Care Advisor on CaredUpon.ca

What You Can Expect From Cared Upon's Senior Living Advisors 

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What are the Care Options Available for Me? 

There are a number of care options available for seniors. &nbsp;Read on to learn what they are and find out which one may be right for you

There is a spectrum of care options available depending on your unique health care needs. These include:&nbsp;

Active Adult Living are often gated or planned communities, that are built to provide you with the utmost flexibility. You may choose this living option if you are comfortable with living on your own. These communities allow you to choose to live with people around the same age and those who have the same interests as you. When you choose active adult living, you choose a community with on-site services and amenities such as 24-hour security, golf courses, art classes, recreation centres, gyms and fitness classes, spas, lawn bowling, and tennis courts. When you live in active adult living communities, you also don’t have to worry about maintaining you living space such as mowing your lawn or clearing your driveway.  

Independent Living allows you to live with people around the same age and interests in a care-free and stress-free community. This option is for you if you are comfortable with living on your own, have good physical health, and have good cognitive health, but would like extra assistance with tasks around your living space such as with cooking, laundry and in-home maintenance. Often, independent living communities offer recreational programs similar to active adult living communities as well.  

Home Care allows you to stay in the comfort of your own home and get the day-to-day assistance you may need. This is ideal if you have some physical or cognitive health limitations. The type of assistance will depend on your needs including medication assistance, transportation, and cooking. Other services could include respite care and palliative care. Sometimes, these services are eligible through your home or community care providers. 

Assisted Living homes are sometimes referred to as personal care homes or assisted care communities. This option is ideal if you are still able to live independently but have some physical or cognitive health limitations. In assisted living communities, you have on-site daily support including personal care, mobility and transportation, cooking, and medication assistance. Care in these facilities are tailored to meet your unique needs. Often, assisted living communities will also offer social, cultural, recreational and educational activities. 

Long-Term Care allows you to have all-inclusive 24-hour assistance including personal care, hygiene, mobilit, and transportation, and medication assistance. This is an option if you have physical or cognitive health limitations such as Alzheimer’s or dementia. Often, you will be assessed by a social service agency for long-term care services. Depending on where you live, long-term care is usually covered by the Ministry of Health.  

Respite Care offers you short-term care that can range from 24-hours to 90 days, depending on your unique health needs and living situation. These services are offered in-home or at retirement homes. This is for you if you have any physical or cognitive health limitations. The respite care services offered include personal care, hygiene, mobility and transportation, and medication assistance. Often, it is recommended by your home or community care office. 

Convalescent Care allows you to be cared for after surgery such as knee or hip surgery. This is a short-term care service similar to respite care that is offered in retirement homes. Convalescent care offers 24-hour care in cases of emergencies and routine doctor check-ups. Sometimes, retirement homes offering convalescent care have amenities and services to help with your recovery including pools, spas, gyms, and physiotherapy. 

Palliative Care allows you to have the right care if you are experiencing a terminal, serious illness. It is also referred to as comfort care, end-of-life care or hospice care. This can be offered in retirement homes or in-home. If you choose palliative care in retirement homes, there may be other services available such as spas and physiotherapy. 

Care Options

Adult Active Living

Independent Living

Home Care

Assisted Living

Long Term Care

Respite Care

Palliative Care 

100 Mile House

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A Guide to Retirement Care & Senior Living in Abbotsford

Known as the berry capital of Canada, Abbotsford is a rural, farm city boasting various parks, farms, breweries, and hiking trails. Residents and tourists of the city have a wide range of seasonal activities available to them, such as shopping at boutiques and malls, golfing at golf courses, visiting breweries, dining at cafes and restaurants, and visiting local farms. As Abbotsford has a unique collection of resources and facilities, there are numerous opportunities for seniors to keep active and engaged after retirement. If retiring in Abbotsford sounds like the right fit for you, <a href="https://www.caredupon.ca/">Cared Upon</a> can help you go through your options for retirement communities in the city.&nbsp;

Abbotsford has a diverse set of leisure activities to offer, ranging from horseback riding to watching hockey games, and senior-friendly outdoor activities such as golf. Retirees who prefer being outside in nature can find themselves spending their days golfing at the Ledgview Golf Club, a popular golf course with scenic views of the mountains and a fine selection of food and beverages offered to players. You can also find an array of picturesque wineries to visit during the summertime, such as the Maan Farms Estate Winery and the Singletree Winery, to enjoy winetastings and beautiful views. The Highstreet Shopping Centre, an open-air shopping centre, is also a popular attraction for many locals as it boasts various shopping options, dining options, and even entertainment options such as VIP theatres to check out.&nbsp;

Abbotsford has a warm and temperate climate, with freezing, wet, and cold winters, and warm, comfortable summers. You can expect to see a significant amount of rainfall in the city annually, as well as partly cloudy weather. The average summertime temperature in Abbotsford sits at around 21-24°C (69.8-75.2°F). During the wintertime, you can find an average low temperature of 0°C and an average high of 9°C (32-48.2°F).&nbsp;&nbsp;

Older adults residing in Vancouver have a number of options when it comes to retirement housing, from ageing in place to assisted living. Retirees in Vancouver are entitled to care and support through either publicly subsidized care or private pay providers. Older adults that are eligible for publicly subsidized home services can access these services through health authorities and contracted providers once they have gone through a formal assessment to determine the type of care they need. On the other hand, individuals who wish to choose their desired care service can do so by accessing these services directly from a service provider. To search for a care service provider in Vancouver, visit the search portal on <a href="http://www.caredupon.ca/">caredupon.ca.&nbsp;</a>

The cost of retiring in Vancouver can vary depending on the quality of care you wish to receive. For instance, the cost of assisted living in Vancouver typically starts at $3000, but you may find subsidized options to fit your budget. Factors such as the type of healthcare needed, the lifestyle you wish to have, and how much money you’ll receive from investments and pensions will all impact the cost of your retirement plan. You can access the <a href="https://itools-ioutils.fcac-acfc.gc.ca/BP-PB/budget-planner">Canadian Government website</a> as they provide a useful budget planning tool to help set you up for your personal retirement goals.&nbsp;Government Funding&nbsp;When retiring in Vancouver, you may also access several financial resources funded by the Government to help you prepare and pay for your retirement. If eligible, you may access funding through Government programs such as the Canadian Pension Plan Retirement Pension (CPP), Guaranteed Income Supplement (GIS), Old Age Security Pension (OAS), and the Allowance for the Survivor benefit program. Additionally, low-income seniors residing in B.C. that are entitled to Old Age Security Pension (OAS) and Guaranteed Income Supplement (GIS) allowances can continue receiving these payments even when moved into a long-term care facility. For more information on Government contributions, visit our <a href="https://www.caredupon.ca/blog/paying-for-care/paying-for-care-in-canada-%7C-government-contributions">care blog</a>.&nbsp;

Planning and supporting the health care of Canada's senior population is vital, as it is estimated that by 2029 approximately 30% of Canada’s seniors will be aged 75-84. Health care in Vancouver is ultimately managed by the Ministry of Health through a public health care system. Seniors residing in Vancouver have access to various healthcare programs, such as HealthLink BC, PharmaCare, the Travel Assistance Program, and the Medical Services Plan.&nbsp;&nbsp;Medical Services Plan (MSP): To access health care, all Vancouver residents are required to sign up through MSP. Through the <a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents">Medical Services Plan (MSP)</a>, British Columbians are insured for medically required services. Some of these medically required services include diagnostic procedures, laboratory services, physician and surgeon services, and approved dental and oral surgery services.&nbsp;&nbsp;The Fair PharmaCare plan: Eligible seniors residing in Vancouver. can receive coverage on prescription drugs and medical supplies through <a href="https://www2.gov.bc.ca/assets/gov/health/health-drug-coverage/pharmacare/fpc-senior-info.pdf#:~:text=Fair%20PharmaCare%20Information%20for%20Seniors%20The%20Fair%20PharmaCare,options%20for%20life%20situations%20that%20seniors%20often%20experience.">The Fair PharmaCare plan</a>, a health care plan that assists Vancouver seniors with medical costs based on their personal income.&nbsp;HealthLink BC: <a href="https://www.healthlinkbc.ca/more/aging-well/seniors-health">HealthLink BC</a> provides Vancouver citizens with 24/7 access to non-emergency health services and information in the province. Their information services cover the topics of health and health care, symptoms you are experiencing, and ways to manage healthy living.&nbsp;Travel Assistance Living: The <a href="https://www2.gov.bc.ca/gov/content/health/accessing-health-care/tap-bc/travel-assistance-program-tap-bc">Travel Assistance Program (TAP)</a> offers patients that require transportation to physician-referred, non-emergency services within the province when a specialist is not available in the community surrounding them. Transportation is offered at a discounted rate and is available to those who do not have travel expenses covered by insurance or other government programs.&nbsp;&nbsp;

Lifestyle & Activities 

Weather and Climate 

Housing options in Abbotsford: Finding the Right Fit for you

Cost of Retiring in Vancouver: Budgeting and Financing

Abbotsford

Agassiz

Aldergrove

Alert Bay

Armstrong

Ashcroft

Barriere

Bella Bella

Birchview Resi

Brentwood Bay

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A Guide to Retirement Care & Senior Living in Burnaby

Burnaby is located in the Lower Mainland of British Columbia, just thirty minutes away from the core of the city of Vancouver. Burnaby is one of Metro Vancouver’s most topographically diverse municipalities, bordered by the Fraser River on the southside and on the northside by the Burrard Inlet. Burnaby is known for its great shopping and restaurants, excellent family-friendly communities, and beautiful outdoor spaces. No matter your preferences when it comes to deciding on a retirement community, let <a href="https://www.caredupon.ca/">Cared Upon</a> help you find a community in Burnaby to suit your needs.&nbsp;

Older adults can enjoy walking, running, or biking in any of Burnaby’s wonderful urban parks. The Burnaby Lake 10 km loop, or Deer Lake’s 5 km loop are popular outdoor paths enjoyed by residents of all ages and fitness levels. Central Park is also popular for walking, biking, or playing tennis at the numerous available courts. Burnaby is also home to two world-class shopping centers– Brentwood Town Centre and Metrotown, with Metrotown being the largest mall in the province with over 400 stores. For an excellent cultural experience, consider stopping by The Burnaby Village Heritage Museum. The costumed staff in this 1920s-themed village make learning about the history of the area a ton of fun.&nbsp;

Burnaby summers are short and comfortable, while the winters are cold, wet, and cloudy. Over the course of the year, the daily temperature typically varies from 1°C (33.8 F) to 24°C (75.2°F) and rarely falls below -6°C (21.2°F) or rises above 29°C (84.2°F). It rains year-round in Burnaby, with the rainiest month being November with an average rainfall of 259 millimeters.&nbsp;

Older adults residing in British Columbia have a number of options when it comes to retirement housing, from ageing in place to assisted living. Retirees in B.C. are entitled to care and support through either publicly subsidized care or private pay providers. Older adults that are eligible for publicly subsidized home services can access these services through health authorities and contracted providers once they have gone through a formal assessment to determine the type of care they need. On the other hand, individuals who wish to choose their desired care service can do so by accessing these services directly from a service provider. To search for a care service provider in B.C., visit the search portal on <a href="http://www.caredupon.ca/">caredupon.ca.</a>&nbsp;

The cost of retiring in British Columbia can vary depending on the city you reside in and the quality of care you wish to receive. For instance, the cost of assisted living in B.C. typically starts at $3000, but you may find subsidized options to fit your budget. Factors such as the type of healthcare needed, the lifestyle you wish to have, and how much money you’ll receive from investments and pensions will all impact the cost of your retirement plan. You can access the <a href="https://itools-ioutils.fcac-acfc.gc.ca/BP-PB/budget-planner">Canadian Government website</a> as they provide a useful budget planning tool to help set you up for your personal retirement goals.&nbsp;&nbsp;Government Funding&nbsp;&nbsp;When retiring in B.C., you may also access several financial resources funded by the Government to help you prepare and pay for your retirement. If eligible, you may access funding through Government programs such as the Canadian Pension Plan Retirement Pension (CPP), Guaranteed Income Supplement (GIS), Old Age Security Pension (OAS), and the Allowance for the Survivor benefit program. Additionally, low-income seniors residing in B.C. that are entitled to Old Age Security Pension (OAS) and Guaranteed Income Supplement (GIS) allowances can continue receiving these payments even when moved into a long-term care facility. For more information on Government contributions, visit our <a href="https://www.caredupon.ca/blog/paying-for-care/paying-for-care-in-canada-%7C-government-contributions">care blog</a>.&nbsp;

In the case that you do not meet the eligibility criteria for receiving Government funding, you have several options for post-retirement income sources.&nbsp;&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), your post-retirement income is dependent on the amount you put into these accounts when you first began saving and the interest you received.&nbsp; &nbsp;Investment accounts: You may prepare for retirement through more common forms of post-income sources using taxable investment accounts. These can include investments from accounts such as stocks and bonds.&nbsp;&nbsp;Employer-sponsored pension plans: Under an employer-sponsored pension plan, you and your employer can contribute money over the course of your employment. When you decide to retire, you can access the income directly saved from the plan.&nbsp; &nbsp;To learn more about your options for post-retirement income sources, 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; &nbsp;

Planning and supporting the health care of B.C.’s senior population is vital, as it is estimated that by 2029 approximately 30% of Canada’s seniors will be aged 75-84. Health care in B.C is ultimately managed by the Ministry of Health through a public health care system. Seniors residing in B.C. have access to various healthcare programs, such as HealthLink BC, PharmaCare, the Travel Assistance Program, and the Medical Services Plan.&nbsp; &nbsp;Medical Services Plan (MSP): To access health care, all B.C. residents are required to sign up through MSP. Through the <a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents">Medical Services Plan (MSP)</a>, British Columbians are insured for medically required services. Some of these medically required services include diagnostic procedures, laboratory services, physician and surgeon services, and approved dental and oral surgery services.&nbsp; &nbsp;The Fair PharmaCare plan: Eligible seniors residing in B.C. can receive coverage on prescription drugs and medical supplies through <a href="https://www2.gov.bc.ca/assets/gov/health/health-drug-coverage/pharmacare/fpc-senior-info.pdf#:~:text=Fair%20PharmaCare%20Information%20for%20Seniors%20The%20Fair%20PharmaCare,options%20for%20life%20situations%20that%20seniors%20often%20experience.">The Fair PharmaCare plan</a>, a health care plan that assists B.C. seniors with medical costs based on their personal income.&nbsp;&nbsp;HealthLink BC: <a href="https://www.healthlinkbc.ca/more/aging-well/seniors-health">HealthLink BC</a> provides British Columbians with 24/7 access to non-emergency health services and information in the province. Their information services cover the topics of health and health care, symptoms you are experiencing, and ways to manage healthy living.&nbsp;&nbsp;Travel Assistance Living: The <a href="https://www2.gov.bc.ca/gov/content/health/accessing-health-care/tap-bc/travel-assistance-program-tap-bc">Travel Assistance Program (TAP)</a> offers patients that require transportation to physician-referred, non-emergency services within the province when a specialist is not available in a community surrounding them. Transportation is offered at a discounted rate and is available to those who do not have travel expenses covered by insurance or other government programs.&nbsp; &nbsp;

For further information, you can visit and/or contact these sources:&nbsp; &nbsp;Fair PharmaCare: 604-683-7151 (Lower Mainland) or 1-800-663-7100 (Toll-free)&nbsp;&nbsp;&nbsp;HealthLink BC: non-emergency health information hotline 8-1-1 toll-free or for deaf/hard of hearing patients: 7-1-1&nbsp;&nbsp;Seniors Health Care Support Line: 1-877-952-3181&nbsp;&nbsp;<a href="http://www.seniorsbc.ca/">SeniorsBC</a> - A resource centre for all older adults residing in B.C.&nbsp;&nbsp;<a href="https://www2.gov.bc.ca/assets/gov/people/seniors/about-seniorsbc/guide/bc-seniors-guide-12th-edition.pdf">BC Seniors’ Guide</a> – Information guide to all things healthy lifestyle-related for seniors&nbsp;

Weather & Climate 

Housing Options in British Columbia: Finding the Right Fit for You 

Post-Retirement Income Sources 

Access to Healthcare 

Additional Resources 

Burnaby

Burns Lake

Campbell River

Castlegar

Chase

Chemainus

Chetwynd

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A Guide to Retirement Care & Senior Living in Chilliwack

Chilliwack offers seniors a comfortable retirement with high-quality healthcare, excellent recreational opportunities, and a beautiful environment. Ideal for seniors looking to explore outdoor spaces, with a variety of parks and lakes, trails, art and cultural centres, and parks, many seniors are drawn to the city as it offers a unique set of opportunities for staying active and engaged after retirement. If you’re considering retirement in Chilliwack, let <a href="https://www.caredupon.ca/">Cared Upon</a> help you find a senior retirement community that's right for you.&nbsp;&nbsp;

As Chilliwack is iconic for its captivating outdoor spaces, seniors retiring in the city can find a wide variety of parks, lakes, rivers, cycling paths, and hiking trails to explore. Cultus Lake is a popular lake that many locals go to for boating, swimming, canoeing, hiking, and fishing, as the lake and park offer access to scenic walking trails and lake views. Retirees that enjoy golfing can also find a variety of golf courses to explore, such as Chilliwack Golf Club, Bridal Falls Golf Club, and The Falls Golf Club, offering picturesque views of the water bodies and mountains. Older adults looking to wind down and get minimal walking in can find various local art and history centres in the city, such as the Chilliwack Cultural Centre, the Chilliwack Museum and Archives, and the Stó:lō Resource Centre, to visit and explore the diverse art collections offered.&nbsp;

Chilliwack is known to have comfortably warm summers with cold, wet, and cloudy winters. The city sees a fair amount of overcast and rainfall annually. You can expect average temperatures during the winter to range anywhere from -2°C to 5°C (28.4°F-41°F). During the summertime, average summer temperatures can range from 17-25°C (62.6-77°F).&nbsp;&nbsp;

Planning and supporting the health care of B.C.’s senior population is vital, as it is estimated that by 2029 approximately 30% of Canada’s seniors will be aged 75-84. Health care in B.C is ultimately managed by the Ministry of Health through a public health care system. Seniors residing in B.C. have access to various healthcare programs, such as HealthLink BC, PharmaCare, the Travel Assistance Program, and the Medical Services Plan.&nbsp;&nbsp;Medical Services Plan (MSP): To access health care, all B.C. residents are required to sign up through MSP. Through the <a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents">Medical Services Plan (MSP)</a>, British Columbians are insured for medically required services. Some of these medically required services include diagnostic procedures, laboratory services, physician and surgeon services, and approved dental and oral surgery services.&nbsp;&nbsp;The Fair PharmaCare plan: Eligible seniors residing in B.C. can receive coverage on prescription drugs and medical supplies through <a href="https://www2.gov.bc.ca/assets/gov/health/health-drug-coverage/pharmacare/fpc-senior-info.pdf#:~:text=Fair%20PharmaCare%20Information%20for%20Seniors%20The%20Fair%20PharmaCare,options%20for%20life%20situations%20that%20seniors%20often%20experience.">The Fair PharmaCare plan</a>, a health care plan that assists B.C. seniors with medical costs based on their personal income.&nbsp;HealthLink BC: <a href="https://www.healthlinkbc.ca/more/aging-well/seniors-health">HealthLink BC</a> provides British Columbians with 24/7 access to non-emergency health services and information in the province. Their information services cover the topics of health and health care, symptoms you are experiencing, and ways to manage healthy living.&nbsp;Travel Assistance Living: The <a href="https://www2.gov.bc.ca/gov/content/health/accessing-health-care/tap-bc/travel-assistance-program-tap-bc">Travel Assistance Program (TAP)</a> offers patients that require transportation to physician-referred, non-emergency services within the province when a specialist is not available in the community surrounding them. Transportation is offered at a discounted rate and is available to those who do not have travel expenses covered by insurance or other government programs.&nbsp;&nbsp;

Housing options in Chilliwack: Finding the Right Fit for you

Cost of Retiring in Chilliwack: Budgeting and Financing

Chilliwack

Christina Lake

Cloverdale

Cobble Hill

Coldstream

Colwood

Comox

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A Guide to Retirement Care & Senior Living in Coquitlam

The vibrant city of Coquitlam is iconic for its endless outdoor spaces and offers seniors a compelling retirement with a high quality of life, quality healthcare, and an entertaining lifestyle. With a variety of parks and lakes, multicultural dining experiences, and senior-friendly community centres, many seniors are drawn to the city as it offers a unique set of opportunities for staying active and engaged after retirement. Whether you're looking for a retirement community in Coquitlam’s city centre or one in the suburbs, <a href="https://www.caredupon.ca/">Cared Upon</a> is here to help you find one that's right for you.&nbsp;

As Coquitlam is notorious for its captivating outdoor spaces, seniors retiring in the city can find a wide variety of parks, lakes, rivers, cycling paths, and hiking trails to explore. The Westwood Plateau Trail is a popular trail that locals walk along to find scenic forest views while getting exercise in. Lafarge Lake is also a popular attraction found in central Coquitlam, with access to a scenic walking trail, lake views, food trucks, and occasional festivals held in the park. Retirees that enjoy golfing can also find themselves spending the day golfing at The Westwood Plateau Golf Course, a popular golf course offering picturesque views of the mountains along with a restaurant.&nbsp;&nbsp;&nbsp;Older adults looking to wind down and get minimal walking in can walk along Glen street to find various local cafes and markets to visit in the city, including Popparoti and Cafe Delitzi. Seniors looking to meet like-minded older folks in the community can also visit local senior activity centres, which provide activities such as yoga, skating, dance, painting, and swimming.&nbsp;&nbsp;

Coquitlam is known to have comfortably warm summers with cold and wet winters. The city sees a fair amount of sunshine near spring and summer, with winters that see a fair amount of snow and snowstorms. You can expect average temperatures during the winter to range sit at 4°C (39.2°F). During the summertime, you’ll find average temperatures to sit at ranging from 17-25°C (62.6-77°F).&nbsp;&nbsp;&nbsp;

Housing options in Coquitlam: Finding the Right Fit for you

Cost of Retiring in Coquitlam: Budgeting and Financing

Coquitlam

Courtenay

Cranbrook

Creston

Cumberland

Dawson Creek

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A Guide to Retirement Care & Senior Living in Delta

Nestled between the cities of Richmond, New Westminster, Surrey, the Boundary Bay, and the Strait of Georgia in British Columbia’s Lower Mainland, Delta has developed a strong, diverse sense of community and culture. No matter your preferences when it comes to deciding on a retirement community, let <a href="https://www.caredupon.ca/">Cared Upon</a> help you find a community in Calgary that suits your needs.&nbsp;&nbsp;

For cycling enthusiasts, Delta's unique and varying terrain has made it home to the Tour de Delta race, which has grown into Canada's largest cycling event, held annually in July as part of BC Superweek. The Delta Triathlon is also a very popular event, selling out each year in April, where more than 500 participants take part.&nbsp;If spectating endurance sports is not your kick, Delta is also home to a variety of outdoor hiking, biking or walking areas like the Burns Bog, Deas Island Regional Park, Boundary Bay Regional Park, North Delta Watershed Park, Ladner Harbour Park, Millennium Trail and Wellington Point Park. You may also consider taking an afternoon to birdwatch at George C. Reifel Migratory Bird Sanctuary.

Delta is known for its relatively dry and sunny climate compared with other locations in Metro Vancouver. In Delta, the summers are comfortable and partly cloudy, and the winters are cold, wet, and cloudy. Over the course of the year, the temperature typically varies from 0°C (32°F) to 24°C (75.2°F) and is rarely below -6°C (21.2°F) or above 29°C (84.2°F).&nbsp;

Lifestyle and Activities 

Delta

Duncan

Dunrovin

Enderby

Esquimalt

Fernie

Fort Nelson

Fort St. John

Fraser Lake

Fruitvale

Gibsons

Golden

Grand Forks

Granisle

Hazelton

Hope

Hospice House

Houston

Invermere

Kamloops

A Guide to Retirement Care & Senior Living in Kelowna

Home to world-class vineyards, great lakes, and ski resorts Kelowna offers a vibrant and diverse lifestyle to those living there, year-round. When it comes to retirement and senior living in Kelowna, active older adults who enjoy the outdoors are not only drawn to the city for its lofty mountains, lakes, parks, farmers' markets, and wineries, but also for its all-around high quality of life. If retiring in Kelowna sounds like the right fit for you, whether it is a retirement home by the lakefront or right in the city centre, <a href="https://www.caredupon.ca/">Cared Upon</a> is here to help.&nbsp;&nbsp;

Retirees settling down in Kelowna can find a range of outdoor activities to do, such as golfing, swimming, boating, fishing, and hiking. During the summer, retirees in Kelowna enjoy spending their time relaxing at one of the many beaches (such as Hot Sands Beach and Boyce-Gyro Beach), boating at Okanagan Lake, or even wildlife seeing at one of the many parks. Known for their award-winning wine, you can also find yourself walking through vineyards and orchards at one of the many wineries the city has to offer. During the winter, popular attractions include visiting the popular ski resort Big White, snowshoeing, or exploring the village.&nbsp;&nbsp;

Kelowna's climate is warm and temperate, as the city is known to have summer weather that is warm and low in humidity, with a milder and freezing winter. You can expect average temperatures in the wintertime to range anywhere from -6°C to 4°C (22-39°F), with occasional cold spells that can reach up to -23°C (-9°F). Summertime in Kelowna is drier, with average temperatures ranging from 13-28°C (55-82°F).&nbsp;&nbsp;

Older adults residing in Kelowna have a number of options when it comes to retirement housing, from ageing in place to assisted living. Retirees in B.C. are entitled to care and support through either publicly subsidized care or private pay providers. Older adults that are eligible for publicly subsidized home services can access these services through health authorities and contracted providers once they have gone through a formal assessment to determine the type of care they need. On the other hand, individuals who wish to choose their desired care service can do so by accessing these services directly from a service provider. To search for a care service provider in Kelowna, visit the search portal on <a href="http://www.caredupon.ca/">caredupon.ca.&nbsp;</a>

The cost of retiring in Kelowna can vary depending on the city you reside in and the quality of care you wish to receive. For instance, the cost of assisted living in B.C. typically starts at $3000, but you may find subsidized options to fit your budget. Factors such as the type of healthcare needed, the lifestyle you wish to have, and how much money you’ll receive from investments and pensions will all impact the cost of your retirement plan. You can access the <a href="https://itools-ioutils.fcac-acfc.gc.ca/BP-PB/budget-planner">Canadian Government website</a> as they provide a useful budget planning tool to help set you up for your personal retirement goals.&nbsp;Government Funding&nbsp;When retiring in Kelowna, you may also access several financial resources funded by the Government to help you prepare and pay for your retirement. If eligible, you may access funding through Government programs such as the Canadian Pension Plan Retirement Pension (CPP), Guaranteed Income Supplement (GIS), Old Age Security Pension (OAS), and the Allowance for the Survivor benefit program. Additionally, low-income seniors residing in B.C. that are entitled to Old Age Security Pension (OAS) and Guaranteed Income Supplement (GIS) allowances can continue receiving these payments even when moved into a long-term care facility. For more information on Government contributions, visit our <a href="https://www.caredupon.ca/blog/paying-for-care/paying-for-care-in-canada-%7C-government-contributions">care blog</a>.&nbsp;

Planning and supporting the health care of B.C.’s senior population is vital, as it is estimated that by 2029 approximately 30% of Canada’s seniors will be aged 75-84. Health care in B.C. is ultimately managed by the Ministry of Health through a public health care system. Seniors residing in B.C. have access to various healthcare programs, such as HealthLink BC, PharmaCare, the Travel Assistance Program, and the Medical Services Plan.&nbsp;&nbsp;Medical Services Plan (MSP): To access health care, all B.C. residents are required to sign up through MSP. Through the <a href="https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents">Medical Services Plan (MSP)</a>, British Columbians are insured for medically required services. Some of these medically required services include diagnostic procedures, laboratory services, physician and surgeon services, and approved dental and oral surgery services.&nbsp;&nbsp;The Fair PharmaCare plan: Eligible seniors residing in B.C. can receive coverage on prescription drugs and medical supplies through <a href="https://www2.gov.bc.ca/assets/gov/health/health-drug-coverage/pharmacare/fpc-senior-info.pdf#:~:text=Fair%20PharmaCare%20Information%20for%20Seniors%20The%20Fair%20PharmaCare,options%20for%20life%20situations%20that%20seniors%20often%20experience.">The Fair PharmaCare plan</a>, a health care plan that assists B.C. seniors with medical costs based on their personal income.&nbsp;HealthLink BC: <a href="https://www.healthlinkbc.ca/more/aging-well/seniors-health">HealthLink BC</a> provides British Columbians with 24/7 access to non-emergency health services and information in the province. Their information services cover the topics of health and health care, symptoms you are experiencing, and ways to manage healthy living.&nbsp;Travel Assistance Living: The <a href="https://www2.gov.bc.ca/gov/content/health/accessing-health-care/tap-bc/travel-assistance-program-tap-bc">Travel Assistance Program (TAP)</a> offers patients that require transportation to physician-referred, non-emergency services within the province when a specialist is not available in a community surrounding them. Transportation is offered at a discounted rate and is available to those who do not have travel expenses covered by insurance or other government programs.&nbsp;&nbsp;

Housing options in Kelowna: Finding the Right Fit for you

Cost of Retiring in Kelowna: Budgeting and Financing

Kelowna

Keremeos

Kimberley

Kitimat

Ladysmith

Lake Country

Langford

Langley

Lillooet

Lumby

Lytton

Mackenzie

Maple Ridge

Masset

McBride

Merritt

Midway

Mission

Mountain

Nakusp

Nanaimo

Nelson

New Denver

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A Guide to Senior Living in New Westminster

Many find New Westminster as a comfortable place for retirement, thanks to its excellent healthcare, recreational opportunities, and beautiful landscapes. With its many parks, art and cultural facilities, markets, and restaurants many senior citizens are drawn to the city because it offers opportunities for staying active and engaged after retirement. If you’re considering retirement in New Westminster, let<a href="https://www.caredupon.ca/"> Cared Upon</a> help you locate a senior retirement community that's the right fit for you.&nbsp;&nbsp;

New Westminster is iconic for its captivating outdoor spaces, unique dining experiences, and shopping destinations. Residents in the city will find a variety of top-rated restaurants to choose and dine from, including Greek, Italian, and Indian cuisine. The city is also home to a wide variety of parks, where seniors who enjoy being active can find themselves cycling, hiking, or walking along the waterfront. Quayside Park is one of the many popular parks that locals choose to go to explore and wander along the waterfront for a scenic lake and nature view.&nbsp;&nbsp;

New Westminster has a warm and temperate climate and is known to have comfortably warm summers with cold, wet, and cloudy winters. The city also sees a fair amount of overcast, as well as rainfall, annually. You can expect average temperatures during the winter to range anywhere from 0°C to 6°C (32°F-42.8°F). During the summertime, average summer temperatures can range from 21-25°C (69.8-77°F).&nbsp; &nbsp;

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

A Guide to Retirement Care & Senior Living in B.C.

A Guide to Retirement Care & Senior Living in Victoria

A Guide to Retirement Care & Senior Living in Kelowna

A Guide to Retirement Care & Senior Living in Vancouver

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