Child Care Options In Canada
In Canada, options for child care are varied and range from nannies, daycare centres, home daycares, and preschool programs, to before and after school services. Child care services may be regulated or unregulated.
Regulated child care services include centre-based full-day child care, home child care, school-aged child care, and in most provinces, nursery schools and preschools. These are monitored, licensed, and regulated by provincial and territorial authorities.
Unregulated child care services are provided either in a family child care home or in the childs own home. If using this service, as a parent, it is your sole responsibility to assess the quality of child care provided, manage the relationship with the provider, and to find a new provider if theres any issue with the arrangement.
Heres a brief regulatory overview of some child care options in Canada:
|Note: When child care is provided in your own home, you will need to negotiate the terms of employment with the caregiver. If the caregiver is part of the Live-In Caregiver Program, there must be a written contract between the employer and the employee . It must include: job duties, hours of work, wages, holiday and sick leave entitlements and termination and resignation terms.|
Tip: You may want to consider a written contract with an unregulated family child care provider. A sample contract for the Live-In Caregiver Program may be useful for designing this contract.
Childcare And The Economy
Barker-Alvarez said stable and nurturing childcare helps childrens development, helps set them up for success in learning, and ultimately, life.
Childcare is everyones issue, she said.
Its childcare that’s affordable and consistent that helps the economy in the short and long-term too.
It impacts whether young children are in the best environment to learn. It impacts whether their families can get a job and keep a job. It impacts how much tax revenue is even, you know, circulating in our economy, she said.
Alvarez said there is help available in subsidies and scholarships through the Arizona Department of Economic Security and First Things First but more can always be done.
Once the government starts investing more in our people and our communities thats when we start giving back to our communities and investing and putting our best self out there for our communities, Miramontes said.
Tips For Cutting Costs
We are by no means encouraging you to cut all costs to zero and live like a hermit. Not at all, life is a journey meant for you and your family to enjoy. Here are some cost-cutting tips that you can use:
Save Hospital Costs
Consider delivering your baby at a birth center rather than a hospital. It may save you a couple of thousand dollars that you can use for other baby needs. If you deliver in a hospital, refuse unnecessary add-ons that will hike up the bill. Check the bill for errors and ask questions where its not clear. Some hospitals charge for TV, so keep it off, and enjoy your baby.
Breastfeed on a Budget
Breastfeed your baby rather than give them formula milk. It will save you $1,350 or more. Rather than buy a pump, check with your health insurance provider first, for a free breast pump. Hospitals offer lactation support, so rather than hiring someone, speak to them instead. Additionally, use your normal clothes rather than buying a breastfeeding wardrobe. Button-down blouses and tops work well.
Find Cheaper Housing Areas
Moving may feel like a big deal and it is, but according to the USDA report, housing takes up 29 percent of your income. You can save money by moving to a suburb or rural setting where housing is cheaper.
Childcare is Expensive
Cut Clothing Costs
Use Free Activities/Entertainment
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What Is The Cost Of Traditional Daycare
There are several different options when considering childcare and related costs.
Traditional Daycare for Babies and Toddlers
The cost of daycare varies by location, quality, and age of children. Childcare for babies and toddlers is more expensive than childcare for older kids because younger kids need more hands-on care and there must be more childcare providers in each room.
The average cost of center-based daycare in the United States is $11,896 per year for infants and $10,158 per year for toddlers. Prices for infant daycare can range from $5,760 to $20,880 a year , according to ChildCare Aware of America.
Location matters when considering costs. Parents in cities like New York or Seattle may report even higher costs than the state averages listed above. In San Francisco, costs can go as high as $2,450 a month for infant care.
The most expensive states for daycare are California, Colorado, Connecticut, Maryland, Massachusetts, Minnesota, New York, and Washington, with costs of over $14,000 a year for infant daycare.
Traditional Daycare for Preschoolers
Costs of daycare for preschool-age children are generally lower, averaging $9,254 a year . In 2014, the five most expensive states for preschool-age kids in a childcare center were Connecticut, Massachusetts, Minnesota, New York, and Rhode Island.
Claiming Child Care Expenses In Canada
Childcare expenses can be claimed for the purposes of earning a living or going to school, this will, in turn, reduce your income, therefore the amount of taxes you must pay will be lowered.
Each child for whom you claim expenses on your tax forms must meet the Canada Revenue Agencys eligibility requirements:
An eligible child is one of the following:
- your or your spouses or common-law partners child
- a child who was dependent on you or your spouse or common-law partner, and whose net income was less than the Basic Personal Amount
- The child must have been under 16 years of age at some time in the year. However, the age limit does not apply if the child had an impairment in physical or mental function and was dependent on you or your spouse or common-law partner.
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Child Care Waitlists And Waitlist Fees
In most cases, since the availability of child care spots is limited, many centres across the nation have a waitlist which is usually very lengthy. Due to long waiting times, many families get on the waitlist even before the child is born. In many places, these waitlists may require parents to pay a fee to have their child placed on the waitlist. Since each centre has its own list, parents may have to pay multiple waitlist fees while waiting for a spot to become available.
Is Your Household Income Getting Squeezed
If youre facing higher living costs, but have little or no extra money coming in, findout aboutextra sources of income and support available to help you manage yourhousehold bills and save money in our guide Living on a squeezed income
Taking time off from a career can affect your future employment options and earning potential.
Here are some sites that could help you debate the pros and cons:
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Budgeting And Planning For Child Care Costs
In Canada, finding affordable child care can be a real challenge, primarily because of limited availability. Being aware of the costs and planning your finances accordingly is essential to settle in smoothly.
- Infant: Children under two years of age.
- Toddler: Children between 18 months to three years of age.
- Preschool-age: Children between two-and-a-half years to kindergarten age .
Average Infant Care Costs As A Percentage Of Median Yearly Income By City In Georgia
This ratio shows how childcare costs range from 10% to 34% in these cities, which is too much of a burden on the pocket.
The Hidden Cost of Child Care in Georgia
The cost of a daycare center is significantly high for some families . However, what makes it completely unaffordable is the external charges that parents have to bear in order to provide the best for their kids.
Following are the hidden charges that nobody tells you about.
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How Much Of Your Child Care Expenses Can You Claim
- Canadian taxpayers can claim up to $8,000 per child for children under the age of 7 years at the end of the year.
- $5,000 per child for children aged 7 to 16 years.
- For disabled, dependent children of any age who qualify for the disability tax credit, the amount to claim for that child is $11,000.
- You can claim $5,000 for a disabled child over the age of 16 who does not qualify for the disability tax credit but was still dependent on you and required care.
- For a boarding school or overnight camp, you may only claim up to $200 per week for a child under the age of 7 years, $275 per week for an eligible disabled child, or $125 per week for a child aged 7 to 16 years.
The CRA Form T778 Child Care Expenses Deduction lists these rates, as well as further explanations about claiming childcare expenses.
Safeguarding Your Own Information: Account Owner Security Checklist
While we strive to keep your information and transactions safe, there are actions you can take to contribute to your own security. The following are some best practices to follow.
Protect your account
- Do not use your Social Security number , in full or in part, for a password or PIN.
- Review your credit reports frequently . Verify the information listed about you is up to date and accurate and that it includes only those accounts and activities you’ve authorized. Work with the credit reporting agencies to have any inaccurate information removed.
- Store your Social Security card, other identification cards, checks and accounts statements in a safe and secure location.
- Do not carry your Social Security card, passport or birth certificate with you unless absolutely needed.
- Do not share your personal or financial information over the phone or in person unless the information is absolutely necessary and you can confirm that the individual and company are legitimate.
- Frequently monitor your financial accounts and report any suspected fraudulent transaction immediately.
- Retrieve and review your mail promptly.
- Shred financial documents no longer needed, pre-approved credit offers, receipts, and other documents that may contain financial and personal information.
Protect your computers, cell phone and other mobile devices
Keep your information secure
Practice safe web browsing
Create a strong password
Stay informed on the latest fraud threats
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Child Care Costs By State 2022
Child care in the United States can be a shocking financial burden. The high cost of child care and the low teacher wages and concerns of care quality are often confusing to parents. Infant and toddler care are significantly more expensive than care for children of preschool age.
The average cost of providing center-based care for an infant in the U.S. is $1,230 per month. The federal definition of affordable child care costs 7% or less of annual household income. The cost of center-based infant or toddler child care does not meet this definition in any state. Child care subsidies only cover the average cost of care for an infant in Hawaii, Indiana, and South Dakota. In half of all states, the gap between the subsidy rate and the cost of care exceeds $400 per month.
Many families who make the median income in their states cannot afford to send their infant or toddler to child care. In some states, child care costs can take up to 18% of their familys income.
In 28 U.S. states, the annual cost of child care exceeds the cost of college tuition. In Florida, for example, center-based infant care costs about $9,238 per year and public college tuition and fees cost about $4,455 per year. In Washington, D.C., infant care is $24,243 annual, more than four times the annual cost of college tuition.
Here are the 10 states with the highest child care costs:
Safeguarding Your Information And Online Transactions Strong Technologies And Technical Controls
We use the following methods to help keep your online transactions and personal information safe and secure.
Username and password requirements
To help prevent unauthorized access, we prompt you to create a unique username and password when you first access your account. A password is a string of characters used to access information or a computer. Passwords help prevent unauthorized people from accessing files, programs, and other resources. When you create a password you should make it strong, which means it should be difficult to guess or crack. See below for hints in creating a password that would be difficult to crack.
A Strong Password
- Minimum of eight characters long
- Includes numbers, symbols, upper-case and lower-case letters
- Does not contain your username, real name or company name
- Does not contain a dictionary word
- Is significantly different from the previous passwords
Image verification during login
Before you enter your online password, we ask that you verify your personalized security image. This image would be one that you selected during the creation of your web account. Once the image you have selected is displayed, you can be confident that you are accessing our website, as opposed to a fake site that may be attempting to “phish” for your personal information. If you ever log in and do not see the image you’ve selected or the image is incorrect, STOP, do not input your password. Please immediately report this to your plan’s customer service team.
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Where Can You Find A Caregiver
Ready to start your search for your child care? For accredited day care centers, start with the National Association for the Education of Young Children , which maintains a list of accredited facilities and is updated on Fridays.
You can also check out your states government website. It often has a directory of licensed child care providers and their locations, health and safety details, ages of children served, capacity and hours of care.
Another great way to find top notch candidates or reputable centers is word of mouth. Dont be shy about asking parents you see in your community if they can recommend a great infant caregiver.
Nursery school teachers and your childs pediatrician are also good sources, as are bulletin boards at your doctors office, library or place of worship.
From the What to Expect editorial team and Heidi Murkoff, author of What to Expect When You’re Expecting. What to Expect follows strict reporting guidelines and uses only credible sources, such as peer-reviewed studies, academic research institutions and highly respected health organizations. Learn how we keep our content accurate and up-to-date by reading our medical review and editorial policy.
- What to Expect the First Year, 3rd edition, Heidi Murkoff.