Subsidies and financial help for Seniors
Subsidies and financial assistance for seniors in Quebec include several government programs, tax credits, and allowances designed to support your quality of life, particularly in retirement residences. Since the process can often be complex, it is essential to fully understand your rights and the assistance available to you. On this page, we simplify the information, answer the most frequently asked questions, and provide free guidance through our housing advisors to help you obtain the financial support you may be entitled to.
Here, All seniors have the means!
Peace of mind is not a luxury.
Understanding all costs to better compare
Before exploring the financial assistance available, it is important to have a clear understanding of the costs associated with living in a residence. Understanding what is included, what is optional, and what depends on your personal choices will help you better plan your budget. Once your needs are identified, you can then explore the various subsidies and financial assistance programs that may help reduce your expenses.
All our rents include:
- 30-Day Satisfaction Soleil’s Guarantee
- Electricity, heating, and air conditioning with individual control*
- HD TV package + 51 specialty channels
- Housekeeping (every 2 weeks)
- Bedding (weekly)
- Basic home appliances, if desired
- Basic furniture, if desired
- Large storage
- Full bathroom
- Large windows
- Blinds and lights
- On-site mailboxes
- Reception and security 24/7
- Available care staff 24/7
- Immediate emergency assistance
- Emergency call system
- Direct communication with reception 24/7
- Heat and smoke detectors
- All leisure and activities
- Large family dining room
- Financial aid programs
- And much more—visit us!
*Exceptions may apply. Refers to conditions for details.
With us, you only pay for what you need, when you need it. Whether it’s healthcare or support services, everything is offered à la carte or included in your lease to provide maximum freedom.
- Want to cook today? Perfect.
- Prefer a chef-prepared meal tomorrow? Absolutely possible.
Different meal plans can be added to your lease according to your preferences. The same applies to healthcare and services such as medication management or health monitoring: you decide.
Did you know? Reduced Meal Costs:
Thanks to the Home Support Tax Credit (completed free of charge by our teams), you may receive significantly more financial assistance. For example, adding a third meal to your lease may cost some residents less than $5 per complete meal, all-inclusive and unlimited (with a meal plan)!
Also remember to include personal expenses such as groceries, telephone, or Internet access in your budget if necessary. For added peace of mind, home insurance is required upon move-in to protect your belongings and cover liability insurance.
Are activities included? Yes! A record number of activities and leisure programs are included in the rent. Our facilities are accessible 24/7 for you and your loved ones.
Financial help for living in a residence: you can afford it!
Good news: financial assistance and tax credits are available to help support seniors financially! At Les Résidences Soleil, our advisors assist you free of charge so you can receive the amounts you are entitled to. Our mission is to offer a variety of apartments ranging from 1½ to 5½ units, suitable for all budgets, even for seniors with little or no savings.
Did You Know? You could receive up to $2,125 a month directly from the government from the age of 65, and up to $2,366 a month from the age of 75.
Even with $0 in savings, it’s possible here.
What if it were you? Discover Ms. Lafleur’s monthly budget and availability according to age group.
To better visualize your situation, here is a concrete example based on Ms. Lafleur’s profile. Through the analysis of income, budget, and monthly availability carried out with a Les Résidences Soleil housing advisor, you can easily compare it with your own financial reality.
In this example, we have taken the most vulnerable scenario: no savings, no investments, no pension fund and no partner. If Mrs Lafleur can afford to live comfortably at Les Résidences Soleil, then all older people can afford to do so.
7 main categories of subsidies to meet your needs:
Subject to certain eligibility conditions, this monthly benefit is available to all Canadians aged 65 and over. The amount varies according to age and maximum annual income. The amount is reviewed every 3 months, and currently ranges from $743.05 per month at age 65 to $817.36 per month at age 75*. This benefit is not available automatically; you must apply for it, and it is taxable income.
Old Age Security pension can be compared to a large “pie” divided in 40 equal slices. If you are eligible to a “full pension”, you are entitled to all 40 slices every month. If you are eligible to a “partial pension”, you will receive a certain number of slices, but never 40. The factors that determine whether you are eligible to a full or a partial pension depends on the number of years you lived in Canada since the age of 18. Read the following for more information.
Full pension
Generally, if you meet the requirements of one of the two categories below, you are entitled to a full pension:
- Category 1: You have lived in Canada for at least 40 years since the age of 18.
- Category 2: You were 25 years old on July 1st, 1977 or before that date and, at that time: you resided in Canada; OR you did not reside in Canada but have resided here for a certain time since the age of 18; OR held a valid immigration visa; AND have resided in Canada during the ten years immediately before the approval of your OAS pension application.
Who is eligible?
Three elements are considered in order to determine if you are eligible to Old Age Security pension: your age, your legal status and the number of years you have resided in Canada.
If you are residing in Canada, you must:
- be 65 years old or older;
- reside in Canada and be a Canadian citizen or a legal resident in Canada at the time your OAP pension application is approved;
- have resided in Canada for at least 10 years since the age of 18.
When should I apply?
You should apply for Old Age Security pension six months prior your 65th birthday, or upon receiving an Old Age Security pension application form. Generally, you need to apply yourself. If you are applying for another person, contact Service Canada to find out how to proceed.
What should I do?
To receive an application kit, you can contact Service Canada, go to a Service Canada centre, or print one online.
The kit contains detailed information that will help you apply for an Old Age Security pension. It also indicates where you must send the completed and signed application form.
Which documents should I provide?
If you were born outside of Canada or have not resided in Canada on a continual basis since you were 18 years old, you will need to provide proof of your legal status, such as citizenship or immigration documents. You will also need to provide a document listing all your entry dates in Canada as well as all dates where you have left the country, from the age of 18 up until now. You may be required to provide proof confirming these dates.
The application kit has more information about these requirements.
*Updated: April, 2026
This is an additional benefit for low-income seniors. The amount varies according to your family situation and income. It can be as much as $1,109.85 per month for a single person with an annual income of less than $22,512*. You can consult the estimation tool available on the Government of Canada website to find out what benefits some people are eligible for.
*Updated: April, 2026
Since 2022, this tax credit has been available to Quebecers aged 70 and over. An annual amount of $2,000 is currently allocated, or $166.77 per month for a single person and up to $4,000 per year for a couple, depending on family income*.
*Updated: April, 2026
This credit is intended for low- and middle-income households. The amount is calculated on the basis of your previous year’s annual tax return. Monthly payments can go up to $104 per month*.
How can I apply?
To receive this tax credit, you must be registered for direct deposit. If you are not registered, you can apply through one of the following methods:
- through the online service Registering for direct deposit;
- by enclosing with your income tax return a voided cheque (from an account at a financial institution that has an establishment in Canada) bearing your name and social insurance number;
- by completing a Request for Direct Deposit form (LM-3.Q or LM-3.M) and enclosing it with your income tax return.
If you do not have a bank account, please contact Revenu Québec.
Who is eligible?
You can apply for the solidarity tax credit if, at the beginning of a month between July 1st and June 30th of the following year, you meet the following requirements:
- you are 18 years or older;
- you are residing in Québec;
- you or your spouse are either a Canadian citizen, a permanent resident or a protected person within the meaning of the Immigration and Refugee Protection Act, or a temporary resident or the holder of a temporary resident permit within the meaning of the Immigration and Refugee Protection Act who has been living in Canada for the last 18 months.
*Updated: April, 2026
This program is designed to help people aged 50 and over and low-income families pay their rent. The housing allowance takes into account the number of people in your household, your household type, your income and your monthly rent. Monthly payments can range from $100 to $170*.
Who is eligible?
The Shelter Allowance program applies to:
- persons aged 50 or older;
- couples where one of the persons are aged 50 years or older;
- low-income households (composed of workers, students, income-security recipients or other low-income families) with at least one dependant child.
How can I apply?
If you would like to apply to the Shelter Allowance program, contact Revenu Québec to request the Shelter Allowance application form. Please note: this form is not available on Revenu Québec’s website.
For more information, review the Shelter Allowance program document (IN-165) or visit the Société d’habitation du Québec website.
*Updated: April, 2026
Some Quebec cities offer a subsidy ranging from $65 to $300 per year to their senior citizens*.
*Updated: April, 2026
This credit is available to those aged 70 and over, who pay for services or goods to maintain their independence. It significantly reduces the cost of your lease for each service included, such as security (receptionist), housekeeping, nursing staff, laundry, meals and care. The credit can cover up to 40% of eligible expenses*.
Who is eligible?
To be eligible to the tax credit for home-support services of a senior, you must:
- be at least 70 years old;
- be a resident in Quebec on December 31st of the current year.
If you turned 70 during the year, you can claim the tax credit only for expenses incurred for home-support services rendered or to be rendered after your 70th birthday.
How can I apply?
You can claim your tax credit when filing your income tax return or apply for advance payments.
If you claim your tax credit when filing your income tax return, review the Income Tax Guide (TP-1.G) and fill out Schedule J of your income tax return.
*Updated: April, 2026
Our Unique Programs for your peace of mind
Les Résidences Soleil is committed to offering unique programs to ensure a peaceful and fulfilling retirement. Don’t miss the opportunity to benefit from exclusive commitments and programs created by the Savoie Family that greatly facilitate access to affordable housing for seniors.
Frequently asked financial questions about residence living
The amounts shown for financial assistance programs for seniors in Quebec are estimates. They are based on official government calculation tools available to us. The actual amounts may vary depending on your income, family situation, and current benefits. For a more personalized estimate, our advisors specialized in government grants for seniors can guide you step by step. Our housing counseling teams are dedicated to helping you find affordable and accessible housing with complete peace of mind.
Even if you meet the age requirement, most grants and allowances for seniors are not automatic, you must apply for them. Some programs consider your family income, savings, or benefits already received. Our advisors can help you assess your situation and identify the assistance you may qualify for.
Yes! Several financial assistance programs for low-income seniors are available even if you do not pay taxes. You may still receive allowances, tax credits, or government grants to support your daily life. Even the Home Support Tax Credit is fully accessible to you, provided you file your tax returns. We can help identify which programs apply to you.
Some grants and allowances for seniors require up-to-date tax returns. If you missed some years, it is still possible to regularize your situation. Our advisors can explain the steps and help maximize your entitlements safely.
For couples, government assistance programs for seniors are often calculated based on combined income, referred to as family income. Some benefits remain individual, while others are adjusted according to the couple’s situation.
We can help you understand these differences and take advantage of the available options.
Financial assistance for seniors is available even if you do not use services such as meals, housekeeping, or care. However, adding certain services, such as a 3rd meal to your lease, can significantly increase some grants, including the Home Support Tax Credit completed by our teams.
For example, this could reduce meal costs to less than $5 per added meal, all-inclusive and unlimited.
Talking about finances can feel delicate. Start by preparing your information (income, available assistance, expenses) and choose a calm moment to discuss it.
Our senior advisors can also support you and meet with your family to facilitate these conversations, allowing you to plan your needs with peace of mind and transparency.
The duration for which your income can cover your needs in a senior residence depends on your rent, chosen services, and available assistance. A personalized projection with our advisors allows you to plan your future stress-free and fully enjoy residence life.
Our advisors remain available 7 days a week and can continue supporting you in the future to adjust your needs and available assistance.
Every situation is unique. At Les Résidences Soleil, our housing advisors are especially skilled to guide you and assist you free of charge through often complex government financial assistance procedures.
We help you determine your eligibility, complete forms and make informed decisions for your comfort and peace of mind.
Their mission:
- Listen to you and guide you toward choices adapted to your needs and desires.
- Help ensure you receive the grants you are entitled to for a simple, affordable, and peaceful transition.
Their support is entirely free, personalized, and available year-round with no administrative fees.
For individuals aged 70 and over, several enhanced programs are available: government grants, allowances, tax credits, and housing assistance.
In addition, Les Résidences Soleil has implemented several unique and exclusive programs to ensure a peaceful and fulfilling retirement. Don’t miss the opportunity to benefit from the Savoie Family’s commitments and unique programs that provide financial peace of mind to all our residents.
Meet an Advisor and see for yourself!
Completely free and personalized support, with no administrative fees and no obligation.
You now have a clear overview of the costs and assistance that make residence living simpler and more accessible. Since every situation is unique, nothing replaces personalized guidance.
A short meeting or visit will allow you to confirm what best suits your budget and lifestyle. Discover how to fully enjoy your retirement with complete peace of mind.