When it comes to finding a CHSLD for ourself or a loved one, many questions can arise such as: "How much does it cost? ", " How does it work ? and "How to make a request ? ". To help you in this process, we present answers to frequent questions about long-term care homes.
What is a CHSLD ?
Before going into more detail in the question of prices, we must first understand what a CHSLD is. The term CHSLD is the abbreviation for a residential and long-term care center. The definition of a residential and long-term care center is as follows:
" In Quebec, a profit or non-profit residential facility intended to provide adults who can no longer remain in their natural environment because of their loss of functional or psychosocial independence, a substitute living environment, accommodation, assistance, support, rehabilitation and surveillance as well as psychosocial, nursing, pharmaceutical and medical services. "
In other words, it is a living environment for seniors with significant loss of autonomy.
What does private funded CHSLDs or unfunded CHSLDs mean ?
Some mistakenly believe that CHSLDs are entirely funded by the Ministry of Health and Social Services (MSSS). In fact, we must first understand that there are three types of CHSLDs :
Private funded CHSLDs
Private unfunded CHSLDs
The first two categories are mostly identical: they are financed by the MSSS , have similar admission criteria and the accommodation fees are the same. The differences affect the administration, ownership and management of the building. Admission is through the CLSC staff. These types of CHSLDs generally have long waiting lists. Find out more about waiting times for a place in CHSLD, by region.
Although targeting the same clientele, the third category, private non-funded CHSLDs operate according to their own rules. They are owned and managed by the private sector as a private seniors residence, and receive no government subsidy. To operate, however, they must obtain a permit from the MSSS. Normally, there are no long waiting lists. we Bonjour Résidences can help you find a private unfunded CHSLD, it is only necessary to fill a request for accommodation.
What about CHSLDs prices in 2020 ?
In a public or private funded CHSLD, the cost of accommodation can not exceed what is fixed by the Régie of the Quebec health insurance (RAMQ). Currently, the contribution to pay for by month for a public CHSLD is:
$ 1,946.70 for a single room
$ 1,626.30 for a twin room
$ 1,211.70 for a room with three beds or more
These prices represent the maximum that a person with loss of autonomy can pay. The actual amount is determined by taking into account the ability of the person to be accommodate to pay. To determine the contribution that will be paid, all sources of income are considered: pension, investments and savings, property and family status. Deductions may also apply.
Tip: use this tool online to give you a better idea of the costs of accommodation in CHSLDs. Offered by the RAMQ, it covers a good number of cases, but it must however be used as an indication. The final amount will be determined after analysis of the financial situation of the senior and spouse, if applicable.
Real cost of a place in public CHSLD: $10,000/ month
As the public and private CHSLDs under agreement benefit from a government subsidy, the monthly contribution required does not reflect the real cost of a place in a CHSLD. According to an exam of Quebec tax presented in 2014, the total cost of a place in public CHSLD was $ 83,347 per year, or $ 6,945 per month excluding the cost of acquisition and depreciation of real estate. Thus, according to inflation, these updated amounts make it possible to estimate that in 2020 the cost of a place in a public CHSLD costs the Government of Quebec $ 92,279 per year, or $ 7,690 per month, excluding the cost of acquisition and depreciation of real estate. By estimating the acquisition costs and the depreciation of the establishments, the value of a place in a public CHSLD costs more than $ 10,000 per month.
Cost estimation - other calculation method
Based on the 2019-2020 Health Accounts report, 80.8% of the cost of accommodation services for adults in CHSLDs is assumed by the state. Thus, it is possible to extrapolate that a single room in a public CHSLD is worth on average $ 10,242 per month, of which $ 1,946 is assumed by the person accommodated.
In private non-funded CHSLDs, the owner of the establishment sets the monthly cost of the rent. The average cost is between $ 5,000 and $ 8,000. This price varies according to the resident's needs. Contact us at 1 844-918-1020 for more details or complete a free accommodation request.
Are there any fees to not forget?
In a private or public CHSLD, several products and services are included: paper goods, body creams, shampoo, deodorant, soap, toothpaste, tissues, as well as normal clothing maintenance.
However, it must be anticipated that it will be necessary to provide or pay for:
more specific personal care items such as cosmetics;
a phone, a television;
dry cleaning, clothing repair, etc.
It is important to draw up a complete list of needs and to discuss them with the managers of the facility so as not to have any unpleasant surprises.
Who can help me in cost planning for CHSLDs?
Some resources to guide you:
- Our Bonjour Résidences service can help you obtain the costs of a private unfunded CHSLD as soon as possible and plan visits. Fill out a request today.
- This article explains the different aspects of contribution, deductions and services provided in a public institution.
- This 32-page Government booklet informs seniors about tax credits and the amounts and programs to which they may be entitled.
- The list of every CHSLD and the total number in Quebec,
Of course, accountants and tax professionals are also great resources to help you get it right. Good research!