Quebec Guides
General Resources
These guides work no matter where you live:
Articles for Quebec
12-Month Look-Back RAMQ: The Asset Audit for Long-Term Care in Quebec
How RAMQ's 12-month look-back audit works — what triggers scrutiny, which asset transfers are flagged, and how to prepare financial records before adm…
Alimentary Obligation to Parents in Quebec: What Children Owe Under Civil Code 585
Quebec law requires children to support parents in need. Learn how Civil Code Article 585 works, when it applies, and how sibling disputes over parent…
Alternatives to Hiring a Private Senior Care Financial Advisor in Quebec
Five alternatives to hiring a private financial advisor for Quebec long-term care costs, from free CLSC social workers to self-service RAMQ guides and…
Appeal a Long-Term Care Decision in Quebec: RAMQ Review and TAQ Process
How to appeal a RAMQ rate reduction decision in Quebec — the 30-day review request, filing with the Tribunal administratif du Quebec, timelines, and w…
Best Quebec Long-Term Care Financial Tool for Families With a Home at Risk
The best financial planning tool for Quebec families facing RAMQ's 12-month look-back when the family home is the largest asset and a parent needs lon…
Best Financial Protection Tool for the Surviving Spouse When a Partner Enters a Quebec Nursing Home
The best tool for protecting a surviving spouse's finances when one partner enters long-term care in Quebec — RAMQ spousal allowance, involuntary sepa…
Does a Nursing Home Take Your Parent's Pension in Quebec?
RAMQ doesn't seize pension cheques — here's how the CHSLD contribution formula actually works, the $349 personal allowance, and how GIS fits in.
What Happens to the Family Home When a Parent Goes to a Nursing Home in Quebec
How RAMQ treats the family home when a parent enters a CHSLD — the $389,677 exclusion, what triggers it, and why selling before placement is usually a…
Financial Assessment for Long-Term Care in Quebec: Income Test and Asset Rules
How RAMQ assesses income and assets for long-term care — the income test formula, asset exclusions, imputed income on excess assets, and what triggers…
Home Care vs Nursing Home Cost in Quebec: The Financial Tipping Point
When does home care become more expensive than a CHSLD in Quebec? A side-by-side cost comparison with subsidies, tax credits, and the real break-even …