How to forecast CHSLD costs | Bonjour Residences

When you begin to consider CHSLD accommodation for yourself or a loved one, one of the first questions that comes to mind is "How much will it cost? ".

Some people mistakenly believe that CHSLDs are fully funded by the Ministry of Health and Social Services (MSSS). Before going into the issue of fees in more detail, it is first necessary to understand that there are three types of CHSLDs:

  1. Public CHSLDs

  2. Conventional private CHSLDs

  3. Private CHSLDs non conventional

The first two categories of institution are practically the same: they are funded by the MSSS, have similar admission criteria and the accommodation costs are the same. The differences relate to the administration, ownership and management of the building.

Although targeted to the same clientele, the third category includes institutions that operate according to their own rules. They are wholly owned by the private sector and are not subsidized by the government. To operate, however, they must obtain a permit from the MSSS.

Another of the big differences affects admission:

  • Obtaining a place in a public or private contracted CHSLD requires an assessment by the staff of a CLSC.

  • Private CHSLDs, without their agreement, each have their admission criteria. People go directly to the heads of these institutions to get a place.

What about costs?

In a public or private CHSLD, the cost of accommodation can not exceed what is set by the Régie de l'assurance maladie du Québec (RAMQ). Currently, the costs are :

These prices represent the maximum that a person with a loss of autonomy can pay. The actual amount is actually determined taking into account the ability to pay. In determining the contribution to be made, all sources of income are considered: pension, property, investments and savings, family situation, etc. Deductions may also apply.

Tip: Use this online tool to give you a better idea of CHSLD accommodation costs. Offered by the RAMQ, it covers a good number of cases, but it should be used as a guideline. The final amount will be determined after an analysis of the financial situation of the senior and his / her spouse, if applicable.

In unlicensed private CHSLDs, the owner of the establishment determines the monthly cost of the rent. This price varies according to the needs of the resident. The greater the loss of autonomy, the higher the cost of services.

Are there any costs to keep in mind?

In a public or private CHSLD, several products and services are included: paper products, body creams, shampoo, deodorizer, soap, toothpaste, handkerchiefs, as well as the normal maintenance of clothes.

However, provision must be made for either:

  • Hairdressing services;

  • More specific personal care items such as cosmetics;

  • Tobacco, newspapers;

  • A telephone, a television set;

  • Dry cleaning, repair of clothing, etc.

It is important to make a complete list of the needs and discuss them with those in charge of the facility so as to avoid any unpleasant surprises. In addition, we have to think about different contingencies. The elderly may not need care at this time, but what happens if she gets injured or undergoes surgery? What are the costs of the various treatments she will need?

Who can help me with CHSLD cost planning?

Some resources to guide you: 

This article explains the different aspects of contribution, deductions and services provided in public institutions.

This 32-page Government booklet informs seniors about tax credits and the amounts and programs to which they may be entitled.

Obviously, accountants and tax experts are also excellent resources to help you see clearly. Good research!