New Horizons for Seniors

The New Horizons for Seniors Program (NHSP) invites eligible organizations to submit proposals to indicate their interest in being part of pilot projects that address seniors’ isolation through building social support networks and resources as well as community interventions, and/or projects that address intergenerational learning.

Eligible Projects

For the purpose of this Call for Proposals (CFP), funding will be provided to successful applicants* to undertake projects with major activities that address an identified need focusing on one of the following project streams:

  • Expanding on the continuum of integrated services for seniors experiencing, and at risk of, social isolation.
  • Supporting social participation through intergenerational learning. These projects could, for example, encourage seniors mentoring others.
  • Early warning/identification within the community of those seniors at risk of social isolation, and determining the existing programs and services which could support them.

Priority consideration may be given to projects:

  • that approach hard-to-reach populations, such as, but not limited to Aboriginal seniors, currently isolated seniors, or those at risk of isolation due to factors such as low-income, homelessness, new immigrants, living alone, living with physical or mental disability, and, seniors providing caregiving;
  • that ensure an appropriate regional distribution of funding across Canada; and
  • that ensure an appropriate distribution of funding across the three (3) project streams listed above.

In addition, each of the following requirements must be met in order for projects to be considered eligible for funding:

  • Projects must be seniors led or inspired.
  • Projects must have a maximum duration of 24 months and all activities must be completed and results be achieved within this time period.
  • The total amount of funding requested from Employment and Social Development Canada (ESDC), formerly Human Resources and Skills Development Canada, must be between $50,000 and $100,000 over the life of the agreement.
  • Cash contributions equal to or greater than 50% of the ESDC contribution must be provided through other sources than the federal government.
    • Applicants must provide letters of support from contributing partners with their application, confirming the amount of the cash contribution, the fact that the cash contribution will be provided at the beginning of the project period, and that it will be directly applied to project costs.
  • All applications must include an evaluation plan and a sustainability plan, as per the requirements set out in this document.
  • Projects cannot support on-going or core organizational costs, nor projects that primarily deal with health interventions.

Eligible Recipients

Eligible recipients include:

  • Not-for-profit organizations;
  • Coalitions, networks and ad hoc committees;
  • For-profit organizations;
  • Municipal governments;
  • Research organizations and institutes;
  • Educational institutions (i.e. universities, colleges, CÉGEPs, school boards/school districts)*;
  • Public health and social services institutions*; and
  • Aboriginal organizations (including band councils, tribal councils and self-government entities)
    * Provincially/territorially funded institutions are eligible with the agreement of the provincial/territorial government.

For the purposes of this CFP, applicants must demonstrate the following in order for their project to be considered eligible for funding:

  • Have managed at least $25,000 in federal grant or contribution funding within the past five years and include references to that effect as part of their proposals.
  • Have proven experience of working collaboratively with other community partners.
    • Recipients must submit at least one letter of reference to that effect.
  • Have demonstrated financial and organizational stability

Eligible Costs

For the purposes of this CFP, the following costs are eligible for funding (please note that all eligible costs are subject to assessment and negotiation):

  • wages and mandatory employment related costs (MERCS) for project staff;
  • professional fees;
  • evaluation costs (e.g. surveys);
  • hospitality;
  • participant costs (e.g. security checks for volunteers);
  • printing, advertising, distribution and other communication costs;
  • travel costs within Canada;
  • rental, repair, renovation and/or maintenance of facilities;
  • purchase and/or rental of equipment, materials and supplies;
  • shipping costs for equipment, materials or supplies;
  • other costs necessary to support the purpose of the funding as approved by ESDC;
  • capital assets required to complete the project (must not exceed $25,000); and
  • any applicable taxes (that are not subject to rebate through the Canadian Revenue Agency (CRA).

Building Canada Fund

What is it?

The New Building Canada Plan builds on our Government’s unprecedented investments in infrastructure. In 2007, our Government provided $33 billion in stable, flexible and predictable funding across the country. Now, we are building on our Government’s historic infrastructure investments, with $70 billion for public infrastructure over the next decade, including the $53-billion New Building Canada Plan for provincial, territorial and municipal infrastructure. The New Building Canada Plan is the largest and longest federal infrastructure plan in our nation’s history. It continues to focus on supporting projects that enhance economic growth, job creation and productivity.

Why is it important?

World-class infrastructure is the backbone of our country’s economic productivity. Our Government is committed to investing in Canada’s infrastructure to reduce commuting times for families, enhance economic competitiveness, encourage job creation and strengthen trade corridors.

We understand the vital importance of infrastructure to help get goods to market, to connect people and businesses with the world, and to reduce gridlock on our roads and highways. The New Building Canada Plan will continue to support infrastructure projects that foster economic growth, job creation and long-term prosperity.

How does it work?

The New Building Canada Plan is the largest long-term infrastructure plan in Canadian history, providing stable funding for a 10-year period. It includes:

The Community Improvement Fund, consisting of the Gas Tax Fund and the incremental Goods and Services Tax Rebate for Municipalities, will provide over $32 billion to municipalities for projects such as roads, public transit and recreational facilities, and other community infrastructure.

  • A $14-billion New Building Canada Fund, which consists of the:
  • $4-billion National Infrastructure Component (NIC) that will support projects of national significance; and
  • $10-billion Provincial-Territorial Infrastructure Component (PTIC) for projects of national, regional and local significance. Of this amount, $1 billion is dedicated to projects in communities with a population of fewer than 100,000 residents.

An additional $1.25 billion in funding for the P3 (Public-Private Partnerships) Canada Fund administered by PPP Canada For further information, please visit their website.

$6 billion in funding continues to flow across the country this year and beyond under existing infrastructure programs.

New Building Canada Fund:
Provincial-Territorial Infrastructure Component
Small Communities Fund

What is it?

The $10-billion Provincial-Territorial Infrastructure Component (PTIC) provides support for projects of national, local or regional significance. This includes the Small Communities Fund (PTICSCF) that will provide $1 billion for projects in municipalities with fewer than 100,000 residents.

Why is it important?

Smaller communities will be able to build projects that deliver on local needs. Through the Small Communities Fund, our Government continues to provide dedicated funding for small communities, building on the successful practices established under the 2007 Building Canada Fund and the Infrastructure Stimulus Fund. In addition, communities can use the Gas Tax Fund towards a wider range of projects, including highways, disaster mitigation, broadband, brownfield redevelopment, recreation, culture, tourism and sport.

How does it work?

To ensure that small communities receive funding opportunities, ten per cent (10 %) of the PTICallocation of each province and territory will be set aside for the PTICSCF.

Infrastructure Canada will enter into funding agreements with the provinces and territories who will be responsible for identifying and proposing projects for consideration.

Projects funded through the PTICSCF must meet the following program objectives:

  • Economic growth;
  • A clean environment; and
  • Stronger communities.

Eligible recipients under the PTICSCF:

Eligible recipients are restricted to those whose projects are situated within or are for the benefit of, communities with a population of fewer than one hundred thousand people (100,000) as determined by Statistics Canada — Final 2011 Census.

The following are eligible recipients for the purposes of the PTICSCF:

  1. A municipal or regional government established by or under provincial or territorial statute;
  2. A provincial or territorial entity (e.g., a department, corporation or agency) that provides municipal-type infrastructure services to communities, as defined in provincial or territorial statute;
  3. A band council within the meaning of section 2 of the Indian Act; or a government or authority established pursuant to a Self Government Agreement or a Comprehensive Land Claim Agreement between Her Majesty the Queen in right of Canada and an Aboriginal people of Canada, that has been approved, given effect and declared valid by federal legislation;
  4. A public sector body that is established by or under provincial or territorial statute or by regulation or is wholly owned by a province, territory, municipal or regional government which provides municipal-type infrastructure services to communities; and
  5. A private sector body, including for-profit organizations and not-for-profit organizations, whose application is supported by a municipal or regional government referred to above. Such support could take the form of a resolution from the municipal or regional government council.

Types Of Personal Insurance Covers

All families need a financial plan that includes a Ontario personal insurance coverage. This is important to cope in the event of accidents, illness, disability or even death. No one can live comfortably and claim to be risk free. We are exposed to greater dangers now more than ever. This is why we need some kind of cover. Here is a description of the different kinds of Ontario personal insurance coverage available.

Auto Insurance

This is a cover needed by everyone who drives a car. Before you can register a car you will need a liability insurance. You may have inadequate minimum values but it is advisable to have above the minimum required coverage. Other coverage you should include are theft, fire and collision coverage. When you go for a higher deductible, you will be able to reduce the cost of the insurance.

Before you settle for a particular coverage, you should always obtain a range of quotes since prices vary between companies. There are also discounts you stand to enjoy depending on your driving record, age, where you live etc.

Homeowner’s insurance

This is the other Ontario personal insurance that’s considered necessary for all who own a house. Whichever home Ontario personal insurance coverage you choose, always make sure that it is sufficient to cover rebuilding costs and the replacing of furniture and other fixtures in case of fire or other damage. In case of injuries happening on your property, the coverage should also be able to cater for it.

You will need to subtract the cost of the land and foundations from the value of the house if you want to decide the amount of insurance you will need for rebuilding. To be on the safe side, always ensure you have a cover for at least 80% of the resulting cost.

Life insurance

Life insurance is an essential Ontario personal insurance that should be taken by anyone with a dependent spouse, children or other family members. This is the kind of coverage that pays out to your dependents when you are unable to or when you die. The amount of coverage always depends on your financial situation and the amount needed by those who survive to continue enjoying the same living standards. You should also take into account the outstanding debts and education when deciding on the cover that suits you.

Health Insurance

This is the common Ontario personal insurance commonly offered by employers as private medical insurance coverage. However, this can be much more expensive as compared to other types of coverage. You should also check the conditions of your employer’s medical insurance to be aware of any constraints.