Tag Archives: Canada

Canada’s single payer health care: pay up front, take a number and wait until you die

Price of healthcare per Canadian household (Source: Fraser Institute)
Price of healthcare per Canadian household (Source: Fraser Institute)

I post a lot of research from Canada’s Fraser Institute, but they are not the only think tank that publishes research on the efficiency and costs of single payer health care in Canada. This time, I found a report from the Heritage Foundation, where they go over quality of care, taxes, out of pocket costs, coverage, rationing, waiting lists, staff shortages, substandard equipment, and outdated drugs.

Here’s the report from the Heritage Foundation. I’ll focus on the differences.

Canadians pay slightly less in out of pocket costs:

The OECD calculates that Canadians spend 1.6 percent of GDP on out-of-pocket health spending, compared to 1.9 percent in the U.S.

[…]While these numbers are very close, they are actually getting closer. Since 1970, U.S. out-of-pocket spending as a percentage of total medical spending has been falling steadily, from 33 percent in 1970 to about 10 percent in 2017.19

Meanwhile, Canadian out-of-pocket spending has been falling much slower, so that by 2016 it totaled 15 percent of total medical spending—a higher proportion than in the U.S.20

 As a result, Statistics Canada warned in early 2020 that the percentage of Canadians experiencing large out-of-pocket burdens is growing, writing that “[b]etween 1998 and 2009…the percentage of households spending more than 10% of their total after-tax income on health care rose by 56%.”

Canadians pay more in federal and state taxes:

Federal taxation excluding social security contributions, then, comes to 28 percent of GDP in Canada, compared to just 19 percent in the U.S.—meaning 51 percent more.

[…]This excess taxation is largely a result of health spending, which has bloated provincial budgets to nearly three times the taxes of U.S. states.

Provincial taxes have grown to nearly the same level as federal taxation. Meanwhile, provincial health costs have risen to fully 37 percent of provincial budgets in 2016—up from 33 percent in 1993 – —and range as high as 42 percent.

Canada’s Fraser Institute has estimated this excess tax burden from public health costs at roughly $9,000 for a household of two adults with or without children or $750 per month in additional taxes.

When I wanted an MRI I was scheduled the same week
When I wanted an MRI I was scheduled the same week

Canadians wait far longer for treatment than Americans:

Medical waiting times have become a national crisis in Canada, and continue to worsen. The average wait time for medically necessary treatment between referral from a general practitioner and a consultation with a specialist was 8.7 weeks in 2018, 136 percent longer than in 1993. Patients then have to wait again between seeing the specialist and the actual treatment, another 11 weeks on average, 97 percent longer than in 1993.

From referral to treatment, then, it takes an average of 19.8 weeks (see Chart 2) to be treated, in addition to the original wait to see the family doctor in the first place—this for “medically necessary” treatment, not cosmetic surgery.

In contrast, nearly 77 percent of Americans are treated within four weeks of referral, and only 6 percent of Americans report waiting more than two months to see a specialist.

As for appointments, a 2017 survey of American physicians in the 15 largest U.S. cities found that it took just 24 days on average to schedule a new-patient physician appointment, including 11 days for an orthopedic surgeon and 21 days for a cardiologist.

As a result of these long waits, by one recent estimate, at any given moment, over one million Canadians—3 percent of the entire population—are waiting for a medical treatment.

These lists can average six months, and often much longer in rural areas, which tend to suffer from doctor shortages so severe that many do not even have a family doctor. Overall, 15 percent of Canadians did not have a regular health care provider in 2017.

The shortages ripple through the system; one doctor in Ontario called in a referral to the local hospital, only to be told there was a four-and-a-half year wait to see a neurologist.

In Canada, people die or become inoperable on waiting lists:

A Montreal man was finally called for his long-delayed urgent surgery two months after he had died. One 16-year-old boy in British Columbia waited three years for an “urgent” surgery, during which time his condition deteriorated so much that he became a paraplegic.

Canadians have to travel abroad to countries with functioning health care systems in order to be treated:

These cases are, unfortunately, not isolated; a survey of specialists found that average wait times exceed what is deemed clinically “reasonable” for fully 72 percent of conditions in Canada. The situation continues to worsen every year: In 1994, the average gap between clinically reasonable delay and actual delay was only four days, and by 2018 had grown to 23 days.

[…]With one million waiting, many Canadians turn in desperation to U.S. health care—the very system some U.S. policymakers propose to transform. In 2017 alone, Canadians made 217,500 trips to other countries for health care, of which 52,500 were to the U.S., paying out of pocket to skip the waiting.

Outdated equipment, outdated drugs, staff shortages:

 While the average employer-sponsored private insurance plan in Canada covers between 10,000 and 12,000 drugs, most public plans in Canada only cover 4,000. Canada has 35 percent fewer acute care beds than the U.S., and only one-fourth as many magnetic resonance imaging (MRI) units per capita—indeed, it has fewer MRI units per capita than Turkey, Chile, or Latvia.

[…]Some common treatments are simply unavailable to Canadians. For new pharmaceuticals, for example, Canada’s policy of forcing down prices so that American consumers essentially pay for Canada’s research and development has led to years-long delays for Canadian patients.

[…]Cutting corners on facilities and using outdated drugs show up in Canadian mortality rates. Thirty-day in-hospital mortality rates in Canada are 20 percent higher than in the U.S. for heart attacks, and nearly three times the U.S. level for strokes. Cancer age-standardized mortality is 10 percent higher in Canada than in the U.S.—despite far healthier lifestyles.

[…]When it comes to personnel, Canada underspends on medical staff and doctors, ranking 29th out of 33 among high-income countries for doctors per 1,000 population, accounting for a large part of those wait times. Canada has half as many specialist physicians per capita as the U.S.

[…]With such shortages and waiting lists, Canadian emergency rooms are packed. So packed that Canadians sometimes just give up and go home. Of Canadian ER visitors who are seen, 29 percent report wait times of over four hours, three times the U.S. level.

[…]Canadian seniors are 65 percent more likely to have visited the emergency room (ER) four or more times in the past year than American seniors.

Ultimately, nearly 5 percent of Canadian ER visitors end up leaving without ever being treated, giving up on a medical system that is perennially “free” but out of stock at the moment. In one study at two ERs in Alberta, 14 of the 498 walkaways were subsequently hospitalized, and one died within the week.

And keep in mind how things work in a single payer system. You pay up front through your taxes. The harder you work, the more you pay into the system. When you want treatment, you just get in line behind people who never paid one dime into the system – like all those low-skill refugees that Canada imports from Middle Eastern countries to build up the socialist voting bloc.

Fascism: Canadian court rules that child can change genders without parental consent

In Canada, citizens pay taxes, but the government makes the decisions
In Canada, citizens pay taxes, but the government makes all the decisions

The Federalist reports:

For the past 11 months, Robert Hoogland, a father in Surrey, British Columbia, has been forced to watch as his 14 year-old daughter was “destroyed and sterilized” by court-ordered testosterone injections. After losing his legal appeal to stop the process in January… is making a desperate attempt to bring his case into the courts of public opinion, even though it breaks a court order demanding his silence about the case.

“I had a perfectly healthy child a year ago, and that perfectly healthy child has been altered and destroyed for absolutely no good reason,” Rob said in an exclusive interview. “She can never go back to being a girl in the healthy body that she should have had… She won’t be able to have children…”

[…][T]he courts judged his daughter competent to take testosterone without parental consent… [and] he was convicted of “family violence” by the BC Supreme Court for his “expressions of rejection of [his daughter’s] gender identity.” He was also placed under threat of immediate arrest if he was caught referring to his daughter as a girl again.

[…]Rob remains under a strict gag order forbidding him from speaking about his daughter’s case in public and requiring that he “acknowledge and refer to [his daughter] as male” in private.

The Nazis didn’t want the rest of the world finding out about their bullying of the parents, so they tried to cover up their fascism with publication bans and threats of immediate arrest and imprisonment.

How far would the secular leftist Nazis in Canada go to cover up their coercion of the father with armed police?

This far:

[…]Rob granted two video interviews to Canadian YouTube commentators about his case… [T]he commentators who granted them quickly found themselves under threats of litigation. Rob’s first interview was immediately taken down. Rob’s second interviewer… faced similar threats, but initially refused to take her video (not currently available in Canada) down.

[…]Justice Michael Tammen of the British Columbia Supreme Court ordered that Thompson’s interview and various social media posts be taken down. When Thompson stalled, trying to keep a rapidly sharing copy of her interview available to Canadians on Bitchute, the police were sent to her house to demand she take the video down.

Tammen also harshly reprimanded Rob for speaking about his case to the media, warning him that if he broke his silence again, he would likely be cited for contempt of court.

Canada is not a free country that respects human rights. It is a tyranny ruled by secular leftist fascists. Keep in mind that the Nazis who are doing this to the father are all taxpayer-funded. The father is paying all of their salaries through his mandatory taxes. And he doesn’t get an opt-out. Just like the Jews in 1930s Germany, his only opt-out from tyranny is to leave the country… if he is able to legally immigrate somewhere else.

You can see the actual Nazis behind the attack on the father in the story, you can check out this story from Mass Resistance, where they have photos and names of all the intolerant, bigoted, hate-filled Nazis responsible for this miscarriage of justice. These people have this much power over individuals because Canadians voted for an enormous government to run their lives in education, healthcare, crime prevention, daycare, retirement, etc. The government runs everything, and the individuals are like children – with no space to make their own decisions and run their own lives.

Lest you think that this is just one rogue province, the Canadian legislature has actually introduced a bill (C-8) that allows the government to jail parents who refuse to approve their child’s gender transition for up to 5 years:

Under C-8, parents could spend up to five years in jail for trying to help their son accept himself as a boy, or for helping their daughter to accept herself as a girl. Bill C-8 also would impose prison terms up to five years for doctors, counselors, psychiatrists, psychologists and other paid professionals whose treatment for gender confusion departs from politically correct orthodoxy. Parents would be punished if they do anything other than encourage a confused child to “transition” to the opposite gender. Transitioning is an extreme form of intervention that includes taking puberty blockers, cross-sex hormones, and undergoing permanent surgical sterilization, including the removal of healthy organs such as breasts and testicles.

When government is running something, the taxpayers have no power. They have already paid for the services through taxes, and they are at the mercy of the secular leftist Nazis who run the system. If we don’t defeat the Democrats in elections in America, we should expect the same sort of elimination of human rights under a fascist totalitarian state as we see right now in Canada. Canadian voters (including Canadian Christians) sold out their human rights for government-provided “free stuff” long ago.

We should look at the Canadian experiments with socialism. It seems pretty clear to me that when the secular left gets power, it’s the end of liberty. It’s the end of conscience. It’s the end of human rights. And the same thing could happen here. If the Democrats win enough elections, you will not have a right to run your life as you see fit. You will pay secular leftist Nazis to run your life as they see fit.

And by the way, American public school teacher unions want the exact same rules in place as in this Canadian case, as the Daily Signal reports. Which is why you should support school choice.

One final point. In America, about 75% of young, unmarried women vote for more government control and less freedom when they vote for the Democrat party. Women go through high school and university, and they just adopt the secular left values of their teachers and professors, because it makes them feel good and look good. They don’t think about how these big government policies are perceived by marriage-minded men, and about how it diminishes their opportunities to get married and have a family.

Women need to understand that good men do not get involved in marriage and child-bearing if all they are allowed to do is earn money to pay bureaucrats to rule their family. Men marry when they think that they will have the respect of their wife and children, and when they will be allowed to lead the home. And unfortunately, almost all women today learn nothing about respect for husbands as leaders and fathers as providers. And that includes what Christian women learn from their Christian parents, their Christian schools, and in their Christian churches. It’s almost impossible to find anyone in the Christian culture brave enough to stand up to warn Christian women not to make decisions that will cause men to see the marriage enterprise as an unattractive value proposition.

It’s a huge mistake for young, unmarried women to destroy male leadership by siphoning family money and discretionary power into the hands of secular leftist fascists. Good men will not marry or have children if secular leftists are ruling his marriage and his home. Get that straight. There is no use complaining about “where are all the good men?” and “why are men afraid of commitment?” when your voting is the root cause of the problem of men going on strike against marriage and family. Take responsibility and fix the problem. Or stop complaining.

Canadian government cuts funding to hospital that refused to kill patients

Price of healthcare per Canadian household (Source: Fraser Institute)
Price of healthcare per Canadian household (Source: Fraser Institute)

It’s election time in the United States, and many of the Democrat candidate are putting forward government-run health care as an improvement to our current system. Candidates like Bernie Sanders are pointing to the “success” of health care in countries like Canada. I’ve blogged previously about single-payer health care in Canada, but this new story from last week even shocked me.

Catholic News Agency reported:

A hospice in Canada has lost its funding and is being forced to close after refusing to offer and perform medically assisted suicides.

The Irene Thomas Hospice in Delta, British Columbia, will lose $1.5 million in funding and will no longer be permitted to operate as a hospice as of February 25, 2021. Fraser Health Authority, one of the six public health care authorities in the province, announced on Tuesday that it would be ending its relationship with the hospice over its refusal to provide medically assisted deaths to its patients.

Per Fraser Health’s contract with the Delta Hospice Society, which administers the Irene Thomas Hospice, a one-year notice had to be provided before funding could be withdrawn without cause.

“We have made every effort to support the board to come into compliance and they have been clear that they have no intention to,” said British Columbia Health Minister Adrian Dix in a statement.

Government-run health care is very popular in Canada, even with many self-described Catholics. They probably couldn’t foresee that handing all the money for health care to the government would cause them to have to choose between being fired from their jobs and killing innocent people. Fortunately, they chose to leave their jobs in order to not kill innocent people. I would expect that people in Nazi Germany or Communist USSR were faced with similar choices: kill others or starve.

Health care in Canada

So, it’s important to understand how health care works in Canada. You pay into a system based on your ability to earn, and then when you need care, you get in line behind people who never paid. That’s called “equality” and “fairness”. You can’t pay a doctor directly to get faster or better care, because in a single payer system, paying a doctor to get immediate or better treatment is illegal.

So while you’re waiting in line, who decides whether you get treated? The secular leftists in government decide, because they decide what the government will pay for. You work and pay into the system. You pay the salaries of the government workers. And then they dole out health care as they see fit, according to their secular leftist worldviews.

If you need an abortion, that’s free and taxpayer-funded. Drug needles? They’re free. In vitro fertilization? You get two rounds for free. Sex-reassignment surgery? That’s free too. But if you’re old, then you might not get any treatment. After all, your days of voting are behind you. Many people die on waiting lists, especially poor people who can’t fly to America for better care. That’s Canadian health care.

People die on waiting lists in Canada

Here’s an example, reported in the UK Daily Mail:

A girl who died of leukemia was given a final send off after her friends signed her casket with loving messages on January 30.

[…]Laura might have experienced a few more milestones if a Hamilton, Ontario, Canada, hospital had been able to accommodate a bone marrow transplant for the young woman.

Numerous donors were a match with Laura and ready to donate, but Hamilton’s Juravinski Hospital didn’t have enough beds in high-air-pressure rooms for the procedure.

Hospital staff told her they had about 30 patients with potential donors, but the means to only do about five transplants a month.

[…]Dr. Ralph Meyer, Juravinski’s vice-president of oncology and palliative care, told Ontario’s TheStar.com there are plenty of others facing the same situation as Laura in Canada.

It just wasn’t important for the government of Canada to spend a lot of money buying one vote. It was much more cost-effective for them to spend a little bit of money on many voters who just needed birth control and abortions. There are a lot of votes to buy from people making reckless decisions with sex. But they don’t have the money for one expensive cancer patient. They let her die because they didn’t need her vote to get re-elected.

And keep in mind, her parents wouldn’t have been able to pay the doctors to do anything. They paid for all the health care they got through their taxes. And those taxes were used to pay for all the people who needed birth control, abortions, sex changes, IVF, etc. When it was time for the government to pay for their daughter, the government had no money left to save her. And her parents had no money left to take her to America, because they trusted the atheist elites in the government to provide their family with health care. That’s why they paid them up front with their taxpayer dollars.

Canada’s single payer health care: pay up front, take a number and wait until you die

Price of healthcare per Canadian household (Source: Fraser Institute)
Price of healthcare per Canadian household (Source: Fraser Institute)

I post a lot of research from Canada’s Fraser Institute, but they are not the only think tank that publishes research on the efficiency and costs of single payer health care in Canada. This time, I found a report from the Heritage Foundation, where they go over quality of care, taxes, out of pocket costs, coverage, rationing, waiting lists, staff shortages, substandard equipment, and outdated drugs.

Here’s the report from the Heritage Foundation. I’ll focus on the differences.

Canadians pay slightly less in out of pocket costs:

The OECD calculates that Canadians spend 1.6 percent of GDP on out-of-pocket health spending, compared to 1.9 percent in the U.S.

[…]While these numbers are very close, they are actually getting closer. Since 1970, U.S. out-of-pocket spending as a percentage of total medical spending has been falling steadily, from 33 percent in 1970 to about 10 percent in 2017.19

Meanwhile, Canadian out-of-pocket spending has been falling much slower, so that by 2016 it totaled 15 percent of total medical spending—a higher proportion than in the U.S.20

 As a result, Statistics Canada warned in early 2020 that the percentage of Canadians experiencing large out-of-pocket burdens is growing, writing that “[b]etween 1998 and 2009…the percentage of households spending more than 10% of their total after-tax income on health care rose by 56%.”

Canadians pay more in federal and state taxes:

Federal taxation excluding social security contributions, then, comes to 28 percent of GDP in Canada, compared to just 19 percent in the U.S.—meaning 51 percent more.

[…]This excess taxation is largely a result of health spending, which has bloated provincial budgets to nearly three times the taxes of U.S. states.

Provincial taxes have grown to nearly the same level as federal taxation. Meanwhile, provincial health costs have risen to fully 37 percent of provincial budgets in 2016—up from 33 percent in 1993 – —and range as high as 42 percent.

Canada’s Fraser Institute has estimated this excess tax burden from public health costs at roughly $9,000 for a household of two adults with or without children or $750 per month in additional taxes.

When I wanted an MRI I was scheduled the same week
When I wanted an MRI I was scheduled the same week

Canadians wait far longer for treatment than Americans:

Medical waiting times have become a national crisis in Canada, and continue to worsen. The average wait time for medically necessary treatment between referral from a general practitioner and a consultation with a specialist was 8.7 weeks in 2018, 136 percent longer than in 1993. Patients then have to wait again between seeing the specialist and the actual treatment, another 11 weeks on average, 97 percent longer than in 1993.

From referral to treatment, then, it takes an average of 19.8 weeks (see Chart 2) to be treated, in addition to the original wait to see the family doctor in the first place—this for “medically necessary” treatment, not cosmetic surgery.

In contrast, nearly 77 percent of Americans are treated within four weeks of referral, and only 6 percent of Americans report waiting more than two months to see a specialist.

As for appointments, a 2017 survey of American physicians in the 15 largest U.S. cities found that it took just 24 days on average to schedule a new-patient physician appointment, including 11 days for an orthopedic surgeon and 21 days for a cardiologist.

As a result of these long waits, by one recent estimate, at any given moment, over one million Canadians—3 percent of the entire population—are waiting for a medical treatment.

These lists can average six months, and often much longer in rural areas, which tend to suffer from doctor shortages so severe that many do not even have a family doctor. Overall, 15 percent of Canadians did not have a regular health care provider in 2017.

The shortages ripple through the system; one doctor in Ontario called in a referral to the local hospital, only to be told there was a four-and-a-half year wait to see a neurologist.

In Canada, people die or become inoperable on waiting lists:

A Montreal man was finally called for his long-delayed urgent surgery two months after he had died. One 16-year-old boy in British Columbia waited three years for an “urgent” surgery, during which time his condition deteriorated so much that he became a paraplegic.

Canadians have to travel abroad to countries with functioning health care systems in order to be treated:

These cases are, unfortunately, not isolated; a survey of specialists found that average wait times exceed what is deemed clinically “reasonable” for fully 72 percent of conditions in Canada. The situation continues to worsen every year: In 1994, the average gap between clinically reasonable delay and actual delay was only four days, and by 2018 had grown to 23 days.

[…]With one million waiting, many Canadians turn in desperation to U.S. health care—the very system some U.S. policymakers propose to transform. In 2017 alone, Canadians made 217,500 trips to other countries for health care, of which 52,500 were to the U.S., paying out of pocket to skip the waiting.

Outdated equipment, outdated drugs, staff shortages:

 While the average employer-sponsored private insurance plan in Canada covers between 10,000 and 12,000 drugs, most public plans in Canada only cover 4,000. Canada has 35 percent fewer acute care beds than the U.S., and only one-fourth as many magnetic resonance imaging (MRI) units per capita—indeed, it has fewer MRI units per capita than Turkey, Chile, or Latvia.

[…]Some common treatments are simply unavailable to Canadians. For new pharmaceuticals, for example, Canada’s policy of forcing down prices so that American consumers essentially pay for Canada’s research and development has led to years-long delays for Canadian patients.

[…]Cutting corners on facilities and using outdated drugs show up in Canadian mortality rates. Thirty-day in-hospital mortality rates in Canada are 20 percent higher than in the U.S. for heart attacks, and nearly three times the U.S. level for strokes. Cancer age-standardized mortality is 10 percent higher in Canada than in the U.S.—despite far healthier lifestyles.

[…]When it comes to personnel, Canada underspends on medical staff and doctors, ranking 29th out of 33 among high-income countries for doctors per 1,000 population, accounting for a large part of those wait times. Canada has half as many specialist physicians per capita as the U.S.

[…]With such shortages and waiting lists, Canadian emergency rooms are packed. So packed that Canadians sometimes just give up and go home. Of Canadian ER visitors who are seen, 29 percent report wait times of over four hours, three times the U.S. level.

[…]Canadian seniors are 65 percent more likely to have visited the emergency room (ER) four or more times in the past year than American seniors.

Ultimately, nearly 5 percent of Canadian ER visitors end up leaving without ever being treated, giving up on a medical system that is perennially “free” but out of stock at the moment. In one study at two ERs in Alberta, 14 of the 498 walkaways were subsequently hospitalized, and one died within the week.

And keep in mind how things work in a single payer system. You pay up front through your taxes. The harder you work, the more you pay into the system. When you want treatment, you just get in line behind people who never paid one dime into the system – like all those low-skill refugees that Canada imports from Middle Eastern countries to build up the socialist voting bloc.

New study: Angus Reid Institute analyzes Canada’s single payer healthcare system

Price of healthcare per Canadian household (Source: Fraser Institute)
The cost of healthcare for average Canadian households

I found two interesting studies from Canada’s Angus Reid Institute describing single payer health care in Canada. I’m very interested in find out what things are like in countries that have true government-run health care. A typical Canadian family pays $13,000+ per year per household for healthcare, or about $585,000 over their working lives. What are they getting for all that money?

Here is the first Angus Reid article:

The study finds more than 2 million Canadians aged 55 and older face significant barriers when accessing the health care system in their province, such as being unable to find a family doctor or experiencing lengthy wait-times for surgery, diagnostic tests, or specialist visits.

Moreover, most Canadians in this age group have at least some difficulty getting the care they want or need in a timely manner.

The study focuses on the health care experiences of older Canadians, as well as their assessments of the quality of care they receive.

According to the article, 31% of respondents (aged 55 and older) rated access to the government’s healthcare system as “easy”. 48% had “moderate” problems with access, and 21% had “major” problems with access.

Remember: in the Canadian system, you pay your money up front in taxes, and then they decide how much healthcare you will get later – and how soon you will get it. If you worked from ages 20 to age 65, then your household will have paid 45 x $13,000 = $585,000 into the system, in order to get “moderate” problems with accessing healthcare after you’re aged 55.

And the Canadian system DOES NOT cover prescription drugs.

The second Angus Reid article explains:

This second part of the study finds one-in-six Canadians (17%) in the 55-plus age group – a figure that represents upwards of 1.8 million people – say that they or someone else in their household have taken prescription drugs in a way other than prescribed because of cost.

One-in-ten (10%) have decided to simply not fill a prescription because it was too expensive, and a similar number (9%) have decided not to renew one for the same reason. One-in-eight (12%) have taken steps to stretch their prescriptions, such as cutting pills or skipping doses.

Some 17 per cent of Canadians 55 and older have done at least one of these things, and that proportion rises among those who have greater difficulty accessing other aspects of the health care system.

In a previous blog post, I reported on how Canadians have to wait in order to see their GP doctor. If that doctor refers them to a specialist, then they have to wait to see the specialist. And if that specialist schedules surgery, then they have to wait for their surgery appointment. The delays can easily go from weeks to months and even years. The MEDIAN delay from GP referral to treatment is 19.5 weeks.

But remember – they paid into the system FIRST. The decisions about when and if they will be treated are made later, by experts in the government. This is what it means for a government monopoly to run health care. There are no free exchanges of money for service in a competitive free market. Costs are controlled by delaying and withholding treatment. And no one knows this better than elderly Canadians themselves. But by the time they realize how badly they’ve been swindled, it’s too late to get their money back out. You can’t pull your tax money out of government if you are disappointed with the service you receive. There are no refunds. There are no returns.