Is Home Care Tax-Deductible in Ontario? Here’s What Families Should Know

Paying for professional in-home care, it’s natural to wonder—is any of this tax deductible? The short answer is yes—under certain conditions, many home care services can be claimed as medical expenses on your Canadian tax return right here in Ontario. Here’s what you need to know to plan smarter and keep more of your money.

What Counts as a Medical Expense?

According to the Canada Revenue Agency (CRA), attendant care—like help with personal tasks from a PSW—is an eligible medical expense. This includes paying for services such as personal support, meal prep, laundry, and even companionship if medically necessary  .

There are key requirements:

• The caregiver cannot be your spouse or common-law partner.

• They must be 18 years or older.

• You must provide documentation—either:

  
  

  • Approval for the Disability Tax Credit (Form T2201), or

  • A medical certificate stating that these services are necessary  .

  
  

How Medical Expense Credits Work

When filing your taxes, eligible expenses must exceed the lower of:

• 3% of your net income, or

• A fixed threshold (e.g., $2,759 for 2024)  .

The excess amount becomes a non-refundable tax credit, applied at your marginal tax rate. You can claim for yourself, a spouse, or a dependent—such as a senior parent or grandparent  .

Other Tax Credits That May Apply

• Canada Caregiver Credit (CCC): If you support a relative with physical or mental impairment, you may qualify for a caregiver amount of up to $8,375, depending on the situation  .

• Ontario Seniors Care at Home Tax Credit: A refundable credit designed for low- to moderate-income seniors needing assistance at home. Qualification can be specific—check the current eligibility criteria  .

How Trinity Homecare Services Can Help You Claim These Benefits

1. Provide Proper Receipts

   Every pay stub or invoice from Trinity includes the caregiver’s details, services provided, and aligns with CRA requirements—perfect for claiming eligible medical expenses  .

2. Assist With Documentation

   If your family qualifies for the Disability Tax Credit, we’ll guide how to reference that for cost claims or caregiver credits.

3. Flexible Care Plans

   Whether you choose hourly support, live-in care, or customized plans, we help you maximize your claimable expenses in a tax-efficient way.

Real-World Claim Example

Imagine you paid $8,000 for full-time in-home care concerning attendant care services. If your net income is $60,000, the claimable medical expense amount would be the portion exceeding $2,759 (i.e. $5,241). You’d get a tax credit based on that amount, offering real financial relief.

When It All Comes Together

Here’s how the different tax benefits complement each other:

Benefit Type	What It Covers
Medical Expense Credit	Attendant care (PSW services), housekeeping, meal prep, etc.
Disability Tax Credit (DTC)	Reduces taxable income when there’s a medical need
Canada Caregiver Credit (CCC)	Monthly support for a dependent with impairment
Ontario Seniors Care at Home Credit	Provincial relief for low-income seniors needing home support

Your Next Steps with Trinity

• Save all receipts and ask us for clear invoices tied to medical care.

• Check whether the person receiving care qualifies for the DTC.

• Consult a tax advisor to bundle your claims effectively—medical credits, caregiver credits, and provincial tax credits can all reduce your tax burden significantly.

In summary: Home care in Ontario can often be claimed on your tax return—but it depends on proper documentation, CRA eligibility, and having the right forms in place. Trinity Homecare Services can guide and support you every step of the way.

Ready to talk taxes, care, and clarity?

Contact Trinity Homecare Services for your free consultation today.