Please, no gloating from those living in Canada, France, Great Britain, Denmark, Germany, Belgium, Japan, Cuba or anywhere else in the civilized world where health care and bankruptcy aren't part of the same program.
Healthcare in Canada, yeah, right... :s Wanna hear a good one?
In late 2000, I broke my back at work. I went home, hoping that some rest would help. Had to call in sick the next 2 days, and on the second day, I went to the hospital.
I came in at 1 pm and managed to see a doctor past midnight. Staying seated for just 5 minutes was very painful, I'll let you imagine what those 11 hours on an uncomfortable hospital chair did to me.
The doctor's verdict - bad injury, and I would need to see a physiotherapist. When he told me how much that would cost me and that there was no way to tell how many appointments it'd take (could be one, could be twenty), I realized that I just couldn't afford the treatment. I was working for minimum wage, had no insurances, etc. Plus the doctor told me I couldn't go back to work for a while, so, no income.
I went back to my employer and explained the situation. Their answer was that -
1: they were letting me go because they didn't need someone w/ a broken back in the warehouse.
2: I had waited too long to go to the doctor and that they wouldn't allow me to get any form of compensation from the basic public insurance (CSST as we call back home). And being fired, I didn't have access to employment insurance either.
My only option was public welfare. Which was a total disgrace.
I had had to go that low once before, for a month. Another glorious chapter. I was looking for a job in a new city we had just moved to. I had no revenue, but the in-laws were helping for the first few months since we had moved there so that my (ex) wife could study. But the government demanded that I continue paying my own student load right away. When I told them about my situation, and that it'd be just for a month or two, they told me that the only way they could exempt me from payment was if I was on welfare. In other words, the only way for them to cut me a slack was if I asked them for money. Makes a lot of sense... So for a month I had been on welfare. The government had sent one big fat check my way - $178 for the month.
So when the opportunity to cash in on the system again presented itself, I passed on it and took a few gigs writing music for documentaries and such. But these were few and far between. My (ex) wife and I split. Obviously...
And that's how I ended up living in a walk-in over at my friends' place. Otherwise, I'd be on the street.
That's how wonderful it really is in Canada. There's a safety net - but there are definitely holes big enough in it for one to pass through.
On a positive note - my back got better on its own, though it isn't totally fixed. But once I was a bit better, training and exercises helped re-inforce it.