The report identifies the modifications in your home that may qualify for these programs, and gives you measured detail a contractor can quote from. It is not itself an application, a certification, or a quote. Where a program asks for a written cost estimate or receipts, those come from the contractor you hire. Where a program requires a clinical assessment, that comes from a health professional.
Alberta
SHARP — Seniors Home Adaptation and Repair Program
SHARP offers low-interest home equity loans to Alberta seniors for home adaptations and repairs, and grants for essential repairs to lower-income seniors who do not qualify for a loan. It is administered by the Government of Alberta.
| What it is | A low-interest loan secured against home equity, with a grant stream for essential repairs |
|---|---|
| Who it is for | Alberta seniors aged 65 and over who own and live in their home |
| Maximum loan | $40,000 |
| Income test | Total annual household income of $75,000 or less |
| Equity requirement | At least 25% equity retained in the home |
| What it asks you for | A written cost estimate for the work, or receipts. These come from your contractor, not from us. |
Source: Government of Alberta, Seniors Home Adaptation and Repair Program. Checked 20 September 2026. Alberta also lists the Residential Access Modification Program (RAMP) as a related program — worth checking if the person needing the modification uses a wheelchair.
Alberta
AADL — Alberta Aids to Daily Living
AADL cost-shares essential medical equipment and supplies: walkers, bathing equipment, home care beds and similar items. It funds equipment rather than renovation, so it sits alongside the other programs rather than overlapping them.
AADL requires a clinical assessment by an authorised health professional. Our report is not that assessment and cannot substitute for it. What it can do is give the assessing clinician measured environmental data — doorway widths, transfer heights, clearances — on the first visit instead of the second.
Who assesses: an AADL-approved Authorizer or Specialty Assessor. In practice that is an occupational therapist, physiotherapist or registered nurse, depending on the benefit.
In Calgary specifically: AADL authorisation for bathroom equipment such as raised toilet seats, commodes, shower seats and wall bars routes through Calgary’s Integrated Home Care team via Community Care Access.
Six-month rule: AADL does not fund short-term needs. The equipment has to be needed for longer than six months.
AADL’s own program manual says the assessment should be carried out in the client’s home wherever possible, precisely so that unsuitable equipment is not authorised. Measured environmental data helps that assessment; it does not replace it.
Note on what is and is not covered. Bath seats, bath benches, bath boards, grab bars, raised toilet seats and commodes appear on the AADL approved product lists. A hand-held shower head does not appear on those lists — treat it as a modification you pay for, not an AADL benefit, unless AADL tells you otherwise. Only one bathing aid and one toileting aid are funded per function.
Sources: Government of Alberta, AADL eligibility and application for benefits; AADL Approved Product Lists B and G; Alberta Health Services AADL program listing. Checked 20 September 2026.
Federal
Home Accessibility Tax Credit (HATC)
A non-refundable federal tax credit of 14% (the 2026 rate; 14.5% for 2025) on up to $20,000 of eligible accessibility expenses in a year — a maximum credit of $2,800. It applies to qualifying renovations that make a home safer or more accessible for a person aged 65 or over, or a person eligible for the disability tax credit.
The CRA wants your receipts. Keep every invoice from the contractor. Our report helps identify which modifications may qualify and documents why the work was needed, which is useful supporting material — but the claim rests on your receipts, not on our report.
Source: Canada Revenue Agency, Line 31285 — Home accessibility expenses. Checked 20 September 2026. Tax rules change; confirm the current limits on the CRA page before filing, and speak to your tax preparer.
Federal
Multigenerational Home Renovation Tax Credit (MHRTC)
A refundable federal credit of 14% (the 2026 rate; 14.5% for 2025) on up to $50,000 of expenses — a maximum of $7,000 — for creating a self-contained secondary unit so that a senior, or an adult eligible for the disability tax credit, can live with a qualifying relative.
This one is relevant in a narrower case: where the assessment concludes the current home cannot reasonably be adapted to support the person safely, and the family is considering a suite in a relative's home instead.
Source: Canada Revenue Agency, Multigenerational Home Renovation Tax Credit. Checked 20 September 2026.
In practice
Funding follows the work, not the other way round.
Almost every program above wants either a contractor's written estimate or receipts from completed work. Both come after somebody has established what the work involves.
That is the case for assessing first: an application supported by measurements, a specific scope and a real quote is a far stronger application than one built on a general sense that the bathroom is unsafe.
Sequence
The order that usually works.
- Find out what needs doing. An assessment, or your own careful walkthrough, so you know what the work involves before asking anyone to pay for part of it.
- Get written quotes. From licensed contractors, for the specific items. SHARP wants an estimate or receipts; the CRA wants receipts. Both come from this step.
- Check eligibility on the official page. Rules and dollar figures change. Every program above links to its source.
- Apply before you commit where the program requires it. Some programs will not fund work already done. Read the order of operations on each page carefully.
- Keep every receipt. Tax credits are claimed after the fact and audited after that.
This page summarises publicly available program information as a starting point. It is not advice about your situation. Confirm everything on the official pages linked above, and speak to your tax preparer about the credits.