Socialized Medicine/Nursing - page 5

Hi everyone. I am especially interested in how nurses are treated in the UK and Canada. I feel the US is moving more and more toward socialism, more taxes, more regulations, more government... Read More

  1. by   PPL
    Snicker-doodle, I come up with $1089.36 for total deductions. That would make your net= $1287.21, so my numbers don't jive with your post. What am I missing? Also, what do the following mean? Superannuation, R.N.A.B.C? Also, is the savings bond required or voluntary? I'm still looking for my full-time pay stubs. I have them SOMEWHERE! I am so interested in this, I must be obsessed!
  2. by   PPL
    Snicker-doodle, I come up with $1089.36 for total deductions. That would make your net= $1287.21, so my numbers don't jive with your post. What am I missing? Also, what do the following mean? Superannuation, R.N.A.B.C? Also, is the savings bond required or voluntary? I'm still looking for my full-time pay stubs. I have them SOMEWHERE! I am so interested in this, I must be obsessed!
  3. by   PPL
    Dear friends Addendum: I did not understand that this topic had more than one page, so now I've posted something twice, plus my explanation re same. God, I'm soooo anal!
  4. by   bunky
    Maybe they ripped her off PPL! So what do you think of the comparison so far? Given that she has benefits out her eyeballs. And I can answer about the savings bond. No they don't make her buy one, She's just squirrelling it away for a rainy day.
  5. by   snickers
    Hello PPL;
    Sorry,I didn't include 5.00 dollars for the lotto!! !We have a staff lottery...5.00dollars comes off my cheque per pay day for that, it is a voluntary signup.Each 5.00 buys one name in the drawThey have a draw every payday, and half the money goes to the winner, half goes to the Hospital Foundation....the winner usually wins >2000.00 dollars(Non-taxable winnings), hence my numbers were off by 5.00. We also pay for parking...5.50 a payday,,however if you don't call in sick for the year then you get free parking or free coffee for a year.(I chose the free parking).I didn't include that either,It is not accounted for.
    Superannuation is a municipal pension that a fulltime government employee must pay after 3 months fulltime work. So, all people who are government employees(teachers, nurses, policemen, ambulance attendants pay into this fund. After 10 years you are "locked in".That means before the 10 years, you can take out the money, but you have to quit your job to get it.,And the employer does not match the amount of money you have put in. When you retire your employer(the government) matches the amount you have contributed, and it is one of your pensions when you retire, in addition to Canada
    Pension(which also kicks in when one is 60 years old and retired.)
    R.N.A.B.C. stands for Registered Nurses Association Of British Columbia. It is our proffessional association here,the one who sets our standards of practice,issues us with our license to practice on an annual basis,Our annual fee for that is approximately295.00 and it is also deducted from our paycheque. We can pay it all up front if we wish, but I find it more convenient to have it taken off my pay.
    Canada Savings Bonds can be purchased from the payroll savings plan aswell, aslong as one is a fulltime employee, and it is strictly voluntary. In October when you've paid off whatever you have subscribed to, then the bonds are given to you. Ideally they are kept, and each year they accrue more interest, after 7 years you get the maximum interest, and then you roll them over into RRsp.s or whatever .
    There, still any basis for comparison to what you receive in $ or benefits?
    Talk at ya

  6. by   PPL
    To hell with parking, it's coffee I want!!! Well, I had to LOL about the lotto. It sounds fun! I did find my stubs, so I can prove I DID have a steady job!!! It was a weekend package though, and now I'm just working PRN. Since '92 I've worked primarily the weekend options, then picked up some during the week when I felt like it and/or they begged. I've worked since I was twelve, doing something or other. Hey, I'll look my stubs over and post it, plus try to digest this all for comparison, then I might be moving up north, ha-ha! Bunky can pick me up on her way back! Do they have weekend option in Canada?
  7. by   JillR
    I have found an old check stub from my job and this is a break down of what I pay out for taxes, insurance, ect.

    Gross Wages 1067.17
    health Insurance (Taken out before taxes) 135.48
    Fed Taxes 102.54
    State Taxes 52.29
    FICA 57.76
    Medicare 13.51
    Life Insurance 1.28
    AR (this is a deduction for my hospital bill, automatically deducted) 30.00

    Net Wages 674.31

    For benefits I get 6 payed holidays a year, get payed for these whether I work them or not, so in essence I get double time for working my holidays. We also get PTO, that is earned according to the amount of time we work (pro-rated). I think I will earn about 80 hrs this year. My insurance cover vision check ups and that is all, with a $15.00 co-pay, same as office visits. Urgent care and Emercency room is a &50.00 co-pay unless you are admitted to the hospital, then the co-pay is waved. Must choose a doctor that is included in the plan, and go to certain hospital/clinic. Medications are $5.00 for generic and $10.00 for brand name, but we have the oppurtunity to send in maintanence scripts to a certain company and get three months supple for $5.00. Have available 401k plan that the employer will match up
    to 5% of income but you must have 1 yr in before you can enroll in plan. We also have sickness/injury insurance provided by the employer that we can use but must be off three days first, otherwise we have to use PTO, if you have enough. We can but dental coverage which isnt very good, but I bought it anyway it covers cleaning, ect, and is only about $7.00 per pay period. Again we have a $15.00 co-pay for office visits, but covers %100 of maintenence and I think 70/30 with a deductable (not sure how much) for other things.

    If we go outside the covered area for health care then there is a $1500.00 (per family) deductable per year and it only pays 70/30.

    My question......Why do health care providers always have the worst health insurance and benefits?????

  8. by   bunky
    Jill out of curiosity are you unionized? Snickers and PPL, what do you think? We've broken it down in terms of job expectations, protocol, working conditions, salaries, taxes, benefits. What do you guys think? PPL do you see some of the merits of the system and the advantages? Snickers, do you feel a bit happier about where you work now? We don't rake it in hand over fist down here either despite the picture that the recruiters portray. We work our asses off for every cent of what we get, and I have heard other Canadian nurses, just before they run back home, say that they feel totally exploited down here as it is quite a shock. Which side of the fence has the greener pasture overall?

    I have to say that I have been treated wonderfully here overall in terms of the communitites I have lived in. People have been extremely kind to me when they hear my "accent" although I have to remind them that it is they who have the accent, not me! I've made some great friends, had some neighbours seem more like family. They all know what I am wanting when I say hand me a serviette now, and they no longer repeat "out and about" at me. Some of my kids friends even say "bum" now instead of butt! I've shared my culture with them too, inviting them over for a cup of the coveted Tim Hortons when I get a care package from home and for suppers when I cook with the scrumptous Diana BB-Q sauce. I have rubbed off on them as much as they have barged their way into my heart. Ha! Ha!

    PPL, get packing! Snickers, we'll meet you at Tims for a coffee!
  9. by   bunky
    PS Oh Ya PPL! Should Snickers win the lottery there, and correct me if it's changed Snickers, it's tax free for a YEAR! No one coming in to meet you as you get your big fat lottery check to take 40% of it off the bat!
  10. by   LRM
    Don't beleive this, just spent half hour writing a post now I have lost it all!!

    Well lets start again, been away for a week (escaped kids on our motorbike) so am trying to catch up with all the posts.

    With my wage down here, I am working casual & will earn less than Aus$10,000 this financial year so I will get ALL my tax back about $2,500 (Aus$1 = USA 0.59c approx). Along with my wage, my employer (agency at moment, gives me flexibility with study) must pay equivalent of min. 5% of my wage into superanuation fund of MY choice. This money is taxed at low rate on retirement when it is accessed & will supplement aged pension or if I have enough super I will be financially independant of gov assistance. This is law for everyone, some companies pay higher than 5% but that is the minimim.

    I don't pay any medicare tax as hubby has this deducted from his wage (only one pays per family). I receive discounted parking, uniform allowance & free tea, coffe, biscuits & bread in most hospitals plus subsidised hot meals if I wanted ($2 for hot meat & vegies).

    Most of my shifts as EN saw me with 1:4 - 6 pts, I mainly do day shifts. So a ward with 30 pts would have between 5-6 nurses (RNs & some ENs) with pt allocations & usually one nurse floating. Evenings & nights saw fewer nurses but I can say the exact ratios. The ratios depended on the type of ward, generally surgical saw 4 pts allocated & medical 5-6, ICU is always 1:1. The work load is usually ok but ofcourse it can have very busy periods & agency staff are called in if needed or nurses shifted between wards. We are also coming into a nursing shortage in oz now so things may change here as well.

    Our tax system in oz is under huge review. As of 1st July, goods & services tax was introduced (10% GST on everything except fresh food) & all income taxes have been lowered. I will get these bew benefits thru hubbie & when I work regularly next year as 1st year grad.

    Thousands more people have joined private health insurance this month (gov dangles carrot) so the impact on services is yet to be seen but things are changing. Report in yesterday's paper "insurance company (one of the biggest in oz) has set guidelines on how many outpatient visits a client with lymphodema can claim for in one year". So managed care is creeping in.

    I am a union member & feel that with all the changes I will continue to support the union to ensure these changes don't disadvantage those with lower income & also prevent our health care system by being taken over for profit. The unions will demand that the insurance comp. justify their policies & will help to ensure that nurses are not exploited in the process (you can be a union member in a private hospital although public hospitals are more receptive to union demands).

    After reading the posts, it is evident that the 'socialised' systems pay more tax but we also receive more resources from gov, whether these resources are managed well depends on the gov in office at the time. Where as the folks in USA have more autonomy over where they spend their money but I guess these resources are subject to economic fluctuations & managerial decisions also.

    The USA staff ratios seem higher with exploitation apparent in some places, this may also happen in oz with a shortage so maybe it is a sign of the times. But again, as nurses we can advocate for safe staff levels & conditions with union support down here & I assume Canada. Our paper work seems less down here too, will this change now also? How do you fight this in USA & make it safe & equitable for all involved?

  11. by   bunky
    You can't really fight it in the USA LRM. You can get mad, rant and rave, bang your head against a wall, but to no avail. After a while it feels good to stop. They kind of have us by the ..., well, you can finish that one.

    We have GST in Canada too. I thought you guys got it before we did, but I guess that was New Zealand I am thinking of. Taxes, taxes and more taxes.

    I guess what we can surmise by all of our discussions is that they take it from you no matter where you work. No one system stands head and shoulers above the others, but some seem more just and fairer to the employee than others.
  12. by   LRM
    Yes it was NZ first with GST bunky. I have really enjoyed this discussion, so often we have been told here "we don't want our health service becoming like the american system' . Hear, hear! would say but did we really understand 'the american system' Even now I don't profess to understand it but these posts have given me an insight into some problems within the system (and some advantages) & also showed me the nurses' perspective when working within the USA system.

    Personally, I prefer the oz system (comfort in what I know & no-one likes too much change) but as I have said this is definatley changing.

    Combining the views of the USA nurses with some other posts (BSN vs ADN, nursing as a career?) has given me food for thought.

    Thanks to all for your insight!!
  13. by   PPL
    Bunky! All that head banging! No WONDER you're so funny! No need for me to post my check stub, as it looks as though the more socialized systems are paying more taxes, but maybe we ARE more exploited here. Still, if it comes down to who decides how to spend my money, I prefer it's me and NOT the government. There's so much intrusion already, and yes, maybe you're getting more from your government, but it also makes you more dependent on them, if they should decide to spend your money unwisely, dig? That's the part that scares me. One thing for sure, I've enjoyed this topic and everyone's posts. It's after 2:30a.m. and my hubby is in snoozville, but I'm sittin' here dreaming about the perfect cup of coffee from Tim Horton's. Mmmmm.