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Long Term Care Insurance provided by Quebec Government Programs

Government details on programs available to you through the public system.

Why do you need Long Term Care?
You may think that provincial health plans have generous long term care benefits; however, you must have an income below a certain amount in order to qualify for a full or partial government subsidy of accommodation costs in a long term care facility.

Demographics show that as the post World War ll generation reaches middle age, greater and greater pressure will be placed on publicly funded health care and social providers.

This may mean an increasing number of services will require out-of-pocket payments – substantially more than today. Can you afford to pay the difference, or even the full cost, especially on a fixed income? People need alternatives.

Long Term Care provides you and your family with financial security and peace of mind should you need extended care.

Long Term Care in Quebec: Key Insights

Q. Does the province use an income/asset test to determine support?
No. For nursing homes, known as centres d’hébergement et de soins de longue durée (CHSLD) in Quebec, an income/asset test is not a standard element of the assessment conducted by the local centre local de service communautaire (CLSC). For individuals who cannot afford the standard rate, application can be made to review liquidity (income and assets).

Nor is it a standard element for the CLSC assessment for government-subsidized home care as most (but not all) CLSC services are free. Private nursing homes are in charge of their own admissions, waiting lists and fees.

Q. How does the government decide what type of care – and how much – to provide?
The decision depends on the type of care needed:

  • Nursing home. Admissions to subsidized CHSLD are managed by the local CLSC. A social worker or nurse from the CLSC will assess the client’s autonomy, and the client’s doctor must show that the client has diminished autonomy.
  • Government – subsidized home care. The local CLSC conducts an assessment to determine the needs of the client. If home support is recommended, the CLSC will help determine the assistance that will best suit their need and make the arrangement.

Q. What is the cost to the client if they are in an Long Term Care facility?
The monthly cost depends on the type of accommodation. Fees paid by the client to the CHSLD are a co-payment for services related to room and board, articles and services necessary for personal hygiene, and all other equipment necessary for therapeutic purposes.

The minimum is $32.95 per day (ward),
The maximum is $55.03 per day (private room).

Q. What are the costs of a private nursing home?
A client choosing to live in a private nursing home pays the full fees set by the home.

Q. What are some of the costs a client can expect to pay for home care?
For government-subsidized home care, all services except for housekeeping are free. However, because CLSC resources are limited and go to the neediest, many clients rely on private home care; the average provincial costs for the following services are:

  • Meal delivery - $4.52 per meal
  • Skilled nursing - $27.00 - $85.00 per hour depending on registered nurse or licensed practical nurse delivering the care
  • Occupational therapy - $80.00 per hour
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