You get physiotherapy in Canada through one of three routes: you book directly with a private clinic without a referral, you qualify for government-funded care under your province’s eligibility rules, or you have treatment funded through a workers’ compensation or auto insurance claim. Which route applies to you depends on your age, your health card status, whether you were recently in hospital, and how the injury happened. Below we set out every route, who qualifies for each, what it costs you in effort, where to go, when to start, and what a physiotherapist can determine once you are in the room.

How Do You Get Physiotherapy in Canada?

You get physiotherapy in Canada by choosing among three funding routes and then booking into the setting that route allows. The private route requires nothing but a phone call, the publicly funded route requires you to meet specific eligibility criteria, and the claims route requires an open workers’ compensation or auto insurance file.

Three routes exist because Canadian health coverage treats physiotherapy differently from physician care. A visit to your family doctor is covered by your provincial plan without conditions. A visit for physiotherapy is covered only in defined circumstances, and outside those circumstances it moves to private payment or extended health benefits.

Private clinics carry the majority of the volume as a result. According to the Canadian Institute for Health Information, 21,683 physiotherapists were employed in direct patient care in Canada in 2024, and the number working in community care grew by 725 that year, a rise of 5.5 per cent, compared with 170 more in hospitals, a rise of 3.1 per cent. Community growth outpacing hospital growth reflects where Canadians actually receive treatment. Deloitte, in an economic impact report prepared for the Canadian Physiotherapy Association, found that roughly 15 per cent of Canadians access physiotherapy services each year.

Can You Go to Physio Without a Referral?

Yes, you can go to physio without a referral. Physiotherapists in Ontario and across most of Canada are primary care practitioners, which means you can book an initial assessment directly without seeing a physician first.

Primary care status is the legal basis for that. It means a physiotherapist can assess, diagnose, and treat within their scope without another professional authorizing the visit. Nova Scotia Health states the same principle plainly on its own physiotherapy pages and provides outpatient self-referral forms so patients can enter the public system directly, and the Government of Ontario treats private self-referral as the default path for anyone outside its funded categories.

Self-referral removes the most common delay in musculoskeletal care, which is waiting weeks for a physician appointment before starting treatment that did not require one. That delay is expensive. Research published in Health Services Research in 2018, following more than 150,000 patients with low back pain, found that those who saw a physical therapist first had 87 per cent lower odds of receiving an opioid prescription and 28 per cent lower odds of undergoing imaging services.

What Is the Difference Between Needing a Referral and Needing One for Reimbursement?

Needing a referral to book and needing one for reimbursement are two separate requirements, and confusing them is why many people delay care unnecessarily. Booking is governed by provincial legislation, while reimbursement is governed by your insurance contract.

Your insurance contract can impose conditions the law does not. A number of extended health plans will pay for physiotherapy only if a physician or nurse practitioner has written a referral, even though no referral was required to attend. The clinic will treat you either way. The plan may simply decline the claim afterward.

Check the specific wording of your policy before your first visit rather than after it. A referral obtained in advance costs one physician appointment. A referral obtained retroactively is frequently refused, and the visits already completed become your responsibility.

Can I Get Free Physio in Canada?

Yes, you can get free physio in Canada, but only if you meet your province’s eligibility criteria. Government-funded physiotherapy is gated by age, income support status, residency in long-term care, and recent hospital or surgical treatment rather than being available to everyone with a health card.

Gated access is the consistent pattern across provinces. The Government of Ontario states directly that if your situation is not on its eligibility list, the government will not cover your physiotherapy. Nova Scotia Health delivers publicly funded outpatient physiotherapy through hospitals and community health centres with capacity limits at each site. The Northwest Territories Health and Social Services Authority operates rehabilitation services on a similar referral-gated basis.

Nothing about the gating reflects a judgment on whether you need treatment. It reflects a funding envelope. The practical consequence is that most working-age adults with a musculoskeletal problem will pay privately or claim through extended health benefits, and knowing that upfront saves weeks of phone calls.

Who Qualifies for Government-Funded Physiotherapy in Ontario?

You qualify for government-funded physiotherapy in Ontario if you hold a valid Ontario health card and fall into one of five categories. The five categories are long-term care residents, recent hospital and day surgery patients, people receiving Ontario Works or Ontario Disability Support Program income, adults 65 and older, and children and youth 19 and under.

The five categories, as published by the Ministry of Health, are:

• You are a long-term care resident aged 18 or older.
• You were discharged as an inpatient of a hospital after an overnight stay, or you had an outpatient or day surgery procedure within the last 12 months, and you need physiotherapy for the condition, illness, or injury you were hospitalized for.
• You receive income from Ontario Works or the Ontario Disability Support Program. An OHIP card is not required for this category.
• You are 65 or older.
• You are 19 or under.

Adults between 19 and 64 who are working, insured, and not recently hospitalized fall outside all five categories. That group is the majority of the population and the majority of people searching for how to get physiotherapy, which is why the sections further down deal with the private and claims routes in detail. Eligibility rules apply identically across the province, from Toronto through Markham to Thunder Bay.

Can You Get Physiotherapy After Surgery in Ontario?

Yes, you can get government-funded physiotherapy after surgery in Ontario, provided you had an overnight hospital stay or a day surgery procedure within the last 12 months and the physiotherapy is for that same condition. The 12-month window is the part most people miss.

Twelve months from the date of your procedure is a hard boundary, and eligibility ends when it closes. Patients who complete a course of hospital-based rehabilitation, feel adequately recovered, and then develop stiffness or weakness eight months later often do not realize they still qualify for funded treatment for that same surgical condition. Checking the date of your procedure before assuming you have to pay privately takes one minute and occasionally saves an entire course of care.

Is Physiotherapy Free for Seniors in Ontario?

Yes, physiotherapy is free for seniors in Ontario. Anyone aged 65 or older with a valid Ontario health card qualifies for government-funded physiotherapy, and the age criterion alone is sufficient without any additional condition.

Seniors also have a route that no other group has, which is publicly funded physiotherapy delivered at home. Adults 65 and older who need in-home treatment, whether in their own residence or a retirement home, arrange it through Ontario Health atHome by phoning 1-833-515-1234. Statistics Canada counted more than 7.8 million Canadians aged 65 and older as of July 2024, so the population this applies to is substantial and growing.

Is Physiotherapy Free for Children in Ontario?

Yes, physiotherapy is free for children in Ontario. Anyone aged 19 or under with a valid Ontario health card qualifies for government-funded physiotherapy on the basis of age alone.

Age alone means no diagnosis threshold and no referral requirement applies to the eligibility itself. Parents seeking treatment for a sports injury, a developmental concern, or post-surgical recovery in a child or teenager should check the publicly funded clinic directory before booking privately, since the funded option carries the same clinical standards.

Can You Get Physiotherapy at Home?

Yes, you can get physiotherapy at home in Ontario if you are 65 or older or if you are a long-term care resident. In-home care for seniors runs through Ontario Health atHome, while long-term care residents are referred by the physician or nurse practitioner on staff at their home.

Referral through on-staff clinical staff is how long-term care access works in practice. The physician or nurse practitioner adds physiotherapy to your plan of care and refers you to a registered physiotherapist, who then determines whether treatment is appropriate. Outside those two groups, in-home physiotherapy is available privately from clinics that offer it, and it is not publicly funded.

Is Physiotherapy Covered by WSIB or Auto Insurance?

Yes, physiotherapy is covered by WSIB for accepted workplace injury claims and by auto insurance for injuries from a motor vehicle collision. Both routes are separate from provincial health coverage and separate from your extended health benefits, and both allow treatment to begin before the claim is fully resolved.

Separation from your other coverage matters financially, because a funded claim leaves your extended health maximum untouched for the rest of the benefit year. For a workplace injury, report the incident to your employer and open a Workplace Safety and Insurance Board claim as soon as possible, since delayed reporting complicates approval. Once the claim is accepted, physiotherapy related to that injury is typically billed directly to WSIB rather than to you.

Claims-funded treatment often runs alongside other therapies for the same injury. Where soft tissue healing is the limiting factor, clinics may combine hands-on work with modalities such as laser therapy inside the same funded plan.

How Does Physiotherapy Coverage Work After a Car Accident in Ontario?

Physiotherapy coverage after a car accident in Ontario works through the Statutory Accident Benefits Schedule, a mandatory part of every auto policy in the province. You claim from your own insurer regardless of who caused the collision, which is what the term no-fault refers to.

Your coverage amount depends on how the insurer classifies your injuries under Ontario Regulation 34/10. Injuries falling under the Minor Injury Guideline, which covers sprains, strains, and whiplash-associated disorders, carry a combined medical and rehabilitation limit of $3,500 for everything related to that one accident, including assessments. Injuries classified as non-catastrophic access up to $65,000 in combined medical, rehabilitation, and attendant care benefits.

Notify your insurer promptly and start treatment early, because the Minor Injury Guideline limit is consumed by assessments as well as sessions. Clinics that handle accident claims generally bill the insurer directly, so the administrative work sits with them rather than with you.

Does Insurance Cover Physiotherapy in Ontario?

Yes, most extended health benefit plans in Ontario cover physiotherapy, typically with an annual maximum for the service and sometimes a per-visit limit. Extended health benefits are the primary funding route for the working-age adults who fall outside all five public eligibility categories.

Working-age adults are also the group most likely to hold coverage they have never examined. Plans differ on the annual maximum, on whether physiotherapy shares a pooled limit with other paramedical services, on whether a physician referral is needed for reimbursement, and on whether the clinic can bill the plan directly. Every one of those variables is answerable in a five-minute phone call to your plan administrator.

Shared limits are worth checking specifically. Where physiotherapy, chiropractic, and massage therapy draw from one pooled paramedical maximum rather than separate ones, spending the pool on the service that addresses your limiting factor first produces better value than splitting it evenly.

How Do You Get Cheap Physiotherapy Without Public Coverage?

You get cheaper physiotherapy without public coverage by using direct billing, coordinating benefits across two household plans, timing treatment against your benefit year, applying a health spending account, and asking about student-supervised clinics. Each of these reduces what leaves your own account without reducing the standard of care.

Coordination of benefits is the most under-used of the five. Where two adults in a household each hold extended health coverage, one plan pays as primary and the second frequently covers a portion of the remaining balance, which can substantially extend the total treatment funded in a year. Submitting to only one plan leaves the second maximum unspent.

Benefit-year timing is the second. Most plans reset annually, so a course of treatment starting late in your benefit year can draw on two annual maximums across a handful of weeks rather than one. Health spending accounts, where your employer provides one, cover the balance after your regular plan reaches its limit. Direct billing removes the out-of-pocket step entirely at clinics that offer it, and university-affiliated teaching clinics staffed by supervised students provide a lower-cost option in some regions.

Where Can You Get Physiotherapy?

You can get physiotherapy at a hospital outpatient department, a publicly funded community clinic, a private clinic, in your own home, or in a long-term care home. Your funding route determines which of these five settings is open to you.

Funding determining setting is the practical rule to remember. Government-funded care is delivered only at approved sites, and Ontario publishes a directory of publicly funded physiotherapy clinic locations for exactly that reason. Claims-funded and privately paid care can be delivered at any licensed clinic you choose, which is why the private route offers more control over scheduling, practitioner selection, and appointment length.

Practitioner selection is worth using where you have it. Physiotherapists develop areas of concentration, and matching the practitioner to the problem shortens the timeline. Our physiotherapy team in Markham divides along exactly those lines, with post-orthopedic surgery and complex musculoskeletal cases on one side and sports-specific rehabilitation for runners and court athletes on the other.

How Do You Find a Physiotherapy Clinic Near You?

You find a physiotherapy clinic near you by searching the provincial publicly funded directory if you qualify for government coverage, checking your insurer’s preferred provider list if you have extended health benefits, and verifying registration with your provincial regulatory college in every case. Registration verification takes under a minute and confirms the practitioner is licensed to practise.

Verification matters more than proximity. In Ontario, physiotherapists must be registered with the College of Physiotherapists of Ontario, and the college maintains a public register you can search by name. Beyond registration, useful filters are whether the clinic direct bills, whether it handles WSIB and accident claims, whether appointments are one-on-one for the full booking, and whether evening or weekend times exist that fit your schedule.

How Long Is the Wait for Public Physiotherapy?

Waits for public physiotherapy vary by region and site, and they are driven by workforce capacity rather than by clinic policy. Understaffed regions carry the longest waits, and the national picture explains why.

The national picture is one of steady growth against faster-rising demand. The Canadian Institute for Health Information recorded 30,776 physiotherapists licensed to practise in Canada in 2024, an increase of 5.6 per cent, with supply per 10,000 population rising from 6.3 in 2020 to 6.8 in 2024. Internationally educated practitioners made up 24.8 per cent of that supply, 7,616 people. Even so, analysis published in PLOS ONE in 2024 estimated Canada would need roughly a 62 per cent increase in physiotherapists to reach the average across Organisation for Economic Co-operation and Development countries. The Canadian Occupational Projection System projects 18,700 openings between 2024 and 2033, with annual employment growth of 3.0 per cent against a national average of 1.2 per cent.

Where a public wait would delay treatment past the point of usefulness, starting privately and transferring later is a legitimate option. Early treatment produces better outcomes than perfectly funded late treatment.

When Should You Get Physiotherapy?

You should get physiotherapy as soon as serious pathology has been ruled out, which for most musculoskeletal injuries means within the first week. Early assessment shortens total treatment duration, reduces imaging, and reduces the number of specialist referrals required.

Reduced imaging and referrals are documented rather than assumed. A 2024 retrospective review of 311 patients referred for spine surgery consultation found that early physiotherapy significantly reduced MRI rates and specialist spine surgery consultations at six-month follow-up, while producing functional outcomes comparable to routine care. Fewer scans and fewer specialist visits for the same result is a strong case for booking early.

The sequence below covers the common decision points from the day of injury forward:

1. Day of injury. Rule out emergency signs. Obvious deformity, inability to bear any weight, loss of consciousness, severe uncontrolled swelling, or numbness through the groin and inner thighs all mean emergency care first.
2. Days one to three. Manage load and swelling, keep the area moving gently within comfort, and book your physiotherapy assessment for later in the week.
3. Days three to seven. Attend the initial assessment. This is the window where diagnosis is most useful and where movement patterns have not yet had time to compensate.
4. Weeks two to six. Complete the active phase of treatment. Attend consistently and complete the home program, which supplies far more total loading than the appointments themselves.
5. Weeks six to twelve. Progress load and return to your sport, work tasks, or activity, with appointment frequency tapering as capacity returns.
6. Beyond twelve weeks. If symptoms persist, reassess. Persistent problems are still treatable, and a fresh assessment often identifies a contributor missed the first time.

How Soon After an Injury Should You Start Physiotherapy?

Start physiotherapy within the first week after an injury wherever possible. Early intervention manages pain before compensatory movement patterns establish themselves, and those patterns are considerably harder to unwind once they have been rehearsed for a month.

Rehearsed compensations are the reason delay costs more than it saves. A limp adopted to protect a sore knee loads the opposite hip, the lower back, and the ankle, and each of those can become a separate problem. For post-surgical patients, most orthopedic protocols allow physiotherapy to begin within one to two weeks, and some procedures produce better results when strengthening starts before the operation.

When Should You See a Physiotherapist Instead of a Doctor?

See a physiotherapist instead of a doctor when your problem is mechanical, meaning it changes predictably with movement, position, or load, and when no emergency or systemic signs are present. Mechanical problems are the core of physiotherapy scope and physiotherapists diagnose and treat them directly.

Predictable change with position is the clearest marker. Pain that worsens when you sit and eases when you walk, stiffness that is worst in the first twenty minutes of the morning, or a shoulder that catches at one specific point in its arc are all mechanical presentations. Constant pain that ignores position, pain accompanied by fever or unexplained weight loss, or new neurological changes point elsewhere and warrant a physician. Physiotherapists screen for those presentations at every initial assessment and refer on when they appear.

What Can a Physiotherapist Diagnose?

A physiotherapist can diagnose musculoskeletal conditions, meaning injuries and disorders of the muscles, tendons, ligaments, joints, bones, nerves, and the movement patterns connecting them. A physiotherapy diagnosis is a clinical diagnosis reached through history, physical testing, and special orthopedic tests rather than through imaging.

Clinical diagnosis reached this way is accurate enough to direct treatment in the large majority of musculoskeletal presentations. Nova Scotia Health describes the process the same way on its own service pages: the physiotherapist takes a history, performs a physical assessment, forms a physiotherapy diagnosis, and builds a treatment plan from it. A thorough physiotherapy assessment establishes what structure is involved, how irritable it is, and what load it can currently tolerate.

Can a Physio Diagnose a Torn Ligament?

Yes, a physio can diagnose a torn ligament through clinical testing. Ligament integrity is assessed with specific stress tests that load the ligament in isolation and compare the amount of movement and the quality of the end-point against your uninjured side.

End-point quality is what distinguishes the grades. A ligament with a firm, abrupt end-point is intact. One with excessive movement and a soft or absent end-point is torn, and the degree of laxity separates a partial tear from a complete rupture. Tests such as the Lachman test for the anterior cruciate ligament, the anterior drawer test at the ankle, and valgus and varus stress testing at the knee and elbow are all standard physiotherapy assessment tools with well-established accuracy.

Imaging confirms rather than replaces that finding. Where a complete rupture is suspected or where surgical planning is likely, the physiotherapist refers you onward for imaging and specialist review while beginning the rehabilitation that will be needed regardless of the eventual decision.

Can a Physiotherapist Order an X-Ray or MRI?

Physiotherapists in Ontario do not order diagnostic imaging directly, so an X-ray or MRI is arranged through a physician. This is a difference in ordering authority rather than a limit on diagnostic skill.

Ordering authority sits with physicians and certain other prescribers under provincial regulation, and the practical effect is one extra step rather than a dead end. Where imaging is warranted, your physiotherapist documents the clinical findings that justify it and communicates them to your physician, which produces a faster and better-targeted request than a general complaint of pain would. Treatment continues while the imaging is arranged, since most rehabilitation for a suspected structural injury is identical either way.

What Conditions Does Physiotherapy Treat?

Physiotherapy treats sports and acute injuries, post-surgical recovery, chronic musculoskeletal pain, workplace and repetitive strain injuries, motor vehicle accident injuries, pelvic floor dysfunction, and age-related mobility loss. The common thread is that movement, strength, or load tolerance has been lost and can be rebuilt.

Load tolerance is the concept that links otherwise unrelated presentations. A ruptured Achilles tendon and a decade of desk-related neck pain share nothing on the surface, and both come down to tissue that cannot currently handle what is being asked of it. Chronic back disorders alone affect roughly one in five Canadian adults, according to analysis of Canadian Community Health Survey data published in BMC Public Health.

The table below maps the main condition categories against the funding route that usually applies and the entry point that follows from it.

Condition category	Typical presenting problems	Usual funding route	Where to start
Sports and acute injuries	Sprains, strains, ligament tears, ankle and knee instability	Extended health benefits or private payment	Book a private clinic directly, no referral needed
Post-surgical recovery	Joint replacement, rotator cuff repair, ligament reconstruction, fracture recovery	Publicly funded if within 12 months of the procedure	Check the funded clinic directory before booking privately
Chronic musculoskeletal pain	Low back pain, neck pain, frozen shoulder, tendinopathy, sciatica	Extended health benefits, or public funding if 65+ or on income support	Confirm eligibility category first, then book
Workplace and repetitive strain	Desk-related pain, postural dysfunction, lifting injuries	WSIB where the claim is accepted	Report to your employer and open the claim first
Motor vehicle accident injuries	Whiplash, soft tissue injury, fractures, concussion-related symptoms	Statutory Accident Benefits Schedule through your own auto insurer	Notify your insurer, then book a clinic that handles accident claims
Pelvic floor dysfunction	Bladder control, pregnancy and postpartum recovery, pelvic pain	Extended health benefits or private payment	Book directly with a clinic offering the service in a private room
Age-related mobility loss	Balance decline, falls risk, arthritis, general deconditioning	Publicly funded from age 65, including in-home care	Contact Ontario Health atHome for in-home assessment

Sources: Government of Ontario, Ministry of Health, eligibility criteria for government-funded physiotherapy; Ontario Regulation 34/10, Statutory Accident Benefits Schedule; Workplace Safety and Insurance Board claim guidance; College of Physiotherapists of Ontario scope of practice standards.

Several of these categories respond faster when physiotherapy runs alongside a second approach. Persistent pain that limits how much loading you can tolerate often improves once acupuncture lowers the sensitivity enough for strengthening to begin.

Foot and gait mechanics deserve a separate mention, because they load the knee, hip, and lower back from the ground up. Where the assessment traces a knee or back problem to the way your foot strikes, custom orthotics address a cause that treatment aimed at the painful area alone will not reach.

Rebuilding capacity, rather than only relieving symptoms, is what separates a durable result from a temporary one. Structured exercise rehabilitation carries that phase for most conditions in the table.

Joint and spinal restriction is the other frequent limiter, and chiropractic care addresses it directly where segmental stiffness is holding back progress.

Conditions involving the pelvic floor sit slightly apart from the rest of the table. They are treated one-on-one in a private room through dedicated pelvic floor therapy rather than folded into a general plan.

What Do You Need to Book a Physiotherapy Appointment?

To book a physiotherapy appointment you need your contact details, a brief description of your problem, your benefits information if you plan to use direct billing, and a claim number if your treatment is funded through WSIB or auto insurance. No referral, no diagnosis, and no imaging are required to make the booking itself.

A physiotherapy appointment can be arranged online or by phone, and the booking call typically takes under five minutes. You will be asked what the problem is, when it started, and whether it relates to a workplace incident or a collision, since those answers determine which type of appointment gets scheduled and how billing is set up. Bring your identification, your benefits card, any imaging reports, and a list of your medications to the visit itself.

Booking also gives you the chance to ask whether a second approach belongs in the plan from the start. Our full range of rehabilitation services is coordinated under one roof, so a plan combining two practitioners is arranged at the same time rather than as a separate referral weeks later.

Once the appointment is made, the remaining question is what happens inside it. Our full walkthrough of the initial assessment, the movement testing, what to wear, and the first two days afterward covers that ground in detail.

Frequently Asked Questions

Does OHIP Cover Physiotherapy?

OHIP covers physiotherapy only for specific groups: long-term care residents aged 18 and over, people discharged from hospital or day surgery within the last 12 months for that condition, recipients of Ontario Works or ODSP income, adults 65 and older, and anyone 19 or under. Everyone outside those categories pays privately or claims through extended health benefits.

Do I Need a Doctor’s Referral for Physiotherapy?

No, you do not need a doctor’s referral for physiotherapy in Ontario. Physiotherapists are primary care practitioners and you can book directly. Some extended health policies require a referral for reimbursement even though none is required to attend, so confirm your policy wording before your first visit.

Why Is It Hard to Get Physiotherapy?

Physiotherapy can be hard to access because demand is growing faster than the workforce, particularly in publicly funded settings. Analysis published in PLOS ONE in 2024 estimated Canada would need roughly a 62 per cent increase in physiotherapists to reach the OECD average, and the Canadian Occupational Projection System projects annual employment growth of 3.0 per cent against a national average of 1.2 per cent. Private clinics generally have far shorter waits than public programs.

Can a Physiotherapist Diagnose You?

Yes, a physiotherapist can diagnose you. Physiotherapists form a clinical physiotherapy diagnosis of musculoskeletal conditions using history taking, physical examination, and special orthopedic testing, then build a treatment plan from that diagnosis. Where a condition falls outside musculoskeletal scope, they refer you to a physician.

Is Physiotherapy Covered by WSIB?

Yes, physiotherapy is covered by WSIB for accepted workplace injury claims, and clinics typically bill the board directly rather than charging you. Report the injury to your employer and open the claim promptly, since delayed reporting can complicate approval. Coverage applies to treatment related to the accepted injury.

Can You Get Physiotherapy at Home in Ontario?

Yes, you can get publicly funded physiotherapy at home in Ontario if you are 65 or older, whether you live in your own home or a retirement home. Arrange it through Ontario Health atHome at 1-833-515-1234. Long-term care residents access it through the physician or nurse practitioner on staff, and everyone else can arrange in-home treatment privately.

The Bottom Line

Getting physiotherapy comes down to identifying which of the three funding routes is yours and then acting on it quickly. If you are 65 or older, 19 or under, on income support, living in long-term care, or within 12 months of a hospital stay or day surgery, government funding is available and worth checking before you pay for anything. If your injury happened at work or in a collision, a WSIB or auto insurance claim funds the treatment separately from your other coverage. If none of those apply, extended health benefits and private booking are your route, and no referral stands between you and an initial assessment.

Timing matters more than the route you land on. Treatment that starts in the first week produces better outcomes, fewer scans, and fewer specialist referrals than treatment delayed while the paperwork is sorted out. KC Rehab takes new patients in Markham through all three routes, with direct billing available and accident and workplace claims handled at the front desk.

If you are not sure which route applies to your situation, that is a normal place to start from, and it is answerable in a short conversation. You are welcome to contact us whenever you are ready.