Families across Ontario planning for long-term care will see slight increases to accommodation costs in LTC homes starting July 1, 2025. These new rates, released by the Ministry of Long-Term Care, reflect standard inflation adjustments and help cover rising food and accommodation costs.

Whether you're helping a parent transition into care or budgeting for your own future, understanding these new rates—and how they compare to previous years—can help you make informed decisions.

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2025 Long-Term Care Co-Payment Rates in Ontario

Here’s a breakdown of the new daily and monthly rates for long-stay residents in LTC homes, starting July 1, 2025:

• Basic $2,085.37 (was $2,036.40)
• Semi-Private $2,371.59 – $2,514.24* (was $2,455.24)
• Private $2,728.38 – $2,979.32* (was $2,909.36)
• Short-Stay (Respite) $44.38/day (was $43.34)

*The high end of the range is for newer beds. Newer beds are classified as "NEW" or "A" by the Ministry of Long-Term Care, while older beds are classified as "B", "C", "Upgraded D" or "D".

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How Much Have LTC Rates Increased?

The 2025 co-payment for basic accommodation increases by $1.61 per day, rising from $66.95 to $68.56—a 2.4% increase. This change mirrors Ontario’s inflation rate and is consistent with historical trends:

• Annual LTC rate increases are typically tied to the Consumer Price Index (CPI), capped at 2.5% per year.
• Over the past decade, Ontario families have seen modest yearly increases of 1.5–2.5%, depending on inflation.

For example:

• In 2023, the basic daily rate rose by $1.55
• In 2024, it increased by another $1.60

These regular adjustments help homes manage the rising costs of meals, maintenance, and staffing while ensuring care remains accessible.

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Financial Support: What If You Can’t Afford the New Rates?

Ontario offers a Rate Reduction Program for residents who cannot afford the full basic rate. Here’s how it works:

• If you’re already receiving a rate reduction, you must reapply for the 2025–2026 cycle.
• The current term ends June 30, 2025, and the new rate begins July 1.
• Applications are handled through your LTC home, and staff will help with the paperwork.

To be eligible, your income must fall below a certain threshold, and the subsidy only applies to basic accommodation, not semi-private or private rooms.

For more information, contact your LTC home administrator or email [email protected].

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Why This Matters for Ontario Families

Many people confuse long-term care homes with retirement homes—but they are very different. Long-term care homes are regulated, publicly subsidized, and designed for people with high medical or physical needs. Prices are consistent across Ontario, but every long-term care home has a waitlist, and features such as the amenities, culture, and rooms will vary from home to home.

Elderado make it easier for families to:

• Compare LTC homes by location, room type, and availability
• See inspection reports and services offered
• Contact homes with your questions

Whether you’re planning ahead or responding to a sudden health change, being informed is important.

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✅ Key Takeaways

• Basic LTC rate increases to $68.56/day ($2,085.37/month) on July 1, 2025
• Semi-private and private rooms also see small increases
• Rate Reduction Program applications must be renewed by June 30
• Year-over-year increases follow inflation, typically up to 2.5%
• Compare and plan easily with Elderado.ca

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🔍 Looking for Long-Term Care in Ontario?

Elderado is a free tool that helps families find and compare every long-term care home in Ontario. From current waitlists to sample menus and virtual tours, Elderado brings clarity to a complex system. Start your search today.