About Us

The age 65 population doubled in 2023. How do we care for our loved ones when they cannot care for themselves? What does that look like? Where would you like to live? What will the financial costs look like? 

Insurance companies in Canada have mostly left the long term care market in Canada because the risk is greater then they want to accept. There are some exemptions: Our Home Care Assist plan is a unique plan that allows for a reimbursable benefit up to $125,000. This allows loved ones to stay at their home for longer periods of time. Most people would rather they stay at home rather than a long term care facility. People are forced into a long term care facility typically because they require more care at home and that can be costly. 

The added stress of caring for a spouse historically has increased divorce rates. Investment funds get depleted faster and additional care will be needed with respite services or private nursing care. Costs for home renovation, medical supplies, food cost, extra care from specialist and a host of other costs are the reality of many Canadians. 

Have you had a family planning discussion with your family? The sandwich generation are adult children who care for their parents and care for their children at the same time. Do you have any plans in place? Don't wait until the event occurs to have that discussion. Planning ahead of time can reduce the costs financially and ease the stress and confusions in the family structure. - Phil Razon