What the public system covers
The public network provides home care, places in intermediate resources, and residential long-term care centres. Admission rests on an assessment of autonomy, not on a request.
The user’s contribution
Public residential care requires a monthly contribution from the user, set by regulation according to room type and ability to pay. Amounts are revised annually: check them with the ministry rather than relying on an approximate figure.
What stays on your account
Services not covered, personal expenses, a private room, a private residence chosen instead of an assigned place, or home care hours beyond what the public system allocates. That is where the real financial gap sits.
The waiting period
The wait for a public residential place varies by region and by the level of care required. In the meantime, care often falls to family or to private services paid out of pocket.
What private insurance does
Long-term care insurance pays a benefit, often monthly, when the insured loses a defined number of activities of daily living or suffers a cognitive impairment defined in the contract. The money funds choice; it does not replace the public network.
When to buy it
These contracts are bought in good health, generally well before a need appears. Once autonomy is affected, insurability no longer follows. This is planning, not reaction.
No rate, price, or recommendation on this page. Amounts and limits change: verify them with official sources before deciding.