Is Private Healthcare coming to Ontario? | Page 4 | GTAMotorcycle.com

Is Private Healthcare coming to Ontario?

There is a path that can help some of today's seniors. Pick a point where public funds are no longer allocated to extend life. Most nursing homes are full of zombies. Many have no quality of life. Many beg for death daily. This goes on for many years. If you stopped allocating money to keep zombies that want to die alive, there are more resources (space, staff and money) to be used for those that still have quality of life but need assistance. An easy first step would be pre-emptive maid declaration. While you are of sound mind, outline the conditions that must be met for you to no longer want to live. Current rules require you to be of sound mind at the time so if your mind goes, you can be a zombie for decades.
Sign me up.
 
Come on -_-"

WHY WHY WHY

Can't remember where I read it, but the medical field is losing people (and less entering) because the amount of work, debt, and bullcrap in it is just not worth it any more.

And hell if my work consisted of 'let me google the symptoms' I'd be in all over that one.
Yup. Move to the US if you have a degree

In recent news. Doug Ford let PSWs keep their COVID-19 pandameic pay raise so now they are only ~$1-4/hour off a RPN but he still will not repeal Bill 124. It's way less work to become a PSW than a RPN.
 
Come on -_-"

WHY WHY WHY


Yup. Move to the US if you have a degree

In recent news. Doug Ford let PSWs keep their COVID-19 pandameic pay raise so now they are only ~$1-4/hour off a RPN but he still will not repeal Bill 124. It's way less work to become a PSW than a RPN
IIRC that only applies to PSW's in certain situations. Basically this kills home care (CCAC) as they are unable to get PSW's to work for them. More stupidity from Douggie. He is really circling the drain recently.
 
IIRC that only applies to PSW's in certain situations. Basically this kills home care (CCAC) as they are unable to get PSW's to work for them. More stupidity from Douggie. He is really circling the drain recently.

Probably a way to create some new mega private hospital by 2050.......

Bye bye defined benefit pension plans
 
IIRC that only applies to PSW's in certain situations. Basically this kills home care (CCAC) as they are unable to get PSW's to work for them. More stupidity from Douggie. He is really circling the drain recently.
Getting PSW isn't a problem if you have enough money. For about $1,000 a week you get a PSW for five full days. They don't do multiple patients in multiple locations so germ spread is minimal. For 24/7 care multiply by 4.

The PSW is better off as well, knowing their day and not having to run around doing part time.

I have yet to hear anything good about CCAC. Decent care is a DIY project for people with funds.

There are numerous options. One PSW shift is about the same as LTC. It only works if there are available assets in the family. There are social issues like keeping senile granny locked away when there is company. Ramps, wheelchairs and stair lifts don't fit in Architectural Digest layouts.
 
A private/public hybrid system can work, as proven in Australia, but I'm pretty sure the likes of Doug Ford and Justin Trudeau would botch it up and end up costing the taxpayers more with zero return/benifit in the long run..

I feel the biggest issue in canada is the "number" of hospitals. Say in a place like markham stouffville. There is 1 hospital servicing close to half a million people. That's 1 emergency room.

Then take the gold coast in Australia which is a little more in population 600k ish. There are 2 public hospitals and 4 private hospitals. That's 6 emergency rooms. Take into account as mentioned in this thread, GPs in canada send people to emergency for basic stuff like stitches, which doesn't happen in Australia (unless afterhours).

The system in Canada feels broken but not sure if private hospitals can fix it.
 
A private/public hybrid system can work, as proven in Australia, but I'm pretty sure the likes of Doug Ford and Justin Trudeau would botch it up and end up costing the taxpayers more with zero return/benifit in the long run..

I feel the biggest issue in canada is the "number" of hospitals. Say in a place like markham stouffville. There is 1 hospital servicing close to half a million people. That's 1 emergency room.

Then take the gold coast in Australia which is a little more in population 600k ish. There are 2 public hospitals and 4 private hospitals. That's 6 emergency rooms. Take into account as mentioned in this thread, GPs in canada send people to emergency for basic stuff like stitches, which doesn't happen in Australia (unless afterhours).

The system in Canada feels broken but not sure if private hospitals can fix it.
Well since every Ontario hospital "needs" a CEO and management team, more hospitals will drive costs to the moon. If we called them general managers (which they are), the compensation package would be far different. I don't know how we got to the point where the public sector employed hundreds of "CEO's".
 
Interesting that Legault is doing the same thing in Québec at the same time Ford is doing it in Ontario.

Legault is claiming that the end user will not have to pay for any services and that your health card will still cover everything.

I left Ontario in late 2019 and only ever had good experiences with the healthcare system, and then I moved to Québec and it's been a nightmare.
 
Earlier I commented about a time machine and basically saying prepare for old age as soon as you start working. CPP does part of that but life isn't simple. A retired couple that had decent incomes but accumulated no savings or real estate would have to live on less than $4,000 a month. A lot don't get that. Possibly Guaranteed income would help.

Where I live the nearest grocery store is a 30 minute walk away and too far for most seniors, especially in winter carrying bags. Sub $4000 a month may not allow a car in the budget. Delivery or taxi adds costs.

Where I grew up the grocery store was three minutes away walking and longer by car due to one way streets. That's possible for a lot more seniors. There were houses in the area that had been converted to doctors offices. The houses in that area are now mostly converted to apartments and rent isn't cheap.

However they don't build integrated neighbourhoods any more. Mega malls, medical malls and big box stores miles away from affordable housing is the norm.

It's assumed that people will always have cars. Walking anywhere doesn't seem to be a consideration. How far does a person have to walk to get to reasonable public transportation? On top of the expense of a car we have to look at the seniors that shouldn't be driving.

Ideally one should start an RRSP with their first paycheck but if the government sees that as the norm they will likely re-arrange budgets to spend the freed up money to buy votes and reward supporters. Saving for retirement when saving for a house isn't realistic for most. There are some perks for first time buyers but RRSP limits aren't sufficient to play market catch up.

Summary: More and more people are being led into unhealthy lifestyles. Medical advances will keep them alive but with increasing costs. The ability to DIY for housing is being minimized and housing for seniors is a large part of the cost. A senior homeowner can sell or reverse mortgage to buy or upgrade healthcare. A renter is stuck, especially as rents go crazy. Poorly run condos can become a financial death trap with special assessments.

I don't see this ending well.

P.S. Reverse mortgages suck
 
@nobbie48

I'm legit curious about how you feel regarding the fact that most millennials and younger do not have pensions or RRSPs so we have to make our own investments and plan accordingly. As a result, some of us (including me) have zero empathy for the situation you're describing because it's the one we'll be partaking in. If I had a choice, I'd opt out of CPP entirely. Also worth noting I had multiple college and university professors talk about how the CPP system was made so most would die before taking CPP out (makes sense, save money.) Since life expectation has gone up....this is another huge money sink.

But, as you said, there are people far worse off due to not being able to afford housing or living pay cheque to cheque.

......holy ****, I guess the class system never died.
 
@nobbie48

I'm legit curious about how you feel regarding the fact that most millennials and younger do not have pensions or RRSPs so we have to make our own investments and plan accordingly. As a result, some of us (including me) have zero empathy for the situation you're describing because it's the one we'll be partaking in. If I had a choice, I'd opt out of CPP entirely. Also worth noting I had multiple college and university professors talk about how the CPP system was made so most would die before taking CPP out (makes sense, save money.) Since life expectation has gone up....this is another huge money sink.

But, as you said, there are people far worse off due to not being able to afford housing or living pay cheque to cheque.

......holy ****, I guess the class system never died.
You can mostly get out of cpp if you farm yourself out as a corporation and are technically not an employee. The money you put in previously stays there (at a crap rate of return, much less than current inflation) but you can avoid contributing more.

In my planning, I assume CPP will be zero. If I'm lucky, it will pay for coffee in retirement.
 
You can mostly get out of cpp if you farm yourself out as a corporation and are technically not an employee. The money you put in previously stays there (at a crap rate of return, much less than current inflation) but you can avoid contributing more.

In my planning, I assume CPP will be zero. If I'm lucky, it will pay for coffee in retirement.

I'm guessing getting hired requires more paper work in this case and the company must REALLY like you to want to do this? lol

e.g. get hired as a contractor via business I make to my current job, somehow negotiate benefits and stuff so it's still full time employment but not really on paper? Does the hiring business save anything this way so there's a carrot for them?
 
I'm guessing getting hired requires more paper work in this case and the company must REALLY like you to want to do this? lol

e.g. get hired as a contractor via business I make to my current job, somehow negotiate benefits and stuff so it's still full time employment but not really on paper? Does the hiring business save anything this way so there's a carrot for them?
Benefits disappear. You need to be careful or CRA will argue you are an employee not a contractor (you need to set your own hours, be able to work for others etc). Basically, instead of company hiring an employee for 200+benefits (ie total cost of 250K), they hire a consultant for 250K. Keeps their head count down which many businesses love, They save some money and time on administration. As the consultant, you can take advantage of tax efficiencies, you can use income spreading carefully (over time is easy, over multiple people is harder but possible if you are smart about it), computer, internet, phone and some vehicle use moves to pre-tax money. Corporation has to pay income tax and then you have to pay tax on the money you take out. To keep CRA at bay, it's a good idea to pick up some other clients as if you only have one, they will likely be very grumpy. Also opens up other options to minimize taxes in specific situations. If you want to move more than 40 km away, open a new office that is 40 km closer to new house than old and you can move all real estate, lawyer, moving and LTT to pre-tax money. That can be five or six figure savings in that one step.
 
Sorry but I do not agree with that. Healthcare is one of the few interest we have left in common across all classes. I prefer it continues to be a common interest.

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This is a difficult question but a NO' based on ideology is always dangerous.

People with money can access services as close as Buffalo -- should those funds be spent in Ontario? Perhaps allowing this would encourage more services to come online making everything better, faster and cheaper?
 
Come on -_-"

WHY WHY WHY


Yup. Move to the US if you have a degree

In recent news. Doug Ford let PSWs keep their COVID-19 pandameic pay raise so now they are only ~$1-4/hour off a RPN but he still will not repeal Bill 124. It's way less work to become a PSW than a RPN.
I think you have bad numbers. PSW make $16.50 + $2 or $3 depending on what type of facility they serve. RPNs min is around $30, and RN $45.

PSWs don't have a huge upside, RN and RPNs can find work at 2-3x the standard pay if they want to travel.
 
Getting PSW isn't a problem if you have enough money. For about $1,000 a week you get a PSW for five full days. They don't do multiple patients in multiple locations so germ spread is minimal. For 24/7 care multiply by 4.

The PSW is better off as well, knowing their day and not having to run around doing part time.

I have yet to hear anything good about CCAC. Decent care is a DIY project for people with funds.

There are numerous options. One PSW shift is about the same as LTC. It only works if there are available assets in the family. There are social issues like keeping senile granny locked away when there is company. Ramps, wheelchairs and stair lifts don't fit in Architectural Digest layouts.
I think this has a lot to do with where you live. PSWs were funded and guided by local health care units, which changed a year ago. Part of the problem was standards, or lack thereof.

My experience is in Halton and it's been exceptional. A good friend is a PSW, he says many of the family members expect PSWs to do the chores they don't want to do -- like shaving Grampa home care , I hear he is asked to do things the fam should be doing - like changing grampa's bed linens.
 
@nobbie48

I'm legit curious about how you feel regarding the fact that most millennials and younger do not have pensions or RRSPs so we have to make our own investments and plan accordingly. As a result, some of us (including me) have zero empathy for the situation you're describing because it's the one we'll be partaking in. If I had a choice, I'd opt out of CPP entirely. Also worth noting I had multiple college and university professors talk about how the CPP system was made so most would die before taking CPP out (makes sense, save money.) Since life expectation has gone up....this is another huge money sink.

But, as you said, there are people far worse off due to not being able to afford housing or living pay cheque to cheque.

......holy ****, I guess the class system never died.

I hope anyone without CPP will put away as much as they can, not easy to do if you're saving for a house at the same time.

It's easy to say CPP is crap but it beats havng nothing. RRSPs with next-to-nothing bank interests are as bad. You defer taxes.

The plus side of mandatory CPP is that a lot of people are incompetent with their finances. A fifty something woman my wife worked for sold her townhouse a half dozen years ago and went rental. She announced that now she had $60,000 to put away for retirement.

My B-I-L invested in currency speculation among other things and lost his shirt. While he made some decent money occasionally he paid himself out of dividends so no CPP. When he had to scrape together money he tapped CPP and got about $200 a month.

My brother went bankrupt and when he started working again he had to make up for lost time and invested in Bre-X losing everything he put in. He died when he was 66 so didn't collect a lot of benefits.

Around half the credit card holders don't pay off balances.

Those are the people I worry about. A lot of them feel their only hope is a lottery win. They can't be forced into retirement at 65 but if they haven't got a long history with their employer they aren't that expensive to dump.
 
You can mostly get out of cpp if you farm yourself out as a corporation and are technically not an employee. The money you put in previously stays there (at a crap rate of return, much less than current inflation) but you can avoid contributing more.

In my planning, I assume CPP will be zero. If I'm lucky, it will pay for coffee in retirement.
It sounds like you have a lot more drive than the average nine-to-fiver. The ones that thought the mill would ever close and they could drive a forklift forever.

We need more people to keep the Ponzi scheme running.
 
I'm guessing getting hired requires more paper work in this case and the company must REALLY like you to want to do this? lol

e.g. get hired as a contractor via business I make to my current job, somehow negotiate benefits and stuff so it's still full time employment but not really on paper? Does the hiring business save anything this way so there's a carrot for them?

When I decided to take CPP I stopped paying into it. If I work I submit a letter to the employer and they save their portion of my CPP earnings.
 
It sounds like you have a lot more drive than the average nine-to-fiver. The ones that thought the mill would ever close and they could drive a forklift forever.

We need more people to keep the Ponzi scheme running.
Cpp and US OAS is a pure ponzi scheme. They are not really investing my money for me to get tomorrow, most of my money goes to my dad today. Govt had a problem where there were a lot of destitute seniors. How do you start up a plan when a lot of people havent contributed? Do you pay out to those that didnt pay in (or at least didnt pay in enough) or do you let them starve? Govt chose to help the elders which locked in younger people paying for the retirement of their elders.
 

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