What does it cost to stay in a nursing home in Ontario?

As of July 1, 2025, the maximum monthly rate for a basic room in an Ontario long-term care home is $2,085.37. This article will provide a comprehensive breakdown of what does it cost to stay in a nursing home in Ontario, including preferred accommodations and the key factors that influence your total expenses.

Quick Summary

The cost of staying in a nursing home in Ontario is based on your accommodation choice, with government-regulated rates for basic, semi-private, and private rooms, which saw a 2.4% inflationary increase in July 2025. Financial assistance is available for those who cannot afford the basic rate.

Key Points

• Standardized Rates: The Ministry of Long-Term Care sets maximum accommodation rates, which are consistent across all Ontario nursing homes, regardless of profit status.

• Rate-Dependent on Room Type: Costs differ based on the room you choose—basic, semi-private, or private—with private rooms being the most expensive option.

• Care is Subsidized: The provincial government funds the medical and personal care, while residents pay only for the room and board through a co-payment.

• Rate Reduction Program: Financial assistance is available for residents in basic rooms who cannot afford the maximum co-payment, but they must reapply annually.

• Additional Costs: The co-payment does not cover optional services like cable TV, internet, or hairdressing, which must be budgeted separately.

• Inflationary Increases: Rates are adjusted annually based on inflation, with a 2.4% increase implemented on July 1, 2025, for all accommodation types.

Understanding the Co-Payment for Ontario Long-Term Care

In Ontario, the cost of long-term care (LTC) is shared between the government and the resident. The Ministry of Long-Term Care covers the cost of nursing, personal care, and programs, while residents pay a co-payment for their accommodation, which includes room and board. These co-payment fees are standard across all LTC homes in the province and vary depending on the type of room.

Official 2025 Accommodation Rates

Effective July 1, 2025, the daily and monthly co-payment rates for long-stay accommodation in Ontario long-term care homes increased by 2.4%. The specific rate depends on the chosen accommodation type:

Type of Accommodation	Daily Rate (as of July 1, 2025)	Monthly Rate (as of July 1, 2025)
Basic	$68.56	$2,085.37
Semi-Private	$82.66	$2,514.24
Private	$97.95	$2,979.32
Short-Stay (Respite)	$44.38	N/A

These are the maximum rates set by the Ministry. All residents receive the same standard of care, regardless of their room type.

What Is Included in Your Accommodation Fee?

The co-payment fee covers essential services and amenities, ensuring a high quality of life for residents. These services are regulated and inspected by the province. Included services typically encompass:

• 24-hour nursing and personal care
• Meals and snacks, including special diets
• Housekeeping and laundry
• Social and recreational programs
• Access to medical care from a physician
• Personal hygiene supplies

Potential Additional Costs to Consider

Certain services are not covered by the co-payment and will incur additional fees. Families should budget for these optional expenses, which may include:

• Cable TV and telephone services
• Internet access
• Hairdressing services
• Personal dry cleaning
• Transportation for external appointments
• Specific personal care items or equipment beyond standard provision

The Long-Term Care Rate Reduction Program

Ontario offers a Rate Reduction Program for residents in basic accommodation who cannot afford the maximum co-payment. Eligibility is based on the resident's income, ensuring that financial constraints do not prevent access to a basic room.

Key details of the rate reduction program:

1. Eligibility is limited to residents in basic rooms.
2. Annual re-application is required.
3. The reduction amount is based on annual income and whether the resident supports dependants.
4. There is no strict income cutoff; eligibility is assessed based on multiple factors, although those with incomes under approximately $26,812 may qualify.

For details on the application process, contact your local Ontario Health atHome care coordinator or visit the official Ontario government website.

How to Plan for Long-Term Care Costs

Planning for the financial aspects of long-term care is crucial. Various resources can help individuals and families prepare.

Retirement Savings

Using retirement funds like RRSPs, RRIFs, or personal savings is a common method to cover the monthly accommodation co-payment.

Sale of a Home

Selling a home can provide significant funds for long-term care. While assets like a house do not affect eligibility for the rate reduction program, many families sell the property to manage costs.

Long-Term Care Insurance

Long-term care insurance can help protect assets by covering daily or monthly care expenses. Premiums vary, and purchasing a policy earlier in life can result in lower rates.

Government Programs

Beyond the rate reduction, other government programs may offer assistance. Consulting with a financial advisor or care coordinator can help identify available support.

Conclusion: A Realistic Approach to Funding Long-Term Care

Understanding Ontario's long-term care costs, including the 2025 rates and potential additional fees, is essential for planning. Basic accommodation costs just over $2,000 per month, with preferred rooms being more expensive. The government subsidizes much of the care, but the accommodation co-payment is a significant cost. The Rate Reduction Program provides a safety net for those with low income. Effective planning, using savings, considering asset liquidation, and exploring insurance are important steps to ensure quality care without excessive financial strain. For the most current information, consult the official Ontario government website on long-term care funding.

Frequently Asked Questions

What is included in the basic nursing home fee in Ontario?

The basic fee includes your accommodation (room), meals and snacks, housekeeping, laundry services, 24-hour nursing and personal care, and access to social programs. Essential hygiene supplies are also covered.

Does my income affect how much I pay for a nursing home in Ontario?

Yes, if you are in a basic room and have a low income, you may be eligible for a rate reduction. The Rate Reduction Program assesses your annual income and any dependent support obligations to determine the reduced rate you pay.

Are private rooms much more expensive than basic rooms?

Yes, private rooms incur a significantly higher cost due to a premium added to the basic rate. The premium amount is also set by the government and saw an increase in July 2025.

Is long-term care insurance a viable option to cover nursing home costs in Ontario?

Long-term care insurance can be a way to cover potential costs, protecting your assets. It can be a good option for those who plan ahead, as premiums are more affordable when purchased at a younger age.

Do I have to sell my house to afford a nursing home in Ontario?

No, your assets, including your house, are not considered income for the purpose of the Rate Reduction Program. However, many families choose to sell the home to free up capital to cover the accommodation costs and other living expenses.

How do I apply for a rate reduction for basic accommodation?

You must apply for the Rate Reduction Program annually, typically by contacting the long-term care home's administration staff. The application is submitted to the Ministry of Long-Term Care.

Are the costs for short-stay or respite care different from long-term stays?

Yes, there is a separate daily rate for short-stay (respite) accommodation. As of July 1, 2025, this rate is $44.38 per day, and it is not a monthly fee.

What is the key factor that determines the cost of a long-term care bed?

The primary factor determining the cost is the type of accommodation you choose (basic, semi-private, or private), as the fees are standardized across the province based on this selection.