Paying for your own sub?

Discussion in 'General Education' started by blazer, May 11, 2019.

  1. miss_roxy

    miss_roxy Rookie

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    May 12, 2019

    I live in Canada and I've seen this happen.

    You don't just lose a day of salary, they actually deduct the maximum amount a sub COULD cost (tenured teacher with master's degree, say $420/day), even if the ACTUAL teacher who covers your class is a newbie making the lowest figure on the salary scale. So, if you are a beginning teacher and don't make nearly that much in a day, your actually losing more than just the money you would have made that day... they deduct more than your salary and then just pocket the difference and call it "administration costs".
     
  2. ms.irene

    ms.irene Connoisseur

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    May 13, 2019

    I teach in a district just north of San Francisco, and yes, this is the "norm." I have a colleague who went over her sick time because her child had an autoimmune disease -- now she can't take time off when she is actually sick.

    And it's not just major illnesses -- pregnant teachers usually end up paying for subs, too, because our family leave policy is so pathetic.
     
  3. ms.irene

    ms.irene Connoisseur

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    May 13, 2019

    Have you ever actually lived in a socialized health care country? I lived in France where as a part-time assistant teacher, all my health care was totally free, and I have a couple of health issues that require ongoing prescriptions.

    Also, I hear more about elderly people going from the US to Canada for their scripts, than the other way around...
     
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  4. Backroads

    Backroads Aficionado

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    May 13, 2019

    I've heard it both ways.

    Seriously, I have. In many ways I suppose it's a testament to personal options for needs and individual situations.

    In my daughter's case, insurance in the states tends to cover, at least partially, a very expensive medical device that is considered pretty standard. What I've learned is that the device is moderately rare in socialiized health countries where it simply cannot be covered by the government health plan. (it's an extremely useful device, but not, strictly speaking, absolutely necessary.) These parents are the ones usually digging into personal private insurance or holding fundraisers to pay for the device. Same goes for certain very-nice medication.

    My point being, it's not truthful to say socialized medicine will cover everything in every case.
     
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  5. futuremathsprof

    futuremathsprof Aficionado

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    May 13, 2019

    You would be the exception then because the data suggests otherwise:

    https://www.google.com/amp/s/www.ny...ld/europe/uk-national-health-service.amp.html

    https://www.npr.org/sections/parall...-the-british-love-their-universal-health-care

    https://www.google.com/amp/s/www.fo...to-curb-dems-enthusiasm-for-single-payer/amp/

    https://www.investors.com/politics/...ocialized-health-care-an-unmitigated-failure/

    https://www.google.com/amp/s/www.fo...lion-while-waiting-for-medical-treatment/amp/

    https://www.ctvnews.ca/mobile/health/is-canadian-health-care-as-great-as-we-like-to-think-1.3641544
     
    Last edited: May 14, 2019
  6. Reality Check

    Reality Check Habitué

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    May 13, 2019

    This issue came up during my second year with "Teach for America." I was in an eastern North Carolina high school, following a year in south Texas. At orientation in the NC district, they told us there was no money available for field trips, but we were still allowed to take them as long as: 1. We paid for the sub. 2. We paid our own way on the trip. 3. We used one of our sick or personal days.

    Needless to say, the first words out of my mouth were, "Well, no field trips for my classes under those circumstances this year." One of my colleagues was horrified, "You can't deny your children a learning experience just because of those roadblocks." (I love how they invoke the adjective "children" when they're trying to play on sympathies) I replied to her, "Lady, the bottom line is that this is a job. No other school district is subject to these conditions. The least we can expect this school district to do is to conduct business in a normal manner, not rely on never-ending financial sacrifice by the teaching staff."
     
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  7. Backroads

    Backroads Aficionado

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    May 14, 2019

    That is an awesome response. Did she have a comeback to that?

    In such circumstances, I could possibly see myself hitting up some donations or grants, but never would it come out of my pocket and benefits.
     
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  8. MissCeliaB

    MissCeliaB Aficionado

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    May 14, 2019

    I have very occasionally taken a personal day for school-related business. For example, we had to return our costume rentals to a nearby city, and due to some weather delays this had to be done on a school day. My husband and I both took personal days so that we could stay the whole day and shop and eat and relax, as is our tradition when returning costumes.

    One day I took a personal day to go to a workshop that I really wanted to attend, but our school's (very generous) PD fund was almost completely exhausted, and I had already used funds that year for a different workshop.
     
  9. Reality Check

    Reality Check Habitué

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    May 14, 2019

    No. She considered herself the "ultimate dedicated professional." I, on the other hand, was always more willing to draw a line in the sand. So, she more or less looked down her nose at someone who was more pragmatic.
     
  10. a2z

    a2z Maven

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    May 14, 2019

    Socialized health care can be as hit-or-miss as private healthcare except for the fact that there are few choices if there is no one in your country you can go to if your socialized health care isn't working for you.
     
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  11. Backroads

    Backroads Aficionado

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    May 14, 2019

    Awhile ago I read a Canadian's experience with their healthcare system. He was pretty open about it, admitting problems that can pop up here and there with respect to the different provinces and voting and budgets. Eye-opening wasn't the right word, because it wasn't so much pro or anti as just giving the experience and the facts.

    Again, I actually quite like the idea of socialized medicine in some form or another, mostly for boring, budgetary reasons (I'm already getting the money taken out of my paycheck sort of reasoning), but I realize it's not necessarily perfect.
     
  12. blazer

    blazer Connoisseur

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    May 14, 2019

    When I visit the US I am always entertained by your ad breaks on TV (well be honest the ads are better than the programmes) as 50% of them seem to be for pharmaceuticals. Friends have told me that when you visit your doctor you tell them what medicines you need whereas in the UK we accept the suggestions of the trained professionals. Thus med adverts are never seen in the UK. Plus in all your adverts the disclaimers at the end always say risk of death!
     
  13. futuremathsprof

    futuremathsprof Aficionado

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    What I don’t understand is why anyone would want to pay upwards of 50% of their salary for healthcare that they will probably hardly ever use in the off chance that they need emergency care? How is a lifetime of diminished salary more cost-effective than paying for health insurance yourself through a private insurer? Is there something I’m missing?

    For example, I’ve read cases where people have to pay something along the lines of 47% of their income in taxes just to pay for socialized healthcare. For me, that comes out to $63,450 of my gross salary (starting next year). Now, if I pay that for 10 years (let’s pretend my salary stays fixed to keep the math simple) that comes out to $634,500 over 10 years.

    Now, let’s say I require a life-saving surgery that costs $75,000. I would rather pay $75,000 out of pocket, which I can easily do, than $634,500. Wouldn’t you?
     
    Last edited: May 14, 2019
  14. Ima Teacher

    Ima Teacher Maven

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    May 14, 2019

    I don’t tell my doctors what to prescribe. I’ve had them ask me specific questions, like if I’ve ever taken a particular medication or if one works better than a other, but other than that I don’t ask for a medicine.
     
  15. blazer

    blazer Connoisseur

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    May 15, 2019

    In the UK we have a tax called 'National Insurance'. This is approx 6% of our income. It pays for our healthcare and also in part our social security. There may be some top up from other taxes. However what it means is that low income earners only pay a small amount of money, high earners pay more but everyone gets health care! If I need to see my doctor every week for 6 months then it costs me nothing above what I pay in taxes. When I cease working I shall no longer pay national insurance but will still receive healthcare (and a pension based on how many years I paid my NI contributions)
     
  16. blazer

    blazer Connoisseur

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    May 15, 2019

    Which countries pay 50% of their salary for healthcare?
     
  17. blazer

    blazer Connoisseur

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    May 15, 2019

  18. jadorelafrance

    jadorelafrance Cohort

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    May 15, 2019

    Some countries have a hybrid system (France) where everyone has national healthcare, but you can also obtain private insurance (through employers) and see private doctors if you want.
     
  19. Backroads

    Backroads Aficionado

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    May 15, 2019

    But doesn't your system only pay for more basic treatments? I actually have no problem with your country's system, but I do know a few people in the UK who are cystic fibrosis parents who still have to pay for a lot of stuff out of pocket.
     
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  20. blazer

    blazer Connoisseur

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    May 15, 2019

    I'm not awate that CF sufferers have to pay. I have taught quite a few kids with permanent medical conditions such as CF and Diabetes and as far as I know their treatments and medications are covered. Kids under 18 get free medications. Over 18 and we pay a nominal charge (about 12 dollars) for a prescription if we are in employment.
     

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