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Funding & Support

Often, we have never heard of the term Occupational Therapy until we require their services and as previously mentioned they are a good low risk insurance policy. Many OT’s now work in conjunction with insurance companies and contractors, and it is worth asking the question, “Is an OT part of your team?

It’s important to note that occupational therapy can be helpful for a wide range of conditions and situations, from recovering from an injury or illness to optimizing daily activities for older adults. As such, it’s worth exploring different options for accessing occupational therapy services, depending on your specific needs and circumstances.

It’s important for individuals to also know that there are various options available to them when seeking access to age in place. Here’s a summary of the different sources of funding for occupational therapy services in Canada:

1. Provincial health insurance plans: These plans may provide access to occupational therapy services in hospitals, community health centers, rehabilitation centers, and home care programs.

2. Federal government benefits: If you’re covered through the Canadian Armed Forces, Veterans Affairs, Corrections Canada, or Indigenous Services Canada, you may be eligible for occupational therapy services and modifications.

3. A Federal Tax Credit is currently available for home modifications that allow for Aging in Place. Certain provinces may extend their own as well but this changes from budget year to budget year and it is best to check your eligibility.

4. Indigenous families: Jordan’s principle may provide funding for therapeutic services in occupational therapy.
5. Local community organizations, churches, service groups, or unions: These organizations may support private occupational therapy services.

6. Extended health insurance plans or employee assistance programs: Some plans may include occupational therapy services as a benefit. If not, you can ask your employer to add it to the list of benefit options.

7. Work-related illness or injury: If you have a work-related illness or injury, you may be referred for occupational therapy services and from there the required modifications are outlined

8. Motor vehicle accidents: In many provinces if you are part of a motor vehicle accident you will be part of a case managed situation that could include home modifications. Automotive insurance will likely cover the services of an occupational therapist.

9. Long-term disability insurance plans: Some plans may include occupational therapy services and potential some minor modifications. It is best to check with your plan to understand what may be covered.

10. Private practice occupational therapists: If occupational therapy services are not covered by public or private insurance or third parties, private practice occupational therapists may offer competitive rates.

It’s important to do your research and explore all options available to you to access the occupational therapy services you need.