jordancoles wrote:shubla wrote:jordancoles wrote:As of today Canada is offering emergency unemployment funding which is about $2k/month for the next 4 months if you lost your job due to the virus
In my country they offer this by default no matter if there is coronavirus or not.
It's not 2k though, maybe living in canada is more expensive.
$1200CAD/month in rent alone where I'm at for a 2 bedroom basement, and that's mid-level rental fee for BC. In Vacouver I had a friend paying $1700/month for his half of a shared 2 bedroom
BC has a housing crisis though and a lot of people want to live here
In more rural areas you can pay $600-800
Ohh CAD? I didn't know your currency was that devalued, I revert my claim.
In Finland, 1 room apartment (old, cheap and shitty ones far from everything) costs 1000CAD a month in rent (well near the capital at least, but why would you want to live in forest or something!).
There are many forms of welfare in FInland, how much you get depends on which welfare you are on.
If you have low income, you get 80% of your rent paid by the state (with maximum cap of around 400€ in capital city, a bit less elsewhere)
If you are a student, you get 250€ a month and 650€ of state backed loan for each month that you study (9 months a year usually), but sadly, there is a strict limit on how long you can study and get aid, few decades ago you could extend your studies for a really long time and still get the aid, but these days you cannot extend your studies at all without losing all of the studying benefits.
If you are not eligible for any other supports, you get the worst and smallest basic aid.
If you are unemployed, you get an unemployment aid(s).
If you are "disabled enough" you may get disablement aid. (Disablement is measured in percentages, which I find funny)
If you are old enough, and poor, and dont have any other income you may get state-pension, which is ridiculously small amount of money.
But getting these aids is not easy, making any business with KELA, (social insurance institution) is notoriously difficult and complicated bureaucracy hell. Their processing times are long (weeks/months, long time to wait for money to pay your rent or buy food...). When you get your decision it is sometimes difficult to comprehend what it says, because it's all written in very bureaucratic-like gobbledygook.
They make mistakes all the time. For example, I once earnt one-time income of like 300 euros. They deducted the income from my aid THREE TIMES. It took months to sort out the things so they would only deduct it once.
Which brings us to some problems with the current social welfare system...
For example, if you get financial support for your studies, you can earn a decent amount of money on the side, without the aid getting any smaller. But the financial aid doesn't scale with your rent, and you have to study, by definition of one ECTS credit, around 10 hours every day to get it. Luckily the definition of ECTS-credit rarely accurately describes the amount of work that your studies will really take.
Unemployment benefits are complicated, there are multiple types of them. I am not that familiar with them all, but basically some of them require that you have done work in the last x days before getting unemployed. Some of them you can get without former work history by marking yourself as a job seeker in some center and attending in some (often very useless) meetings and infos on how to seek for jobs etc.
Basic aid is kind of the worst aid. If you have any other income on the side, you will lose your benefit in 1:1 ratio, so basically if you earn 100€ a week by doing some small amount of work, you lose 100€ of your aid!
But the basic aid can be larger amount than for example the study aid. Because, the aid is your rent + base amount, which depends on your family size. So if you have high rent, you can get a lot more money than by studying for example, because rent doesn't affect your studying aid at all. Some people blame the system for increasing rents, because when state pays high rents for poor people, prices rise.
Some of these aids overlap, like you can get multiple different aids in different amounts and they all affect each other...
Wish there was just one basic income!