Canadian laws have regulated Canadians into "thinking inside the box" when it comes to their homes. Innovation is often restricted by "housing rules" which include ‘larger is better' and ‘one house per lot is best.' Canada Mortgage and Housing Corporation, the federal housing agency, promotes ‘thinking outside the box' that breaks through these rules to embrace innovations such as garden suites—small, self-contained homes added to the lot of an existing single-family house.

Garden suites combine care giving and independence-enabling features in one solution to the varied housing challenges that face our growing population of senior citizens and their families. This type of housing gives each elderly resident the best of both worlds: the privacy and independence of having one's own home combined with the companionship and peace of mind gained by having caring family members close at hand.

Wilf Gillberry, president of Oshawa-based Garden Units Leasing Ltd., sees growing demand, largely as a reaction to the cost of retirement housing: "Today, we are all seeking lower taxes which means less public funding directed towards eldercare. Eight-five percent of eldercare is in the care component not the accommodation. If the family looks after their grandparents at no cost other than mutual love and affection, this is a huge amount of money saved."

Garden suites, originally known as granny flats and frequently called care units, allow elderly individuals and couples to remain on their own property, or that of a family-member. Additional benefits include elimination of the stresses of isolation and relocation. Garden suites are not apartments but temporary (portable or prefabricated) one-storey, basement-less, one or two bedroom homes added to an existing property to house elderly and/or disabled people who wish to live independently but may need some help to do so.

Although this housing option is a proven retirement-housing alternative in Australia, local Canadian municipal governments have given garden suites a cool reception. Those interested in having a garden suite often find their plans altered, delayed or aborted by municipal zoning bylaws, which regulate land use and building standards on a property by property basis. Gillberry says that municipalities nervous of garden suites are concerned that the unit would be used to house the non-elderly, potentially straining on-street parking and school systems. He feels the solution is not individually purchased or built garden suites but leased units.

"These care units should be regarded as an article which you hire from a local rental," said Gillberry. "When the care unit has fulfilled its specific function, you return this piece of equipment to the rental agency. The business opportunity lies in the sheer number of people interested."

Canada Mortgage and Housing Corporation's 1989 national garden suite demonstration led to government projections of 213,000 families potentially interested in a garden suite.

Variations on the garden-suite concept, for elderly individuals or couples, include:

• A retired homeowner retaining ownership of the property, moving into a garden suite and letting family members "blood-related or extended" take over the main house;
• A retired homeowner selling or giving the property to a family member or members with the provision that the retiree may live in a garden suite on the property;
• A retiree moving into a unit on a family members property;
• A retiree and family members jointly buying a property, perhaps a recreational property, with the agreement that the retiree would have a garden suite and the others would use the house or cottage;
• A grandchild affording a house by hosting a grandparent's garden suite in exchange for financing.

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Published: September 14, 1999

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Futurist and Strategist PJ Wade is "The Catalyst" -- intent on "Challenging The Best Become Even Better." PJ earned this title by translating the dynamic impact of Boomers and their multi-generation families into relevant insights that start people thinking and taking action—in business and in life. Author of 7 books and more than 1600 published articles, PJ encourages individuals to become their own futurist. PJ writes and speaks about the insight, knowledge and solid decision-making skills that professionals and their clients need to live and work in this vortex of change. For instance, since PJ knows that home is headquarters for the new decades-long "unretirement," she wrote the popular book "Reverse Mortgages: Best Friend, Worst Enemy... Your Choice! (CatapultPublishing.com), which is filled with suggestions and insight on protecting and using home equity. Her new business book, "What's Your Point?," which identifies 7 common mistakes professionals unknowingly repeat to their detriment, will be published in 2009. As The Catalyst, PJ provides strategic communication, client appreciation and advanced education services to the financial, tourism, lifestyle and service sectors -- and the clients they serve. A frequently-quoted financial and business commentator, PJ is a thought-provoking strategic speaker who offers practical, real-life suggestions on leaving "the box" behind and embracing Forward Thinking -- a talent she regularly demonstrates in this column. For more on blogs, books and topics, visit TheCatalyst.com.