HomeCare Assistance Insurance Canada.

“Who is going to take care of you when you can no longer take care of yourself and where is the money going to come from?”.

HomeCare Assistance Insurance Canada

Private & Affordable, No Medical Exam 

HomeCare Assistance Insurance.

For retirees and those planning retirement. Your care, Your way!

Your Care Homecare Assistance

Sample Monthly Cost** for Lifetime Coverage. Choose between $50,000 & $100,000


































  • Premiums are based on actual age**
  • Plan is available for purchase up to age 80**
  • Plan cannot be cancelled by the insurance company**
  • Premiums may be subject to change but are designed to remain the same based on age at purchase**
Customers served! 93 Homecare Assistance Plans Issued Across Canada & counting!

Will you be relying on the government for your future care?

You are a recipient of care. This means you have no control over who treats you, when you receive care or what services are provided.

You may not picture yourself going into a long term care facility or ever needing help. Reality is, 75% of adults over 65 will at some point in retirement need substantial assistance or supervision to perform 2 out of 6 of the activities of daily living. 99/100 times it's bathing and dressing. Perhaps you develop a cognitive issue like Alzheimer's. Is it worth the risk to not know who will care for you?

Are You Thinking of Self-Funding Your Future Healthcare Needs?

3 reasons to consider a private homecare assistance plan:

Tax-Free Dollars

When you make a claim you get $100,000 tax-free. If you self-fund using your RRSP or other savings, to get the same $100,000, you will need about $250,000 to $300,000 before taxes. This is a wealth preservation tool


Your money goes directly to the services you use dollar for dollar. If you self-fund you depend on your family/friends and they may misuse their Power of Attorney or not use your funds exactly as you desire.


Losing the ability to care for yourself is sudden and unexpected. Not just for you but your family especially without a plan. Buy yourself time to plan for the future without putting a burden on your family.

Why do women pay more for long term care insurance?

interdependence long term care stages

women must worry about not only caring for themselves but caring for loved ones as they age. as a result, women must evaluate their options thoroughly!

  • Women are more likely to live alone and not have a family member serve as a caregiver to them. Almost 80% of women die alone or widowed compared to 83% of men who die married. 
  • Women are more likely to file a long term care homecare assistance claim than men, whilst 70% of all current claims are by women.
  • 70% of nursing home residents are women with 75% of those residing in assisted living facilities.

Homecare Assistance Long Term Care Insurance Provides You With:

  • Independence to choose & receive your own homecare assistance on your own terms.
  • Access to 35+ services, supplies and equipment most needed by seniors when unable to care for yourself.
  • Peace of mind knowing that the financial cost of your long term care is taken care of.
  • Hire someone that you like that’s qualified to provide the care that you need when you need it.

Elder abuse in many cases starts with good intentions by family and friends who are forced to suddenly & unexpectedly become informal caregivers.

Elder abuse is sensitive topic. When people decide to self-fund their long term healthcare they don't tend to consider all the other important factors. When they don't plan ahead, usually the discussions are informal and never really address the realities of taking care of an aging person.

When you assign a Power of Attorney or informal caregiver it's likely that they have to put their life on hold and sacrifice their earning potential. So as they gain access to your savings to help fund your healthcare needs, a conflict arises where they dip into your funds to fund their onw lifestyle or justify it due to their caring for you. Your healthcare needs and quality become sacrificed as a result.

In other cases, a child who takes on the role of informal caregiver may have an eye on their inheritance. So rather than seek the best care that will deplete the funds quickly, they sacrifice it so as to preserve the wealth.

Will you be ready if your parents have to move in with you? Will your children be ready to put their lives on hold?

Not planning for the future healthcare of your parents or yourself is the biggest gap that derails most financial plans.

Get $100,000 of tax-free homecare assistance benefits for pennies on the dollar and get a tax deduction for your monthly premiums. Or you could self-fund and use $300,000 of your retirement savings to get $100,000 after-tax income.

Informal homecare assistance by friends and family is not a minor commitment. 

Are you as a child of a senior who needs long term care, prepared to put aside 20 hours a week and put your life on hold to care for them? If you as parent need substantial assistance with any 2 of the 6 activities of daily living like bathing, dressing, feeding, toileting, transferring or cognitive impairment like Alzheimer's, are your prepared to receive just any type of random care?

how do i qualify?

Sandra Berry's testimonial regarding her experience...

no waiting period for benefits to be payable

When Does a Long Term Care Homecare Assistance Insurance Policy Pay?

A claim begins when there is a mobility or cognitive issue.

If you need substantial assistance with any 2 of the 6 activities of daily living (ADL's): bathing; dressing; feeding; toileting; transferring; cognitive. Typically, supervision because of a cognitive impairment such as Alzheimer's or Dementia, account for 67% of claims. Further to that, 99 times out of 100 it's usually 'substantial assistance' with bathing and dressing.

Substantial assistance doesn’t mean "I need someone to give me a sponge bath or dress me." It means I need someone there while I do it so I don’t get hurt or hurt myself.

REALLY IMPORTANT POINT - You don’t have to be sick to claim on long term care or homecare assistance. For example, you don’t need to get Parkinson’s or a stroke to make a claim. You only need to be 81 years and because you're 81 you happen to be frail and just need someone there with you.

The other way to go on claim is if you need substantial supervision because you have some sort of dementia issue or had a head injury (doesn’t matter how you got there), you’re cognitively impaired to the point where you need supervision.

Homecare Assistance cliam

What Long Term Care Assistance Is Available To You In Canada?

Comparison of Your Long Term Care Options In Canada

In Canada, your long term care assistance options are limited.  Long-term care insurance is a type of disability insurance. Given our custom as Canadians to rely on the government from cradle to grave, we expect that the government has a plan in place for us. Or perhaps we rely on our family and friends assuming that they will take time to care for us if we can't care for ourselves any longer. In other cases many people don't believe they'll ever need care so they don't plan at all or worry about homecare assistance for future healthcare. 

So, since many major insurance companies no longer offer traditional long term care insurance, what options are left to help you feel secure about your future care? Ultimately, as it stands, Canadians would have to consider the differences between government help and planning with insurance as the two most viable options.

It's NOT about nursing homes.
It's about staying OUT of a nursing home:

75% of people with Long Term Homecare Assistance insurance
never end up in a nursing home!

What is the average cost of long term care in Canada?

Publicly funded care falls under the jurisdiction of the Ministry of Health and Long Term Care of your Province. Costs vary from province to province but using the Province of Ontario is a good guide of what it costs to need substantial supervision and assistance if you can no longer care for yourself.

An Example of Average Cost of Care in Ontario

one week for 424 seniors

Hospital Bed - $2.5 million

Long-Term Care Bed - $374,000

Care At Home - $125,000

Caring for terminally ill patients in an acute-care hospital is estimated to cost over 40% more than providing care in a hospital-based palliative-care unit, more than double the cost of providing care in a hospice bed, and over 10 times more than providing at-home care.

(Auditor General of Ontario)


Unpredictable and Unreliable

  • You are a recipient of care. No control over who treats you, when you receive care, or what services are provided.
  • No support for instrumental activities of daily living are provided such as laundry, grocery shopping, light housekeeping or meal preparation
  • Initial and ongoing eligibility is assessed by regulated Healthcare professionals and assistance may be declined or reduced.
  • If you need a long-term bed you will still be at home for an extended period of time since the waiting list for a bed is in the 1,000’s.
  • If you have to take a publicly funded long term bed that may cost $2500 a month. That’s just room and board never mind assistance to go to appointments, getting your hair done, entertainment.

What is the ideal age to apply for long term care homecare assistance insurance?

The day before you get a stroke. Ideally, most people do it between 55-60 years of age or as you start to think about retirement planning and outcomes. The maximum age you can apply is before your 81st birthday but the cost gets higher with your age.

  • Do it before 65 if at all possible. The longer you wait the more expensive it’s going to get and the more likely you’ll have medical issues that are going to keep you from getting covered.
  • Age 55-60 is the sweet spot because you’ve built some assets and starting to think about retirement and the big hole in your retirement plan is whether you need long term care.
  • Have all of your other age-appropriate related priorities taken care of first before you consider Long Term Care insurance i.e. if you don’t have life insurance with a young family or have other pressing financial obligations

HomeCare Assistance Plans from MyDignity™

Plan Your Future Healthcare Needs Your Way In Your Home!

Get the plan that is considered the Gold Standard and solution of choice for your future care as government long term care assistance is limited at best. Homecare assistance plans from MyDignity™ allows you to pick, choose, and control the care you receive at home and not have to consider a long term care facility. People prefer to remain in their own home when they need assistance rather than a long term care facility because the quality of care at home is superior while one’s longevity is increased.

  • It’s a wealth preservation tool so you don't have to deplete your personal assets to cover your healthcare costs if you need substantial assistance physically and cognitively.
  • Buying dollars to cover off these costs that OHIP cannot take care of
  • Covers 35 specific services, supplies and equipment for homecare and hospital benefits
  • Supplement your health and dental plan with hospital benefits included in the plan.
Customers served! 93 Homecare Assistance Plans Issued Across Canada!

Two Homecare Assistance lifetime benefit amounts to choose from...

Plan 1


Available in ALL provinces!

  • Affordable & easy to acquire.
  • Reimbursement for over 35 specific services, supplies, and equipment.
  • No medical exam required.
  • Short health declaration for immediate acceptance.
  • Premiums are tax advantaged.
  • No waiting period for benefits.
  • Your benefits are tax-free.

Plan 2


Available in ALL provinces!

  • Affordable & easy to acquire.
  • Reimbursement for over 35 specific services, supplies, and equipment.
  • No medical exam required.
  • Short health declaration for immediate acceptance.
  • Premiums are tax advantaged.
  • No waiting period for benefits.
  • Your benefits are tax-free.

Our Partners at MyDignity™

MyDignity's success is rooted on its reputation for commitment beyond identifying the solution for care, with ongoing service and education, including advocacy and assistance with claims.

Cynthia Schindler

Cynthia’s professional background includes 10 years of practice as a Behavioral Geriatric Specialist in long-term care facilities. During this time, she was chosen to be part of an elite federal government team whose mandate was to develop practices to improve the quality of life for those requiring assistance.

She quickly realized that the correlation between advocacy and financial resources was directly related to care quality.

Miles Posner

Miles has been an integral part of the Canadian insurance industry for over 30 years and comes with a wealth of experience, knowledge and integrity. He has owned several successful insurance agencies and helped to develop what is now the largest life insurance brokerage in the country.

With the ensuing long-term care crisis facing Canada and the issues associated with traditional insurance products, MyDignity platform was a natural progression for him.

What If the Insurance Company Goes Out Of Business?

your policy is a legal & binding contract that must be honored to the full extent whether or not the insurance company decides to stop selling long term care insurance. 

"You homecare assistance long term care insurance policy is guaranteed renewable policy meaning that, even if an insurance carrier stops servicing a product, they guarantee pay your claims as long as your premiums are current."

Receive the long term care you need in the comfort of your own home and get reimbursed for the following:

While at home...

Assisted living Canada

Benefits reimbursed while you are physically (e.g. bathing, dressing) or cognitively (e.g. Parkinson's, Alzheimer's) dependent and residing at home.

  • Personal Support Worker
  • Nursing Services
  • Respite Services
  • Prepared Meals
  • Home Conversion Expenses
  • Medical Supplies and Equipment
  • Occupational Therapist
  • Incontinence Supplies
  • Respiratory Therapist
  • Physiotherapist
  • Audiologist
  • Dietician
  • Health Monitoring System
  • Moving Allowance
  • Transportation Costs
  • Much More!!

At the hospital...

Assisted living hospital

Benefits reimbursed at any time with no pre-qualification required.

  • Hospitalization
  • Ambulance
  • Diagnostic Laboratory Tests
  • Magnetic Resonance Imaging (MRI)
  • 2nd Medical Opinion
  • and More!!
Long term disability insurance

MyDignity™ Homecare Assistance Clients Say:

Sandra Winston...

Phil Atrill...

No Medical Exam Homecare Assistance Quote

Complete the form below and we will get back to you with your quote for a long term care homecare assistance plan.

Let's start planning your future care for when you can't care for yourself. Your Care, Your Way! In Your Home.

  • Choose between $50,000 and $100,000 coverage.
  • No medical exam or blood tests to qualify!
  • 10% discount for couples applying together.
  • Simple questionnaire for instant approval.
  • Reduce your reliance on loved ones.
  • Protect your savings and assets.
  • Allow your caregiver to maintain control of the care you receive.

Get instant coverage! No waiting period for benefits to be payable!

  • Province
  • Alberta
  • British Columbia
  • Manitoba
  • New Brunswick
  • Newfoundland & Labrador
  • Nova Scotia
  • Northwest Territories
  • Nunavut
  • Ontario
  • Prince Edward Island
  • Quebec
  • Saskatchewan
  • Yukon
  • $50,000
  • $100,000
Are You Applying As A Couple?

What If I Never Use My Long Term Care Plan?

No one buys home insurance to get their 'money's worth' with one house fire that burns down everything!

"You buy homecare assistance long term care insurance to protect yourself from risk not certainty. If you never use it, consider yourself fortunate by being prepared as there is a 75% chance of needing it during retirement."

The Tax Benefits of Using MyDignity™ Homecare Assistance Plan

Curious if you'll get a tax receipt for your monthly premium payment by using this plan for your future healthcare strategy? YES! Take advantage of the Private Health Services Plan tax deduction.

Making A Claim: Understanding How It Works

Long Term Care insurance benefits are initiated if you require substantial assistance or supervision with 2 of the 6 Activities of Daily Living (ADL's) or substantial supervision because of cognitive impairment, such as Parkinson's disease or a stroke. 99/100 times bathing and dressing trigger a claim.


If you need assistance or supervision from someone to ALWAYS get in and out of the bathtub and this person would also need to bathe you because you're not able to on your own, even with the use of an assistive device. 


Help to get your clothes on and off because you're ALWAYS not able to independently, even while using a buttonhook. If reasonable alterations or changes in the clothing you usually wear would enable you to dress without help from another person, you're likely not qualified to make a claim. 


If you require assistance ALWAYS to get food into your body, either via your mouth or a feeding tube. Your inability to prepare or cook meals is not the same as needing assistance with eating when it comes to making a claim. 


If you need homecare assistance to move in and out of your bed or a chair because you're ALWAYS not able to on your own, even while using a device the like a cane or walker. 


If you need assistance from someone to get on and off the toilet because you're ALWAYS not able to even while using an assistive device like a grab bar. In addition, if you can't take care of any related hygiene because you're not able to on your own you can claim. 


If you lose control of your bladder and bowel functions and ALWAYS need help from someone to take care of any related hygiene when there is an accident, including caring for a catheter or urinary colostomy bag or pouching bag. 

Starting A Homecare Assistance Claim

It's important to contact us here at Blue Alpha Wealth directly regarding your claim or questions regarding a claim. Our goal is to make the process prompt and seamless as responsible claims payment is our primary concern.

You need to meet certain qualifications in order to be eligible for benefits. A claim is typically initiated when you need physical or cognitive assistance.

REALLY IMPORTANT POINT - You don’t have to be sick to claim on long term care or homecare assistance. For example, you don’t need to get Parkinson’s or a stroke to make a claim. You may be 81 years and because you're 81 you happen to be frail and just need someone there with you.

When you contact us we will explain the process and review the initial information that we need from you, including required forms that must be completed and submitted to begin your claim. These forms also include an Attending Physician Statement that is to be completed and signed by your personal physician. It is recommended that all the completed forms be returned to us for verification and processing.

We will liaise with you or your Power of Attorney and the insurance carrier and provide advocacy where necessary.

Physically Dependent

*inability to perform 2 out of the 6 Activities of Daily Living (transferring, bathing, dressing, toileting, loss of bladder or bowel continence or eating).

Long term care claim

Cognitively Dependent

*inability to think and reason for yourself.

Cognitive long term care

Frequently Asked Questions

What health issues prevent me from qualifying for coverage?

Do not go to your doctor and say “gosh doc I’m concerned about my memory’” before you buy a homecare assistance policy. 60% of claims for long term care for cognitive issues and they are hideously expensive claims! So zip your mouth until you get your policy.

  • If you’re insulin dependent diabetic it will be next to impossible to get traditional long term care
  • Memory issues
  • Severe rheumatoid arthritis
  • Anything that limits you in any way on a daily basis from doing your normal daily activities
  • Co-morbidity – maybe I have type 2 diabetes but I smoke
  • Respiratory issues like COPD

Fortunately with this plan there is no medical examination, as long as you can respond genuinely favorably to the health questionnaire you get automatic approval. The plan accepts people that have Type 2 diabetes, people who aren’t insulin dependent diabetic, you can have had cancer as long as you’re in remission.

why can't I just fund myself with my retirement savings?

Homecare assistance is meant as a wealth preservation tool. In other words, it helps to preserve your wealth and lifestyle you've built up to the point that you need substantial assistance with performing 2 out of 6 of the activities of daily living, whether cognitively or physically. Homecare assistance is also $100,000 tax-free benefits. For you to use your portfolio or retirement savings to fund your future healthcare when you need it would require you to liquidate about $250,000 to $300,000 to get the $100,000 you need! This doesn't take into account the money you'll also need to compensate the family members that give you informal care as they put their lives on hold to care for you. But, can they also afford to take time off work when your health event happens unexpectedly when you don't have a plan in place? This plan gives you pennies on the dollar to cover your need for private care customized the way you need it.

Another consideration is accountability. Let's assume you get a stroke or a cognitive issue that requires a power of attorney within your family or close circle to start managing your care. Under the homecare assistance plan, your dollars go directly to the needs and requirements for the exact dollar amount. You won't have to worry that your Power of Attorney decides to siphon away some of your retirement savings for their own personal use and thus giving you inferior care. Do you want to put your family in that position of conflict of interest after they've had to take time off and put their life on hold to care for you and justify using your money to help them manage? It's one of the biggest reason for elder abuse that may have been well-meaning. A homecare assistance plan is your best option.

what is the cutoff age to apply for coverage?

The cutoff age is 80 years old OR before your 81st birthday.

When should I apply for homecare assistance?

Most Canadians consider buying long term care coverage between the ages of 55-64 or typically closer to retirement and other lifetime financial obligations have been met. Premiums are based on your health, gender, and age. The longer you wait, the higher the premiums will be.

what is the monthly cost of a homecare assistance plan?