québec pocket tool resources - nicenet file1 québec pocket tool resources. here is a list of...
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Québec Pocket Tool Resources Here is a list of resources to accompany the 8 pocket tools from the Older Women and Financial Literacy series. The resources contain contact information and websites for organizations that provide additional information, referrals, counselling, advocacy or support for all of the topics covered in the 8 Older Women and Financial Literacy series pocket tools. If you have additional resources that can be added to this resource list please send them to: [email protected] Links from this website to other websites are provided as a source of information only. NICE is not responsible for the content of these websites, nor is it an endorsement of their products or services.
1. Developing a Personalized Financial Plan 2. Retirement and Savings Options 3. Income Tax 4. Adopting Effective Banking Practices 5. Credit and Debt Management 6. Accessing and Optimizing Pensions and Public Benefits 7. Understanding the Legal Dimensions of Financial Literacy: Incapacity
Mandate & Power of Attorney 8. Preventing and Intervening in Situations of Financial Abuse
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1. Developing A Personalized Financial Plan
Where Can I Find More Information About Budgeting? Alison Griffiths Alison Griffiths is an award winning financial expert dedicated to making financial information less complicated for the average consumer. Her website contains an array of unbiased financial tips and tools to help you better manage your money. Visit (available in English only): http://www.alisongriffiths.ca/ L’Autorité des marchés financiers (AMF) AMF provides free budgeting tables and money management applications that you can access at their website: English: http://www.lautorite.qc.ca/en/consumers.html French: http://www.lautorite.qc.ca/fr/consommateurs.html Telephone: 418-525-0337 (Québec), 514-395-0337(Montréal), 1-877-525-0377 (toll free) L’Union des consommateurs L’Union des consommateurs is a non profit organization that offers free courses on budgeting. For more information visit their website (available in French only): http://www.consommateur.qc.ca/union-des-consommateurs/?page_id=19 6626, rue Saint-Hubert Montréal, Québec, H2S 2M2 Telephone: 514-521-6820, 1-888-521-6820 (toll free outside Montréal) Credit Education Week Canada Credit Education Week Canada was created by Credit Canada and Capital One as a way to provide Canadians with information about how to better mange their money and take control of their financial future. The website provides a variety of financial tools and planners that are helpful for creating budgets. Visit: http://www.crediteducationweekcanada.com/EDUCATE.html Financial Consumer Agency of Canada (FCAC) Agence de la consommation en matière financière du Canada (ACFC) The Financial Consumer Agency of Canada works to protect consumer financial interests as well as provide consumers with information and tools about the different financial services available to them. For more information about budgeting and money management, visit the FCAC website: English: http://www.fcac-acfc.gc.ca/eng/consumers/budgetmoney/index-eng.asp French: http://www.fcac-acfc.gc.ca/fra/consommateurs/budgetgestion/index-fra.asp Telephone: 1-800-461-3222 (English), 1-800-461-2232 (French) E-mail: [email protected]
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Flash Retirement Québec Flash RetraiteQuébec Flash Retirement Québec provides strategies to help you determine your financial needs and save money. For more information visit the following website: English: http://www.rrq.gouv.qc.ca/en/planification/autres_outils/sites_interet/Pages/sites_interet.aspx French: http://www.rrq.gouv.qc.ca/fr/planification/autres_outils/sites_interet/Pages/sites_interet.aspx Telephone: 418-643-5185 (Québec), 514-873-2433 (Montréal), 1-800-463-5185 (toll free), 1-800-603-3540 (TTY) Investor Education Fund (IEF) The Investor Education Fund website provides tools and information to help you make better financial and investing decisions. For more information visit their website: http://www.getsmarteraboutmoney.ca/Pages/default.aspx E-mail: [email protected] MoneyVille MoneyVille provides useful budgeting tips as well as sample budgets that can be downloaded online. For more information visit their website (available in English only): http://www.moneyville.ca/blog/post/924683--7-online-budgeting-tools-worth-a-look?bn=1 Practical Money Skills Canada Practical Money Skills Canada provides information about budgeting, retirement planning, the cost of credit, loans and much more. For more information visit their website: English: http://www.practicalmoneyskills.ca/ French: http://www.practicalmoneyskills.ca/fr/index.php
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Low Cost Dental Clinics In Montréal Include: McGill University Dental Clinic (located in Montréal General Hospital, 1650
Cedar avenue, 3rd Floor, Room A3-101) Telephone: (514) 934-8042 Website: English: www.mcgill.ca/dentistry/clinic/mccall/ French: http://www.mcgill.ca/dentistry/fr/clinique/mccall
Jewish General Hospital (Pavilion A, Room A-024, closest entrance: Cote-des-
Neiges Road) Telephone: 514-340-8222 ext. 7910 Website (this section is available in English only): http://www.jgh.ca/en/Dentistry
John Abbott College (21 275 Lakeshore Road, Sainte-Anne de Bellevue ,
Québec Ontario H9X 3L9) To book an appointment call the receptionist at: 514-457-5010 Website (available in English only): http://www.johnabbott.qc.ca/departments/dental-hygiene-program/dental-hygiene-clinic
Health information: Info-Santé If you are concerned about your health and you wish to access health resources, you can call Info-Santé. The Info-Santé information line is open 24 hours/7 days a week. Telephone: 811 Services Québec Services Québec website provides information about health resources for seniors. For more information visit their website: English: http://www.aines.info.gouv.qc.ca/en/index.asp French: http://www.aines.info.gouv.qc.ca/fr/index.asp Telephone: 418-644-4545 (Québec area), 514-644-4545 (Montréal area), 1-877-644-4545 (toll free). Discount Websites: CJAD News Talk Radio –Grocery Girl CJAD News Talk Radio website has a section on their website called “Grocery Girl”. The Grocery Girl section lists the notable discounted grocery items from different grocery stores on a weekly basis. For more information visit the CJAD website (available in English only): http://www.cjad.com/shows/andrewcartershow.aspx
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Frugal Shopper Canada The Frugal Shopper Canada website provides saving tips as well as coupons for stores across Canada. For more information visit their website (available in English only): http://www.frugalshopper.ca/ Price Labelling and Accuracy Policy Politique d’exactitude des prix The Price Labelling and Accuracy Policy requires that consumers be compensated if there is a pricing error at checkout. Most supermarkets, pharmacies, hardware stores and other vendors that support the policy will have the sign somewhere in their store. Even if you don’t see the sign you may still be entitled to be compensated if the price at checkout is incorrect.
1. If the product that is priced incorrectly is worth $10 or less, you are entitled to receive the product for free. For example, if you purchase an item that is marked as $5.99 and at the checkout it comes up as $7.99, you are entitled to get the item for free.
2. If the product that is priced incorrectly is worth more than $10.00, you are entitled to get a $10.00 reimbursement. For example, if you purchase a product that is priced at $17.99 and the item comes up at the checkout as $19.99, you should be charged $7.99 for the item.
For more information about the Price Labelling and Accuracy Policy, visit the Office de la protection du consommateur website: English: http://www.opc.gouv.qc.ca/webforms/SujetsConsommation/BiensPersonnels/LivresMagazines/IndicationExactitudePrix_en.aspx French: http://www.opc.gouv.qc.ca/webforms/SujetsConsommation/BiensPersonnels/LivresMagazines/IndicationExactitudePrix.aspx Telephone: 418-643-1484 (Québec), 514-253-6556 (Montréal), 1-888-OPC-ALLO (1-888-672-2556 toll free)
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2. Retirement and Savings Options BMO Retirement Institute The BMO Retirement Institute provides useful information and tips about retirement planning for people who are planning on retiring or people who are already retired. For more information visit their website: English: http://www.bmo.com/home/personal/banking/investments/retirement-savings/retirement-planning/bmo-retirement-institute/featured French: http://www.bmo.com/accueil/particuliers/services-bancaires/placements/epargne-retraite/planification-retraite/retraite-bmo/ressources Credit Education Week Canada Credit Education Week Canada was created by Credit Canada and Capital One as a way to provide Canadians with information about how to better mange their money and take control of their financial future. To access the Retirement Planner visit the Credit Education Week Canada website (available in English only): http://www.crediteducationweekcanada.com/retirementplan.html To access the RRSP Loan calculator visit the Credit Education Week Canada website (available in English only): http://www.crediteducationweekcanada.com/rrsploancal.htm Question Retraite Question Retraite provides useful information and tips to help you plan for retirement. For more information visit their website (available in French only) http://www.questionretraite.qc.ca/fr/ You can download the English Retirement Planning Guide at the following website: http://www.questionretraite.qc.ca/cms/assets/documents/GuideAN_form.pdf Telephone: 1-866-883-3258 (toll free) Richard Shillington The following website contains excellent information on government programs and issues facing older Canadians: http://www.shillington.ca (The information on the website is available in English only). For specific questions email: [email protected]
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3. Income Tax If you would like help preparing your income tax return, there are free Income Tax Clinics set up at various community agencies from mid-February until the end of March. To qualify, your total household income must be below $26,000 for a couple with
$2,000 added for each dependent child or below $20,000 if you are single. The YWCA Montréal The YWCA Montréal’s income tax clinic offers free income tax preparation services for eligible, low income individuals. The free service is provided in March and April. Spaces are limited and you are required to set up an appointment. Office location: 1355 Rene-Levesque Boulevard West Montréal, Québec, H3G 1T3 To book an appointment call (English and French): 514-866-9941 ext. 293 Comité d’education aux adultes (CEDA) CEDA provides assistance to eligible, low income individuals who need help completing their income tax returns. The Volunteer Program is administered jointly by the Canada Revenue Agency (CRA) and Revenu Québec. For more information visit CEDA website (available in French only): http://www.ceda22.com/impot.php If you would like to find out if you are eligible for income tax assistance and to book an appointment, call: 514-596-3432 Women’s Centre of Montréal Each year, Front Line Services of the Women’s Centre of Montréal, in cooperation with the federal and provincial revenue departments, organize an income tax clinic for women. The services are free for eligible women. Registration takes place in February of each year. Office location: 3585 St-Urbain Montréal, Québec H2X 2N6 Telephone: 514-842-4780
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NDG Senior Citizens’ Council (NDGSCC) NDGSCC has trained volunteers who provide assistance with income tax returns to eligible individuals. To qualify for the NDG Senior Citizens’ Council Income Tax Clinic you must:
1. Be 55 or older living in NDG or Montréal West. 2. Income must be $20,000 or less if you are single, or $26,000 or less if you
are a couple. 3. Not receiving any rental or employment income.
For more information visit their website: English: http://www.ndgscc.ca/main.htm French: http://www.ndgscc.ca/index.html Office location: 88 Ballantye North Montréal West, Québec H4X 2B8 (Home service is available to individuals who cannot attend clinic locations) Telephone: 514-487-1311 Revenu Québec Revenu Québec provides information about taxes, support payments, programs and credits for individuals. For information about your income tax return and eligibility for Québec tax credits, visit the Revenu Québec website: English: http://www.revenu.gouv.qc.ca/en/citoyen/default.aspx French: http://www.revenu.gouv.qc.ca/fr/citoyen/default.aspx For tax return filing instructions contact Revenu Québec at 418-659-6299 (Québec), 1-800-267-6299 (toll-free), 1-800-361-3795 (TTY). To avoid long wait times, call in the afternoons on Thursday or Friday (when possible) Canada Revenue Agency (CRA) The Canada Revenue Agency manages Canadian tax laws as well as many social and economic benefits and programs that are a part of the tax system. If you would like to know how much you will pay in income tax, you can get the current federal and provincial tax rates from the Canada Revenue Agency website: English: http://www.cra-arc.gc.ca/tx/ndvdls/fq/txrts-eng.html French: http://www.cra-arc.gc.ca/tx/ndvdls/fq/txrts-fra.html The Canada Revenue Agency also provides a student workbook and teaching manual free of charge for people interested in learning how to file their taxes. For more information about the program including downloading program material, visit their website: English: http://www.cra-arc.gc.ca/tx/ndvdls/dctrs/tchtx/tch-eng.html French: http://www.cra-arc.gc.ca/tx/ndvdls/dctrs/tchtx/tch-fra.html Telephone: 1-800-959-8281 (toll free)
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Community Volunteer Income Tax Preparation Clinics Canada Revenue Agency also offers volunteer tax preparation clinics for eligible low income individuals. For more information about the Community Volunteer Income Tax Preparation Clinics that may be available in your area visit the Canada Revenue Agency website: English: http://www.cra-arc.gc.ca/tx/ndvdls/vlntr/clncs/Montréal-qc-eng.html French: http://www.cra-arc.gc.ca/tx/ndvdls/vlntr/clncs/montreal-qc-fra.html Canada Revenue Agency (CRA) Taxpayer Bill of Rights Agence du revenue du Canada (ARC) Charte des droits du contribuables You can view the Taxpayer Bill of Rights at the Canada Revenue Agency website: English: http://www.cra-arc.gc.ca/E/pub/tg/rc4418/rc4418-e.pdf French: http://www.cra-arc.gc.ca/F/pub/tg/rc4418/rc4418-f.pdf Are You A Newcomer To Canada? The Canada Revenue Agency has a webpage dedicated to helping newcomers learn more about income tax. For more information visit their website: English: http://www.cra-arc.gc.ca/tx/nnrsdnts/ndvdls/nwcmr-eng.html French: http://www.cra-arc.gc.ca/tx/nnrsdnts/ndvdls/nwcmr-fra.html Telephone: 1-800-959-8281 (toll-free) If you would like Canada Revenue Agency (CRA) to provide an opinion of your residency status, you can file form NR74 Determination of Residency Status (Entering Canada) from the CRA website: English: http://www.cra-arc.gc.ca/E/pbg/tf/nr74/README.html French: http://www.cra-arc.gc.ca/F/pbg/tf/nr74/ Or form NR73 Determination of Residency Status (Leaving Canada) from the CRA website: English: http://www.cra-arc.gc.ca/E/pbg/tf/nr73/ French: http://www.cra-arc.gc.ca/F/pbg/tf/nr73/ For more information, contact the Canada Revenue Agency (CRA) at 1-800-267-5177 (toll-free in Canada and the U.S.). From other regions, please call 613-952-3741 (English) or 613-954-1368 (French). You can also refer to the Income Tax Interpretation Bulletin, IT-221R3, Determination of an Individual’s Residence Status, available at: English: http://www.cra-arc.gc.ca/E/pub/tp/it221r3-consolid/README.htm French: http://www.cra-arc.gc.ca/F/pub/tp/it221r3-consolid/ Immigration et Communautés culturelles Québec Immigration et Communautés culturelles Québec partner agencies provide a variety of free settlement services for newcomers to Québec. For more information visit their website: English: http://www.immigration-quebec.gouv.qc.ca/en/partners/services-offered.html French: http://www.immigration-quebec.gouv.qc.ca/fr/partenaires/services-offerts.html
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BMO Bank of Montreal BMO provides useful information and tips for newcomers to Canada such as how to open a bank account, buy a car or send money home. For more information visit their website: English: https://www.bmo.com/home/personal/banking/everyday/newcomers-to-canada?nav=left French: https://www.bmo.com/accueil/particuliers/services-bancaires/courants/nouveaux-arrivants-canada Do You Receive a Foreign Pension in Canada? If you received a pension from another country during the year, you have to include the total amount of your pension with your income tax return. The amount of your pension that you list for your income tax return must be listed in Canadian dollars. Attach a note with your income tax return that specifies the type of pension you received and the country that it came from. Part of your foreign pension may be non-taxable income if the country you receive your pension from has a tax treaty with Canada (an agreement between the two countries that prevents a person from paying tax twice on the same income). If you paid taxes on your foreign pension, you may be eligible for a foreign tax credit. However it is important to NOT subtract any tax from your income when you report it. For detailed information about foreign pensions visit the Canada Revenue Agency website: English: http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/ncm-tx/rtrn/cmpltng/rprtng-ncm/lns101-170/115/frgn/menu-eng.html French: http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/ncm-tx/rtrn/cmpltng/rprtng-ncm/lns101-170/115/frgn/menu-fra.html Telephone (English): 1-800-959-8281 (toll free) People with Disabilities If you are a person with a disability or you support someone with a disability, you may be able to claim on your tax return, the deductions and tax credits listed below and found at the Canada Revenue Agency website. For more information visit the Canada Revenue Agency website: English: http://www.cra-arc.gc.ca/tx/ndvdls/sgmnts/dsblts/ddctns/menu-eng.html French: http://www.cra-arc.gc.ca/tx/ndvdls/sgmnts/dsblts/ddctns/menu-fra.html
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Social Assistance and Solidarity Program If you are receiving social assistance and would like more information on income tax returns you can access the Social Assistance and Solidarity Program brochure at the following website: English: http://www.mess.gouv.qc.ca/includes/composants/telecharger.asp?fichier=/publications/pdf/SR_assistance_emploi_releve5_feuilletT5007_en.pdf&langue=en French: http://www.mess.gouv.qc.ca/includes/composants/telecharger.asp?fichier=/publications/pdf/sr_assistance_emploi_releve5_feuilletT5007.pdf TaxTips.ca The TaxTips.ca website provides information about Canadian income taxes as well as other financial information financial information. For more information visit their website (available in English only): http://www.taxtips.ca/qctax.htm
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4. Adopting Effective Banking Practices Where Can I Find More Information About Banking in Canada? Canada Deposit Insurance Corporation (CDIC) Société d’assurance depots du Canada (SADC) Canada Deposit Insurance Corporation was created to protect the money you deposit in a Canadian bank. If your money is lost or stolen, your bank (if it is a member of the Canada Deposit Insurance Corporation) may reimburse you up to $100,000. For a list of financial institutions that are members of the Canada Deposit Insurance Corporation) and to see what deposits are covered or not covered, visit their website: English: http://cdic.ca/e/index.html French: http://cdic.ca/f/index.html Telephone (English): 1-800-461-2342 (toll free) Telephone (French): 1-800-461-7232 (toll free) Canadian Bankers Association (CBA) Association des banquiers Canadiens The Canadian Bankers Association provides information to the public about banks and banking in Canada. For more information visit their website: English: http://www.cba.ca/en/consumer-information French: http://www.cba.ca/fr/consumer-information Telephone (English and French): 1-800-263-0231 (toll free) E-mail: [email protected] Financial Consumer Agency of Canada (FCAC) Agence de la consommation en matière financière du Canada (ACFC) The Financial Consumer Agency of Canada works to protect consumer financial interests as well as provide consumers with information about the different financial services available to them. To learn more about banking including personal accounts and low-cost accounts and deposit insurance, visit the FCAC website: English: http://www.fcac-acfc.gc.ca/eng/consumers/banking/index-eng.asp French: http://www.fcac-acfc.gc.ca/fra/consommateurs/activitesbancaires/index-fra.asp Telephone: 1-800-461-3222 (English), 1-800-461-2232 (French) E-mail: [email protected] BMO Bank of Montreal BMO provides information about the different banking options available to seniors. For more information visit their website or go to your nearest BMO branch. English: https://www.bmo.com/home/personal/banking/everyday/seniors?nav=left French: https://www.bmo.com/accueil/particuliers/services-bancaires/courants/aines
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Having Difficulty Opening a Bank Account? Ombudsman for Banking Services and Investments Ombudsman des services bancaires et d’investissement If the bank cannot open an account, the banking institution will inform you in writing and provide information on how to proceed. If you encounter any difficulties in the process of opening an account, you can contact the bank’s ombudsman or the Ombudsman for Banking Services and Investments. For more information including a list of Ombudsmen for individual banks, visit the Ombudsman for Banking Services and Investments website: English: http://www.obsi.ca/default.aspx French: http://www.obsi.ca/ Telephone (English and French): 1-888-451-4519 Email: [email protected]
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. Credit and Debt Management5
here Can I Find More Information About Credit? W
du Canada (ACFC) that was
ing
Financial Consumer Agency of Canada (FCAC) Agence de la consommation en matière financièreThe Financial Consumer Agency of Canada (FCAC) is an independent bodyestablished by the federal government with the aim of protecting consumers by informthem about financial services. Among other things, the FCAC is responsible for ensuring that federally regulated institutions comply with federal consumer protection laws and regulations; helping consumers to understand what financial products and services are best for them; and informing consumers about their rights and responsibilities. For more information about credit including credit reports, personal loans and payday loans visit the FCAC website: English: http://www.fcac-acfc.gc.ca/eng/consumers/creditloans/index-eng.asp French: http://www.fcac-acfc.gc.ca/fra/consommateurs/creditprets/index-fra.asp For more information about credit cards including interest charges and service fees, visit: English: http://www.fcac-acfc.gc.ca/eng/consumers/creditcard/index-eng.asp French: http://www.fcac-acfc.gc.ca/fra/consommateurs/cartescredit/index-fra.asp Telephone: 1-800-461-3222 (English), 1-800-461-2232 (French) E-mail: [email protected] Canadian Consumer Handbook
n es information on various financial services such as
ttp://www.consumerhandbook.ca/en/topics/financial
Guide du consommateur canadieCanadian Consumer handbook providcollection agencies, credit reporting and debit card fraud. For more information visit their website: English: h French: http://www.guideduconsommateur.ca/fr/topics/finances
ommission des services juridiques vides useful information and tips about how to
e
ww.csj.qc.ca/SiteComm/W2007English/_Pdf/Dettes-
CCommission des services juridiques promanage debt, deal with creditors and much more. You can access the document from thfollowing links: English: http://wSaisie_complement_EN.pdf French: http://www.csj.qc.ca/SiteComm/W2007Francais/_pdf/Dettes-Saisie_complément_fr.pdf Practical Money Skills Canada
vides information about budgeting, retirement Practical Money Skills Canada proplanning, loans costs and much more. For more information visit their website (in English only): http://www.practicalmoneyskills.ca/calculators/
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btain a free copy of your credit report once a year from either:O
quifax Canada he major credit bureaus in Canada. To access your free credit report,
EFXCreditReportRequestForm.pdf
EEquifax is one of tdownload the application from their website: English: http://www.equifax.com/ecm/canada/ French: http://www.equifax.com/ecm/canada/demandededossierdecredit.pdf Telephone (English): 1-866-828-5961 (press 3) Telephone: (French): 1-877-323-2598 (press 1, then press 3)
rans-Union Canada one of the major credit bureaus in Canada. To access your free
w.transunion.ca/ca/personal/creditreport/consumerdisclosure/mail_en.page
TTrans-Union Canada is credit report, download the application from their website: English: http://ww
w.transunion.ca/ca/personal/creditreport/consumerdisclosure/mail_fr.pageFrench: http://ww
here Can I Find More Information About Bankruptcy?
Telephone (English): 1-800-663-9980 (press 1, then press 1 again) Telephone (French): 1-800-663-9980 (press 2, then press 1) W
Canada provides information about
ic.gc.ca/eic/site/bsf-osb.nsf/eng/home
Office of the Superintendent of Bankruptcy Canada Bureau du surintendant des faillites Canada The Office of the Superintendent of Bankruptcy bankruptcy, how to declare bankruptcy, and where to go for advice. For more information visit their website: English: http://www. French: http://www.ic.gc.ca/eic/site/bsf-osb.nsf/fra/accueil Telephone (English and French): 1-877-376-9902 (toll free)
ankruptcy Canada
anada website provides information about alternatives to bankruptcy.
/alternatives1.htm
BFaillite Québec The Bankruptcy CFor more information visit their website: English: http://www.bankruptcycanada.com French: http://www.bankruptcycanada.com/francais.htm To access a list of answers to frequently asked questions about bankruptcy visit their
ttp://www.bankruptcycanada.com/question1.htmwebsite: English: h French: http://www.bankruptcycanada.com/questionsf.htm
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f you feel overwhelmed by debt, free professional financial counselling services in IQuébec include: Consolidated Credit Counseling Services of Canada
ides free financial counselling Consolidated Credit Counseling Services of Canada provand education services in multiple languages. For more information visit their website (website available in English only): http://www.consolidatedcredit.ca/default.aspx Office location: 1000 de la Gauchètiere West, 24th Floor
ment call (English and French): 1-800-656-4120 (toll free)
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Montréal, Québec, H3B 4W5 To book a counselling appoint
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. Accessing and Optimizing Pensions and Public Benefits6
ow Do I Apply for Federal Public Benefits for Seniors? H
ervice Canada as created to help improve Canadians access to government programs.
servicecanada.gc.ca/eng/home.shtml
SService Canada wIf you would like additional information about government programs for seniors contact Service Canada at: 1-800-277-9144 (toll free), 1-800-255-4786 (TTY) or visit the ServiceCanada website at: English: http://www. French: http://www.servicecanada.gc.ca/fra/accueil.shtml Below is a list of government programs for seniors that have applications available on the
Old Age Security (OAS) Splitting application at the following link from the
ecanada.gc.ca/cgi-
Service Canada website:
You can print out a Credit Service Canada website: English: http://www.servicbin/search/eforms/index.cgi?app=profile&form=isp3000&ln=eng French: http://www.servicecanada.gc.ca/cgi-bin/search/eforms/index.cgi?app=profile&form=isp3000&ln=fra
International Benefits
formation about International Benefits including ite:
If you would like more ineligibility requirements, visit the following link to the Service Canada websEnglish: http://www.servicecanada.gc.ca/eng/isp/ibfa/intlben.shtml French: http://www.servicecanada.gc.ca/fra/psr/piae/prestintl.shtml
Guaranteed Income Supplement (GIS)
ent application form, contact Service
anada website:
To receive the Guaranteed Income SupplemCanada at: 1-800-277-9144 (toll free), 1-800-255-4786 (TTY) You can also access the GIS application online at the Service CEnglish: http://www.rhdcc-hrsdc.gc.ca/cgi-bin/search/eforms/index.cgi?app=prfl&frm=isp3025%282011%29&ln=eng French: http://www.rhdcc-hrsdc.gc.ca/cgi-bin/search/eforms/index.cgi?app=prfl&frm=isp3025%282011%29&ln=fra
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The Allowance lowance application form contact Service Canada at: 1-800-277-
cation online at the Service Canada
ttp://www.servicecanada.gc.ca/cgi-
To receive the Al9144 (toll free), 1-800-255-4786 (TTY) You can also access the Allowance appliwebsite: English: hbin/search/eforms/index.cgi?app=prfl&frm=isp3008&ln=eng French: http://www.servicecanada.gc.ca/cgi-bin/search/eforms/index.cgi?app=prfl&frm=isp3008&ln=fra
GST/HST Credit
le for the GST/HST credit you need to file your income tax
t-tps/gnrl/menu-eng.html
In order to be eligibreturn. For more information about the GST/HST credits visit the following linkto the Canada Revenue Agency (CRA) website: English: http://www.cra-arc.gc.ca/tx/bsnss/tpcs/gs French: http://www.cra-arc.gc.ca/tx/bsnss/tpcs/gst-tps/gnrl/menu-fra.html
Two Federal Programs that Assist Low-Income Homeowners and Landlords Include:
1. Homeowner Residential Rehabilitation Assistance Program
o find out more information about the Homeowner Residential Rehabilitation contact
2. Home Adaptations for Seniors Independence TAssistance program or the Home Adaptations for Seniors Independence programthe Canada Mortgage and Housing Corporation (CMHC) at: 1-800-668-2642 or visit their website: http://www.cmhc-schl.gc.ca (Information is provided in English and French) Québec Public Benefits for Seniors
uébec Pension Plan (QPP) ompulsory public insurance plan that is designed to
rder
QThe Québec Pension Plan is a cprovide people who work in Québec with financial protection during retirement. In oto begin receiving your Québec Pension Plan you must fill out an application. You can complete the application online using the following link to the Régie des rentes Québec website: English: http://www.rrq.gouv.qc.ca/en/services/services_en_ligne/regime_rentes_Quebec/Pages/rente_retraite.aspx French: http://www.rrq.gouv.qc.ca/fr/services/services_en_ligne/regime_rentes_quebec/Pages/rente_retraite.aspx You can also request an application form by calling Régie des rentes Québec at: 418-643-5185 (Québec region), 514-873-2433 (Montréal region), 1-800-463-5185 (toll free), 1-800-603-3540 (TTY)
19
disability pensions in Québec: 1. Disability pension
bility pension you must fill out an
oad the application from the Régie des rentes website:
Québec Pension Plan- Disability Pension There are two types of
2. Pension for a disabled person’s childIf you would like to receive your Régie des rentes disaapplication. You can downlEnglish: http://www.rrq.gouv.qc.ca/en/services/formulaires/regime_rentes/rente_invalidite/Pages/rente_invalidite.aspx French: http://www.rrq.gouv.qc.ca/fr/services/formulaires/regime_rentes/rente_invalidite/Pages/rente_invalidite.aspx You can also request an application form by calling Régie des rentes Québec at: 418-643-5185 (Québec region), 514-873-2433 (Montréal region), 1-800-463-5185 (toll free), 1-800-603-3540 (TTY)
f your Régie des rentes, you must fill out and submit an pplication form. You can download the application from the Régie des rentes website:
/RRQ-
Québec Pension Plan- Pension Sharing To request a division oaEnglish: http://www.rrq.gouv.qc.ca/en/services/formulaires/regime_rentes/retraite/Pages060.aspx French: http://www.rrq.gouv.qc.ca/fr/services/formulaires/regime_rentes/retraite/Pages/rrq-060.aspx You can 5185 (Qué
also request an application form by calling Régie des rentes Québec at: 418-643-bec region), 514-873-2433 (Montréal region), 1-800-463-5185 (toll free),
800-603-3 1-
540 (TTY)
f survivors benefits in Québec: 1. The death benefit
to any of the Régie des rentes survivors’ benefits following the n application. You can complete the application
nk to the Régie des rentes Québec website:
Québec Pension Plan- Survivors Benefits There are three types o
2. The surviving spouse’s pension 3. The orphan’s pension
If you would like to applydeath of a contributor, you must fill out aonline through the following liEnglish: http://www.rrq.gouv.qc.ca/en/services/services_en_ligne/regime_rentes_Quebec/Pages/rente_retraite.aspx French: http://www.rrq.gouv.qc.ca/en/services/services_en_ligne/regime_rentes_Quebec/Pages/rente_retraite.aspx
20
ion), 514-873-2433 (Montréal region), 1-800-463-5185 (toll free), 1-
ram for Older Workers rogramme de soutien pour les travailleurs âgés
Program for Older Workers you must e application process visit the
You can also request an application form by calling Régie des rentes Québec at: 418-643-5185 (Québec reg800-603-3540 (TTY) Income Support ProgPIf you would like to apply to the Income Support fill out an application. For more information about thEmploi et Solidarité Sociale Québec website: English: http://www.mess.gouv.qc.ca/solidarite-sociale/programmes-mesures/travailleurs-ages/produire_demande_en.asp
esures/travailleurs-French: http://www.mess.gouv.qc.ca/solidarite-sociale/programmes-mages/produire_demande.asp Application forms can be picked up at your local employment centre. To find the Local
mployment centre nearest you visit the following website: EEnglish: http://www.mess.gouv.qc.ca/services-en-ligne/centres-locaux-emploi/localisateur/resultats_en.asp?codeRegionale=06&idEtabli=R06 French: http://www.mess.gouv.qc.ca/services-en-ligne/centres-locaux-emploi/localisateur/resultats.asp?codeRegionale=06&idEtabli=R06 Shelter Allowance Program Programme Allocation-logement
must file your Québec Income Tax and cation Form. For more information visit the Revenu
.gouv.qc.ca/en/citoyen/credits/programmes/programmes_Allocation-
If you would like to receive shelter allowance you complete a Shelter Allowance AppliQuébec website: English: http://www.revenulogement.aspx
nu.gouv.qc.ca/fr/citoyen/credits/programmes/programmes_allocation-French: http://www.revelogement.aspx
, 99 (toll-free elsewhere in Québec), 514-873-4455 (TTY Montréal), 1-
Telephone Revenu Québec at: 418-659-6299 (Québec City), 514-864-6299 (Montréal)or 1-800-267-62800-361-3795 (TTY toll-free elsewhere in Québec).
21
ax Credit for Home Support Services for Seniors rédit d’impôt pour maintien à domicile d’une personne âgée
dit for Home Support Services for es or you can apply
P-1.D.J-V%282010-
TCIf you meet the eligibility requirements for the Tax CreSeniors you can claim the tax credit when you file your income taxfor advanced payments of the tax credit. You can print a copy of the Tax Credit for Home Support for Seniors form from the Revenu Québec website: English: http://www.revenu.gouv.qc.ca/documents/en/formulaires/tp/T12%29.pdf
-French: http://www.revenu.gouv.qc.ca/documents/fr/formulaires/tp/TP-1.D.J(201012).pdf For detailed information about the application process, visit the Revenu Québec website t:
//www.revenu.gouv.qc.ca/en/citoyen/credits/credits/credit_remb/maintien_domicile/
aEnglish: http:demande/
.revenu.gouv.qc.ca/fr/citoyen/credits/credits/credit_remb/maintien_domicile/dFrench: http://wwwemande/default.aspx
Québec), 514-873-4455 (TTY Montréal) or 1-800-361-3795 (TTY
rédit d’impôt pour solidarité olidarity Tax Credit, you must file your income tax for direct deposit. For more information about the
Telephone: 418-659-6299 (Québec City), 514-864-6299 (Montréal), 1-800-267-6299 (toll-free elsewhere intoll-free elsewhere in Québec). Québec Solidarity Tax Credit CIn order to receive your Québec Sreturn and you must be registeredQuébec Solidarity Tax Credit visit the Revenu Québec website: English: http://www.revenu.gouv.qc.ca/en/centre-information/activites-pedagogiques/jeunes_enseignants/1_nouveau_etudiant_credit.aspx French: http://www.revenu.gouv.qc.ca/fr/centre-information/activites-pedagogiques/jeunes_enseignants/1_nouveau_etudiant_credit.aspx
Telephone: 418-659-6299 (Québec City), 514-864-6299 (Montréal), or 1-800-267-6299 (toll-free elsewhere in Québec), 514-873-4455 (TTY Montréal), 1-800-361-3795 (TTY
uébec Last Resort Financial Assistance
toll-free elsewhere in Québec). Q
22
uébec offers two types of Last Resort Financial Assistance:
f the Last Resort Financial Assistance Programs, you local employment centre. To find the nearest Local
Q1. Social Solidarity Program 2. Social Assistance Program
If you would like to apply to any omust fill out an application at your Employment Centre visit their website: English: http://www.mess.gouv.qc.ca/services-en-ligne/centres-locaux-emploi/localisateur/index_en.asp French: http://www.mess.gouv.qc.ca/services-en-ligne/centres-locaux-emploi/localisateur/index.asp For more information contact le Bureau des renseigenments et plaintes(Québec) or 1-888-643-4721 (t
at: 418-643-4721 oll-free elsewhere in Québec).
rograms? Where Can I Find More Information About Government P
lashRetraite Québec ovides detailed information about public pensions including
ligible to receive. For more information visit their website:
Flash Retirement Québec FFlash Retirement Québec prhow much you may be eEnglish: http://www.rrq.gouv.qc.ca/en/flashretraiteqc/Pages/capsule_retraite_007.aspx French: http://www.rrq.gouv.qc.ca/fr/flashretraiteqc/Pages/capsule_retraite_007.aspx
eniors Canada website provides information about many provincial and federal e to Québec residents. For more information visit their website:
Telephone: 418-643-5185 (Québec), 514-873-2433 (Montréal), 1-800-463-5185 (toll free), 1-800-603-3540 (TTY) Seniors Canada Sprograms availablEnglish: http://www.seniors.gc.ca/[email protected]?lang=eng French: http://www.aines.gc.ca/[email protected]?lang=fra Telephone: 1-800-622-6232 (toll free), 1-800-926-9105 (TTY)
ervices Québec website provides information about government programs for seniors. ion visit their website:
Services Québec SFor more informatEnglish: http://www.aines.info.gouv.qc.ca/en/index.asp French: http://www.aines.info.gouv.qc.ca/fr/index.asp
(Montréal area), 1-877-644-4545
illington he following website contains excellent information on government programs and
adians: http://www.shillington.ca
Telephone: 418-644-4545 (Québec area), 514-644-4545 (toll free). Richard ShTissues facing older Can (The information on the website is available in English only). For specific questions, please email: [email protected]
23
. Understanding the Legal Dimensions of Financial Literacy: Incapacity Mandate7 & Power of Attorney
Incapacity Mandate
ébec publications provide detailed information about incapacity e
.qc.ca/cura/publications/mandatE.pdf
The Government of Qumandates and provides sample incapacity mandates. You can access the publication at thGovernment of Québec website: English: http://www.curateur.gouv French: http://www.curateur.gouv.qc.ca/cura/publications/mandat.pdf Curateur public Québec – Montréal
mandate, investigate suspicions of abuse and ole
qc.ca/cura/en/index.html
Public Curators can help you draft youreven act on your behalf in case of mental incapacity. For more information about the rof the Public Curator, please visit: English: http://www.curateur.gouv. French: http://www.curateur.gouv.qc.ca/cura/fr/index.html Telephone: 514-873-4074 1-800-363-9020 (toll-free) Chambre des notaires du Québec
concerns you may have. For information visit their
ttp://www.cdnq.org/en/
Notaries can help you with any legalwebsite: English: h French: http://www.cdnq.org/fr/ Chambre des notaries du Quebec will also answer your questions for free over the phone.
ducaloi a non-profit organization that provides Québec residents with information and
caloi.qc.ca/en/
Contact: 514-879-1793, 1-800-668-2473 (toll free). EEducaloi isvideos about Québec law and their rights including mandates in case of incapacity. For more information visit: English: http://www.edu French: http://www.educaloi.qc.ca/ Can Law
as a search tool on their website that allows you to look for lawyers in Canada. Can Law hFor more information visit their website (available in English only): http://www.canlaw.com/ FADOQ
a network that represents the rights of seniors aged 50 and older in various FADOQ isaspects of life and organizes programs and activities to meet their needs. For more information visit their website (available in French only): https://www.fadoq.ca/ Telephone: 1-800-828-3344 (toll free)
24
éseau juridique du Québec helps individuals and organizations access information
RLe Réseau juridique du Québec and professionals in the legal system. For more information visit their website: English: http://www.avocat.qc.ca/english/index.htm French: http://www.avocat.qc.ca/index.htm Telephone: 450-621-8283 (Montréal), 1-877-683-1815 (outside Montréal) E-mail: [email protected] Free or Low Cost Legal Clinics in Québec are listed below:
ommunity Legal Centre of Montréal ntréal
le individuals. For more information
: http://www.ccjm.qc.ca/index_eng.html
CCentre communautaire juridique de moMontréal legal aid provides legal services to eligibvisit: English French: http://www.ccjm.qc.ca/index_fr.html Commission des services juridiques (Legal Aid)
ve access to legal aid services. To
.ca/SiteComm/W2007English/Main_En_v3.asp
The Legal Aid Act enables eligible individuals to hadetermine your eligibility contact your nearest legal aid clinic. For a list of legal aid clinics in your city visit: English: http://www.csj.qc French: http://www.csj.qc.ca/SiteComm/W2007Francais/Main_Fr_v3.asp Telephone: 514-873-3562 E-mail: [email protected] Barreau de Montréal
vide a 30-minute preliminary consultation.
cGill University Legal Information Clinic omposed of volunteer law students who
h and
Members of the Bar proCost: $30/session. Possibility of free service for Welfare recipients. Telephone: 514-866-2490 MMcGill University Legal Information Clinic is cprovide information to the public about most areas of Québec law and federal law. They do not provide information about criminal law, tax law or construction/renovation contracts. The student volunteers are not lawyers therefore, they only provide legalinformation and not legal advice. For more information visit their website (in EnglisFrench): http://mlic.mcgill.ca/ Telephone 514-398-6792 Pro bono Québec
nd services for low income individuals who cannot afford the cost of Legal information aa lawyer. For more information visit their website (available in French only): http://www.probonoQuébec.ca/ Telephone: 514-954-3434, 1-800-361-8495 ext. 3434 (toll free)
25
omen’s Centre of Montréal ers a legal information service. For a minimal
y
he YWCA Montréal n Clinic offers legal information provided by volunteer
only for
tp://www.ydesfemmesmtl.org/En/Home_English.html
WWomen's Centre of Montréal offadministrative fee (a contribution of $2 to $5), you can arrange for a 30-minute appointment with a volunteer lawyer to answer your legal questions. Services, bappointment only, are offered in French, English and Spanish. Telephone (514) 842-4780 TYWCA Legal Informatiolawyers and notaries. Individual 30-minute sessions are available by appointmentthe nominal cost of $10. Each person can benefit from this service a maximum 3 times per year. Website: English: ht French: http://www.ydesfemmesmtl.org/ Telephone (514) 866-9941, ext. 293
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26
. Preventing and Intervening in Situations of Financial Abuse8
ervice de police de la Ville de Montréal lder abuse visit the Service de police de la
.ca/en/service/abus-personnes-agees.asp
SIf you or someone you know is a victim of eVille de Montréal website: English: http://www.spvm.qc French: http://www.spvm.qc.ca/fr/service/abus-personnes-agees.asp For emergencies dial: 911 Telephone: 514-280-2121 (outside Montréal)
tial report about any criminal activity visit
memontreal.ca/Default.aspx
If you wish to file an anonymous and confidenthe info-crime website at: English: http://www.infocri French: http://www.infocrimeMontréal.ca/ Telephone: 514-393-1133 Text info-crime: ICM 274637
ûreté du Québec vides information about common forms of elder abuse (including
ons-abus-aines.jsp
SSûreté du Québec profinancial abuse) and provides information on how you can protect yourself. For more information visit their website (this section is in French only): http://www.sq.gouv.qc.ca/aines/la-surete-vous-conseille/situati
31
altraitance Aînés a government website that provides valuable information and
on
raitanceaines.gouv.qc.ca/en/
Telephone: 418-310-4141 (Québec), 450 or 514- 310-4141 (Montréal), 819-310-41(Eastern Townships), 514-277-9860 (toll free) MMaltraitance Aînés is resources for elder abuse prevention, support and awareness. To access the informativisit their website: English: http://malt French: http://maltraitanceaines.gouv.qc.ca/ If you are a victim of elder abuse or know a senior who is being abused contact the
rime Victims Assistance Centre (CAVAC) (CAVAC)
o have been victims of a of
confidential Elder Abuse Helpline (English and French): 1-888-489-ABUS (2287) CCentre d’aide aux victimes d’actes criminels CAVAC provides support, help and resources to people whcrime as well as people who have witnessed a crime or know someone who is a victima crime. For more information about the services offered visit their website : English: http://www.cavac.qc.ca/english/index.html French: http://www.cavac.qc.ca/accueil.html Telephone: (514) 277-9860 (Montréal), 1-866 532–2822 (toll-free)
27
ommission des droits de la personne et des droits de la jeunesse t an elder person
CIf you are an elder person who is a victim of exploitation or you suspecmay be a victim of exploitation visit the following website: English: http://www2.cdpdj.qc.ca/en/pages/default.aspx French: http://www2.cdpdj.qc.ca/DroitsDeLaPersonne/personnes-agees/Pages/default.aspx Telephone: 1-800-361-6477 (toll free) and ask to speak to a member of the Commission.
DC Community Committee on Elder Abuse (NDGCCEA) agées (CCCAEPA)
ng
: http://www.ndgelderabuse-abusenverslesaines.ca/en/index.html
NComité communautaire contre les abus envers les personnes NDGCCEA provides information and educational resources about elder abuse includicommon indicators of elder abuse and effective screening tools. For more information visit: English French: http://www.ndgelderabuse-abusenverslesaines.ca/fr/index.html Telephone: 514-483-1380 ext: 2016 E-mail: [email protected]
o view the World Elder Abuse Awareness Day factsheet visit: Thttp://www.gov.pe.ca/photos/original/senior_weaad.pdf (English
version)
raud, Scams and Identity TheftF mateur (Québec)
mation about the laws and h
w.opc.gouv.qc.ca/WebForms/SujetsConsommation/FinancesAssurances/index_
Office de la protection du consomOffice de la protection du consommateur provides inforconsumer rights regarding solicitation by telemarketing, pyramid schemes and mucmore. For more information visit: English: http://wwen.aspx French: http://www.opc.gouv.qc.ca/WebForms/SujetsConsommation/FinancesAssurances/index.aspx Telephone: 514 253-6556 (Montréal), 1 888 672-2556 (toll free)
nior-Aware: Prevent Abuse and Fraud
created in partnership between FADOQ, Sûreté du Québec and CSSS s may
e/
SeAîné-Avisé The website Cavendish, provides information and videos that show how typical frauds and scamoccur. For more information visit their website: English: https://www.fadoq.ca/aineavise/en/Hom French: https://www.fadoq.ca/aineavise/fr/Accueil/
28
ervices Québec ovides information about different types of fraud and scams that are
sier=5534&sujet=214
SService Québec prtargeted towards seniors including identity theft and phone and e-mail scams. For more information visit their website (available in French only): http://www.formulaire.gouv.qc.ca/cgi/affiche_doc.cgi?dos
44-4545
or information on when a SIN is required and when it is not visit the Service Canada
ww.servicecanada.gc.ca/eng/sin/protect/provide.shtml
Telephone: 418-644-4545 (Québec area), 514-644-4545 (Montréal area), 1-877-6(toll free). Fwebsite: English: w
htmlFrench: http://www.servicecanada.gc.ca/fra/nas/proteger/provide.s
’Autorité des marchés financiers (AMF) to prevent yourself
LAMF offers financial education and publications on best practices from becoming a victim of fraud. For more information visit their website: English: http://www.lautorite.qc.ca/en/prevent-fraud.html French: http://www.lautorite.qc.ca/fr/prevenez-la-fraude-conso.html
-525-0377 (toll free)
ompetition Bureau nce
site provides information on how to recognize fraud, report it
cb-bc.nsf/eng/h_00122.html
Telephone: 418-525-0337 (Québec), 514-395-0337(Montréal), 1-877 CBureau de la concurreThe competition bureau weband stop it. For more information visit their website: English: http://www.competitionbureau.gc.ca/eic/site/
lFrench: http://www.bureaudelaconcurrence.gc.ca/eic/site/cb-bc.nsf/fra/h_00122.htm
formation Security Institute of Quebec (ISIQ) pour la sécurité de l’information
w.isiq.ca/en/particulier/campagne_sensibilisation/protection_identite.html
Telephone: 819-997-4282, 1-800-348-5358 (toll free in Canada) InISIQ website provides information on understanding identity theft and how to protect yourself from identity theft. For more information visit their website: English: http://ww French: http://www.isiq.ca/particulier/campagne_sensibilisation/protection_identite.h
he Federal Bureau of Investigation (FBI) common fraud schemes that occur and tips
v/scams-safety/fraud
TThe FBI website has a list of some of the mostto protect yourself from being scammed. For more information visit their website (in English Only): http://www.fbi.go
29
anadian Securities Administrators (CSA) (ACVM)
s” guide provides detailed s
CAutorités Canadiennes en valeurs mobilièresThe CSA “Protect your Money: Avoiding frauds and scaminformation on how to protect your self from fraud, scams and identity theft. To accesthe guide visit the following website: English: http://www.securities-administrators.ca/uploadedFiles/General/pdfs/Protect_your_money-ENG.pdf French: http://www.autorites-valeurs-mobilieres.ca/uploadedFiles/General/pdfs_fr/Protect_your_money-FR.pdf
eport Fraud: R
f Operations Linked to Telemarketing Fraud (COLT) OLT)
s es
.ca/qc/services/colt/accueil-colt-home-eng.htm
RCMP Centre oGRC Centre opérationnel de lutte contre le télémarketing frauduleux (CCOLT is an intergraded project that involves various parts of law enforcement such aSûreté du Quebec, City of Montréal Police Service, FBI and many more. COLT providfraud prevention and education programs and investigates reported fraud. For more information visit their website: English: http://www.rcmp-grc.gc French: http://www.rcmp-grc.gc.ca/qc/services/colt/accueil-colt-home-fra.htm Telephone: 514-939-8304 (Montréal), 1-800-771-5401 (toll free) The Canadian Anti-Fraud Call Centre
cams both old and new and provides tips on how to :
Centre antifraude du Canada The CAFC lists many common sprotect yourself from being caught in a scam. For more information visit their websiteEnglish: http://www.phonebusters.com/english/recognizeit.html French: http://www.phonebusters.com/francais/recognizeit-f.html
501 (toll free English
sh): [email protected]
If you would like to report fraud contact the CAFC at: 1-888-495-8and French). E-mail (Engli E-mail (French): [email protected] If you believe you are a victim of identity theft contact:
press 1, if you are a victim of
3-9980 (toll free English and French), for lost or stolen
all Centre: 1-888-495-8501 (toll free English and French)
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Equifax: 1-866-828-5961, for lost or stolen identification identity theft press 2. Trans Union: 1-800-66identification press 3 Canadian Anti-Fraud C