Working into your sixties? In your seventies and living in a private seniors’ residence, a house or condo you own or rent, a health establishment, an apartment or living with a loved one? You may be eligible for tax credits.
We can explain what you need to know.
There are a number of tax benefits based on your age at the end of the year. For example:
Note that conditions apply for all these tax benefits.
You can claim the credit if you’re 70 and over and live in one of the following as an owner or a tenant:
You may also be able to claim it if you live with a loved one in their home.
The credit helps you cover some home-support services.
In 2022, the tax credit is equal to 36% of the eligible expenses you paid in the year, though it may be reduced if your family income exceeds a certain limit.
Complete Schedule J of your income tax return.
If you meet the requirements, you can apply to receive advance payments of the tax credit:
You can claim the tax credit for home-support services for seniors if you paid for eligible services, such as:
The tax credit will increase by 1% per year until 2026. In 2022, the tax credit rate increased from 35% to 36%.
For seniors living in an apartment building (not a private seniors’ residence), the following changes apply as of 2022:
You can claim the credit if you are a senior with a low income. To qualify, you or your spouse must have been 70 or over on December 31, 2022. In addition, on December 31, 2022, you must have been resident in Québec, and you or your spouse must have been a Canadian citizen or have had recognized residence status for the purposes of the credit (note that even if you meet these conditions, some specific situations may render you ineligible for the credit).
The maximum amount was increased for the 2022 taxation year to $2,000 per eligible individual 70 or over. If you and your spouse are eligible and 70 or over on December 31, 2022, the amount for your couple could be as much as $4,000.
To claim the senior assistance tax credit, you (and your spouse on December 31, 2022, if applicable) must file an income tax return. If you do not claim the credit in your income tax return, we will calculate the credit you may be entitled to for you.
We can pay the credit in spring 2023 after you file your income tax return.
If you are eligible but owe income tax, the credit will be used to reduce your balance due.
If you were 70 or over on December 31, 2022, the maximum amount has been increased:
Since the maximum amount was increased for 2022, it can be paid in spring 2023 after you file your 2022 income tax return.
The senior assistance tax credit is based on your family income and marital status on December 31, 2022.
You may be eligible for the maximum amount if your family income does not exceed:
The credit is reduced by 5% of the part of your family income that is over:
Even if you meet the other eligibility requirements, you (or your couple) will not be entitled to the credit if your family income equals or exceeds the maximum family income for your situation.
To be eligible, you must have met the following requirements at the end of the year:
The amount of the tax credit is based on your eligible work income. To calculate it, complete form TP-752.PC-V, Tax Credit for Career Extension, and file it with your tax return.
Your eligible work income (which includes employment income and net business income) must be over $5,000.
If you’re 60 to 64, the limit on eligible work income is $10,000, for a maximum tax credit of $1,500.
If you’re 65 or over, the limit is $11,000, for a maximum tax credit of $1,650. The tax credit may be reduced if your eligible work income is above a certain threshold.
Yes. At 65, you’ll be automatically registered for the Quebec public prescription drug insurance plan. However, if you’re still eligible for basic prescription drug coverage under a private plan (contact your insurer to find out), you can choose to cancel your registration for the public plan.
If your private insurance only provides complimentary coverage, you’ll still have to pay a premium for the public plan.
If you get a suspicious message, contact the Canadian Anti-Fraud Centre and contact us.
Instalment payments are partial payments you make throughout the year to pay your income tax and any contributions or premiums, such as those to:
Instalment payments reduce the income tax you may have to pay after you file your annual income tax return. To determine whether you need to make instalment payments, we make a series of calculations based on your income. For more information, see Income Tax Instalments _- Senior on our website.
If you have multiple sources of income, you can ask for more money to be taken out for income tax. This can prevent a surprise tax bill after you file. For more information, see the form for requesting additional source deductions of income tax.
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Are you 60 or over? Get the news you need about programs, tax credits and tools for seniors.
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