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Passive incomes and discounts for Low Income Seniors in Canada

In the past few weeks, I have been helping a few low income seniors in the community managing their finances. The price increases due to inflation have such a large impact on their finance and quality of life.

I'm documenting some findings below if you are helping low income seniors in the community. 

Internet and TV Discounts

Rogers Connected For Success program

Very low price internet and internet + TV plans. This will reduce the senior's bill significantly. 

Requirement

Subsidized tenants, seniors, families with children and to individuals receiving disability and income support (e.g. GIS)

Limited to specific provinces and territories only

Internet-only Plans: 

  • $9.99 + tax for 25Mbps
  • $14.99 + tax for 50Mbps <- Recommended option
  • $24.99 + tax for 75Mbps 
  • $34.99 + tax for 150Mbps

Ignite Internet + Starter TV package: 

  • $39.99 + tax for 25Mbps 
  • $44.99 + tax for 50Mbps  <- Recommended option
  • $54.99 + tax for 75Mbps 
  • $64.99 + tax for 150Mbps 

Ignite Internet + Ignite Flex 20 channels + Sport TV package

  • $69.99 + tax for 25Mbps 
  • $74.99 + tax for 50Mbps  <- Recommended option
  • $84.99 + tax for 75Mbps 
  • $94.99 + tax for 150Mbps 

Link to apply to the program

For latest update, legal text, and how to apply: https://about.rogers.com/our-impact/connected-for-success/

Wireless Service Plans - Cell Phone

Fido prepaid occasional use plan - Talk & Text for $100 per year

CRTC has expected that all major providers to offer this type of low cost plan (see link). It is is not limited to senior and is available to all Canadians. However, it is quite difficult for seniors to find this extremely cheap cell phone plan option.

When you go to Fido website, scroll to near the bottom of the page. This should show under Yearly plans section.

Includes

  • 400 anytime local minutes
  • 400 Canada-wide incoming and outgoing texts

Requirement

None

Link to apply to the program

For latest update, legal text, and how to apply: https://www.fido.ca/plans/prepaid

Other links for more information on the mandated program: 

Telus Mobility for Good: Phone plan + 3GB Data for $25 per month

Low price cellphone + data plan for low-income senior.

Program Details

  • Bring your own device or redeem a $75 discount off the purchase of a phone of your choice from Mobile Klinik
  • 3GB of data at high-speed and endless data at reduced speed
  • Unlimited Canada wide talk & text
  • Ongoing $25 per month rate (plus applicable taxes)Read legal footnote2,Read legal footnote3

Requirement

  • Receive the GIS benefit
  • Can provide your Old Age Security statement, also known as the T4A(OAS), indicating an amount paid to you in box 21 (net supplements paid)

Link to apply to the program

Utility

Ontario Energy Board

The OESP is an Ontario Energy Board (OEB) program that lowers electricity bills for lower-income households. The OESP provides a monthly credit to eligible customers based on household income and household size. The OESP credits are applied directly to eligible customers’ bills.

The OESP will reduce the cost of your household electricity by applying a monthly credit directly to your bill. The credit amount will depend on how many people live in your home and your combined household income.

Link to apply to the program

For latest update, legal text, and how to apply: https://ontarioelectricitysupport.ca/

Banking

Almost all major banks and credit union offer discount accounts and many even offer free banking account for senior (e.g. RBC, TD, BMO, Scotiabank all have free chequing account for senior). Please inquire the next time you visit your branch.

Government of Canada Guaranteed Income Supplement

Just in case you are not aware of this program, the GoC offers the income supplement to resident of Canada if your income is below the maximum annual income threshold for the GIS based on your marital status.

The Guaranteed Income Supplement (GIS) is a monthly payment you can get if:
  • you are 65 or older
  • you live in Canada
  • you get the Old Age Security (OAS) pension
  • your income is below the maximum annual income threshold for the GIS based on your marital status.
The Supplement is based on income and is available to low-income Old Age Security pensioners. It is not taxable.

Link to apply to the program

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