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Coverage for Seniors

As people grow older the need for care tends to grow stronger and the need for a well-rounded healthcare plan rises. Because Canadas’ nation is based off the federal government as well as the provincial governments, these two need to work together in order to create a healthcare plan that is beneficial. There are quite a few plans in which one, 65 years of age or older, can apply for in order to ensure they are covered. These include: Old Age Security (OAS), Guaranteed Income Supplement (GIS), Allowance and, Canada Pension Plan (CPP). The OAS is one in which citizens who have lived in Canada for 10 or more years and are of age 65 or older can apply for. Those who have received the benefit of OAS and have a low income can then apply for the GIS. If a person has received the GIS, their spouse between the ages of 60-64 can apply for Allowance. Moving along, those who are in the work force tend to put money aside for the Canada Pension Plan (CPP) by the time they reach age 65. The CPP is essentially a social insurance program preparing individuals for retirement. To those who obtain the CPP, they receive the benefit of the plan paying for things such as retirement, disability, children’s benefits, and more. “You must apply for OAS, GIS, the Allowance, CPP and other federal programs. You will not receive them automatically.” Although there are these beneficial plans, the need for a better plan of action for seniors is in effect. Out of the approximately 39 million people in Canada, roughly 6 million of these people consist of seniors. “Given these challenges, it is not surprising that nine in ten (90%) Canadians agree that Canada requires a national seniors strategy to address needs along the full continuum of care." In order to ensure maximum coverage of the elderly a few things need to be in order. For starters, having a shorter wait time for these seniors. As individuals grow older the more care is needed in order to ensure a healthy body and lifestyle and wait times can put a damper on this. Next, having specialized physicians who are knowledgeable with handling seniors in a gentle and well-equipped way. “Restrictions on government funding has limited access to care—wait-lists are routine, and Canadians are increasingly having difficulties accessing the services of family physicians. The system has not kept up with the demands and expectations of the patient.” This puts stress on those seniors and the need to ensure everyone is taken proper care of is essential having said that Canada is known to ‘leave no Canadian behind’. And lastly, having continual care for these elders is essential in ensuring the finest health care available for those in need. It is stated that individuals ages 55-64, “Over half (55 per cent) have savings that represent less than one year’s worth of the resources they need to supplement government programs like OAS/GIS and CPP/QPP. And fewer than 20 per cent have enough savings to support the supplemented resources required for at least five years.” With this being said, in order to ensure the coverage of all seniors, the expansion of public policies are in need. And to reiterate the federal government as well as the provincial government should work together to create enhanced opportunities for these individuals.