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Old 09-21-2015, 10:18 AM
 
Location: Canada
3,872 posts, read 2,709,319 times
Reputation: 5060

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Quote:
Originally Posted by Mahrie View Post
No, Canadians do not have universal medical care. Canadians pay varying amounts, according to their income level, to the Provincial Government to cover whatever health care they may need -- even if they don't need any. Prescriptions, eye care, and dentistry etc., are not included in what the .gov will pay for. Healthcare premiums in Canada are expensive and mandatory. One cannot choose to opt out of the program.
I'm curious, Mahrie. Where do you live in Canada? I was born in Canada and have lived and worked in 4 different provinces - Quebec, Ontario, Alberta and Manitoba. I have NEVER paid a separate health care premium to the provincial government where I lived. NEVER.

What I have paid are income taxes (the more earned, the more paid) which I know would have been much lower without our health care system. I do recall that Quebec had a separate calculation within the income tax form with respect to health care but the other provinces didn't bother, just factored the cost into their income tax rates.

I went years at a time without using the healthcare system and never regretted paying into it. When I was a teenager my father had cancer and I never forgot him saying that without our system, our family would have been bankrupt. It was a scary thought and I never forgot.

My province of Manitoba will cover drug costs, above a certain amount, for low income seniors. For all ages they will also cover the costs of chemo drugs, drugs administered in hospital, and drugs administered in a nursing home. Hospital stays are also free for everyone.

 
Old 09-21-2015, 10:25 AM
 
39,168 posts, read 20,270,715 times
Reputation: 12709
Quote:
Originally Posted by lchoro View Post
You're mixing up using an income trust to qualify for Medicaid with using an irrevocable trust to protect assets from Medicaid's estate recovery program. They're not the same. Some states have passed laws opening up to allowing the use of income trusts to become eligible for Medicaid.

New Jersey Medicaid to Institute Qualified Income Trust Program, Effective December 1, 2014Rubenstein, Meyerson, Fox, Mancinelli, Conte & Bern, P.A.

It seems Pennsylvania already allows for exclusion of trust funds in determining eligibility for Medicaid.

Medical Assistance General Eligibility Requirements

The priority here should be to get your mom the care she needs. Not getting your inheritance is something that may be unpreventable at this late stage.
What the H** is wrong with you????? I have stated SEVERAL TIMES that the house is NOT the issue yet you seem HELL BENT on accusing me of worrying about an inheritance. EVEN IF! the house could have been saved we would have borrowed against it, using the money TO PAY FOR HER CARE. Once she passes we would have sold the house, paid off the loan and been done with it. AND if I had known then what I know now I would have insisted that she pass the house so we could use it TO PAY FOR HER NEEDS!

I really don't know why you are being so thick headed. Why do you keep trying to spin it???? We kids get out of it, nothing, nada, not a thing only to know that she gave us the tools to take care of her the best that we could.

Regardless, she did not do what she should have and it is us kids who will pay. But when it comes our time, we will have less to work with because we had to pay for her care. What part don't you get?

Last edited by petch751; 09-21-2015 at 10:45 AM..
 
Old 09-21-2015, 10:33 AM
 
39,168 posts, read 20,270,715 times
Reputation: 12709
Quote:
Originally Posted by Ringo1 View Post
Well, I do get what you are saying, I guess we just differ in who we blame. I blame the system, and the fleecing of the middle class by both the wealthy and the poor - not JUST the poor.

And I still miss my Dad.
Actually, I can agree with you that the fleecing of the middle class is done by BOTH the "wealthy and the poor". .
 
Old 09-21-2015, 10:41 AM
 
Location: 48.0710 N, 118.1989 W
590 posts, read 523,536 times
Reputation: 874
Or just live a healthy lifestyle your whole life...dont smoke, dont do drugs, dont consume alcohol in excess, exercise and eat right and you won't have to worry about nursing home costs and all that crap.....
 
Old 09-21-2015, 10:44 AM
 
39,168 posts, read 20,270,715 times
Reputation: 12709
Quote:
Originally Posted by crf450ish View Post
Or just live a healthy lifestyle your whole life...dont smoke, dont do drugs, dont consume alcohol in excess, exercise and eat right and you won't have to worry about nursing home costs and all that crap.....
What class usually does not live the healthy lifestyle, who smokes, does drugs, hangs out at the local bar and eats too much comparative to their level of activity?
 
Old 09-21-2015, 10:56 AM
 
39,168 posts, read 20,270,715 times
Reputation: 12709
Quote:
Originally Posted by Ringo1 View Post
Well, I do get what you are saying, I guess we just differ in who we blame. I blame the system, and the fleecing of the middle class by both the wealthy and the poor - not JUST the poor.
Like I said, I agree, both the wealthy and the poor are guilty of fleecing the middle class but recently all we hear is attacks on the rich and coddling of the poor. The poor acting as if they are guilt free and then join in the chorus of attacks. As if being poor is some kind of badge of honor. We as a society are allowing excuses, accepting their blame game which gives them a pass from looking at their own mistakes, gives them a pass from learning from their mistakes and make changes.

If you can not admit fault, you can't do anything to change it right, because you don't think you are at fault. And round and round we'll go, enabling poverty.

If what you are doing isn't working, then change what you are doing!

Common sense right?
 
Old 09-21-2015, 11:59 AM
 
Location: california
920 posts, read 645,761 times
Reputation: 1065
Quote:
Originally Posted by Mahrie View Post
Morning OutdoorseyGal!

I understand perfectly what's being said here, but it seems to me that many are confusing low-income families with families who sit around on welfare and do nothing to contribute to society. There are many reasons why people do not earn a lot of money, and laziness isn't anywhere near the top of that list.

No, Canadians do not have universal medical care. Canadians pay varying amounts, according to their income level, to the Provincial Government to cover whatever health care they may need -- even if they don't need any. Prescriptions, eye care, and dentistry etc., are not included in what the .gov will pay for. Healthcare premiums in Canada are expensive and mandatory. One cannot choose to opt out of the program.

AND healthcare in Canada is lousy, by the way. One may wait a year for an 'urgent' appointment with a specialist. The last appointment I made with my family doctor was nine weeks prior to going -- that was their earliest available opening. I ended up in the ER several days after making the appointment.

Hope this helps,


Mahre.
Thank you Mahre. It does help very informative
 
Old 09-21-2015, 12:03 PM
 
Location: california
920 posts, read 645,761 times
Reputation: 1065
Quote:
Originally Posted by bigpaul View Post
in Britain if you are living in an "old peoples home" and own your own home you have to sell that house to pay for your stay in the home.
That makes sense. But an old peoples home is pretty expensive, it makes more sense to pay their kin less to take their parent home imho. But if you are middle class, forget it. Only the poor get to do that.

The middle class here in America are very discriminated against regarding healthcare. There can be many valid reasons people are poor but the middle class generally got that way because of their own efforts. And it works against them for doing the right thing, working hard, versus a high percentage of the poor who are also generally that way, due to their own efforts. Or lack thereof. Let me clarify though, it is very difficult to jump from poor to middle class and often, not the blame of the person but how our society is set up. JMHO
 
Old 09-21-2015, 12:44 PM
 
Location: Wisconsin
7,215 posts, read 7,886,572 times
Reputation: 7740
Quote:
Originally Posted by crf450ish View Post
Or just live a healthy lifestyle your whole life...dont smoke, dont do drugs, dont consume alcohol in excess, exercise and eat right and you won't have to worry about nursing home costs and all that crap.....
Or you could do all of that, and still be struck with a hereditary disease, or get involved in an unforeseen accident. The best laid plans can be laid to waste pretty quickly in this life.
 
Old 09-21-2015, 12:53 PM
 
Location: St. Louis, Missouri
9,352 posts, read 16,781,969 times
Reputation: 11458
Quote:
Originally Posted by Ringo1 View Post
Ringo is a she. I didn't get from your thread that you were paying out of pocket for your Mom- but rather the whole 'spending down' and/or 'recovery' in the form of her home were what was making you so miserable.

Had my father required a nursing home - that would NOT have come out of my pocket and nor should it come out of yours.

He planned well; it would have taken some time for him to 'spend down' his money and then - Medicaid would have kicked in. So would that have come out of my pocket? No.

Bottom line, it is difficult to live with a very elderly person on the one hand and a teen-ager on the other; but this is how we made it work. PLUS, my father planned it so he was going to have a very nice retirement income and savings. We did NOT have the big, fancy house or cars growing up. My parents' were savers.

Move your Mom in with you. Hire someone like Home Instead to come daily; it can be done.

Stop blaming all your life problems on the poor. Start planning NOW so that you won't be a financial burden to your children.
I remember when your Dad was living with you.... sorry to hear of his passing.... seems our paths don't cross as much as they used to!!

and yes, if I recall correctly, Petch's mom has some SS income..... wonder why she can't move in with one of the kids, sell mom's house and use THAT money plus the SS income to pay for an aide like your Dad had....



Quote:
Originally Posted by lenora View Post
Poor, poor Petch. All of those posts in other forums screaming/whining/crying about the poor... And now this. No wonder she is upset.

http://www.city-data.com/forum/39133556-post92.html

Karma's a b****.
LOL .... that explains a lot....

Quote:
Originally Posted by petch751 View Post
Exactly I too have money set aside to take care of our elderly years but it's going to take more. If instead of building my safety net I'm paying thousands a month to help take care of my mother, what happens when it's my time. I may not have enough.

Of course people who fit below the income limit won't have to worry about such things.

Sadly, that's why if you can't build up a huge safety net yourself, and can't afford insurance you need to understand medicare and medicaid.
what are you paying thousands of dollars for??

Quote:
Originally Posted by cdnirene View Post
I'm curious, Mahrie. Where do you live in Canada? I was born in Canada and have lived and worked in 4 different provinces - Quebec, Ontario, Alberta and Manitoba. I have NEVER paid a separate health care premium to the provincial government where I lived. NEVER.

What I have paid are income taxes (the more earned, the more paid) which I know would have been much lower without our health care system. I do recall that Quebec had a separate calculation within the income tax form with respect to health care but the other provinces didn't bother, just factored the cost into their income tax rates.

I went years at a time without using the healthcare system and never regretted paying into it. When I was a teenager my father had cancer and I never forgot him saying that without our system, our family would have been bankrupt. It was a scary thought and I never forgot.

My province of Manitoba will cover drug costs, above a certain amount, for low income seniors. For all ages they will also cover the costs of chemo drugs, drugs administered in hospital, and drugs administered in a nursing home. Hospital stays are also free for everyone.
I think universal health care is the only way to go, really.... think how far our money would go if the for profit insurance carriers were eliminated..... I pay roughly $500 a month for my health insurance premium... I would MUCH rather see all that money go into a single pool for coverage for all and cut the bloated insurance carriers completely out of the picture.....

and Irene, I bet your drug costs are NOTHING like ours.....

sorry, Ringo.... I know you have something to do with insurance, so this was not directed at you!!
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