“i would get the call when the psw [personal support worker] couldn’t come,” he says. after 10 years with dementia, his grandfather died and janeiro continues to help care for his elderly grandmother with her banking, groceries and appointments. “i live about a 10-minute drive away. “i’m very close to her and, knock on wood, cognitively, she’s great. but she’s lonely.”
while the life and the lived experience of the person receiving care is dramatically different, the supports that caregivers need are fairly consistent. the consultations, along with data from recent ccce surveys, revealed a priority list of financial support, respite and home care.
caregiver tax credit and cpp reform
“half of caregivers have experienced financial stress in the last year and one in five are out of pocket about $1,000 a month because of their care responsibilities,” janeiro says. “and that’s a lot, especially between cost of living pressures and wages not going up quickly, that’s a lot of the best of times. and we can probably agree that these are not the best of times.”
one of the key initiatives is reforming the caregiver credit that gives people a non-refundable tax credit to lower their income tax bill. the vast majority of canadians don’t end up owing taxes at the end of the year, so the non-refundable tax credits don’t have a huge impact, janeiro says. the reform would convert the canada caregiver credit from non-refundable to a refundable credit of about $1,250 a year.
“that’s not a lot of money, but it’s a start. for the 20 per cent of caregivers who earn less than $20,000 a year, even another $100 a month is one more trip to the grocery store that you don’t have to stress about and it’s consistent so you can plan for it.”
a more ambitious idea is a change to the canada pension plan (cpp), which is based on workplace contributions. the more you work, the more you earn and the more you contribute, the higher your pension payment is when you retire. but many caregivers end up working significantly less because of their care responsibilities, or in many cases not working for a period of about five years. “it’s a choiceless choice that i think most of us would do. if your family needs you, you will stop working so you can do what you need to do for them.”