What to Think About
Paying for high-quality child care
Budgeting for child care takes work. Plan ahead and think about
your future child care expenses as far in advance as possible. Keep in mind
that it may take time to process applications or there may be a waiting list,
especially if you are trying to qualify for financial assistance.
Child care referral
agencies or other experts (such as some provincial or federal government
agencies) can help you research your options for child care financial
assistance. Some of the general options usually available are:1
- A new program called the Universal Child Care
Benefit (UCCB), which helps eligible families pay for child care. The program
provides $100 a month for each child under the age of 6 years. For more
information or to find out if you qualify for this program, visit the Canada
Revenue Agency Web site at:
http://www.cra-arc.gc.ca/benefits/menu-e.html.
- Provincial
child care subsidies. Guidelines vary by province, but generally low-income
families who are working or in school may be eligible for
assistance.
- Local programs. United Way, local government, community
groups, or faith-based organizations are all potential sources of financial
help.
- Employer/university support. Some employers and colleges
offer child care scholarships, child care discounts, or reduced rates at
on-site facilities.
- Child care program assistance. Some group child
care providers offer scholarships, discounts, or pricing according to your
income.
- Pre-kindergarten (Pre-K) programs. Some school districts
now offer free or low-cost educational programs for 3- and
4-year-olds.
- Aboriginal Head Start (AHS) and Early Learning
programs. Federal and provincially funded programs are available that offer
part-time or full-time free child care and other services for families who meet
federal poverty guidelines.
- Tax credits. You may be allowed
provincial and federal tax credits for child care expenses. Specific programs
and amounts depend on your household earnings, family size, and other
factors.
Also, it may help to think creatively about affording child care
and thinking about your options. Brainstorm ideas about ways you might be able
to reduce the number of hours of child care you need or about ways to pay for
it, such as:
- Sharing a nanny with a neighbour or a
friend.
- Pursuing a flexible schedule at work that allows you to
juggle child care and spend less. For example, you may ask if you can work 4
days a week for 10 hours and have an extra day off.
- Child care
co-operatives. If you need only part-time child care, you may be able to work
some hours caring for other children at the same time as you care for your
own.
Changing or ending child care
Child care changes are inevitable and require careful planning. As
children grow, their needs change. In addition, personal preferences, a move,
or other life events may require a different arrangement. Allow time for both
you and your child to adjust by talking about it ahead of time. You may want to
plan something special for your child's last day at the child care centre, such
as bringing treats and taking pictures.
Evaluate and plan for how you will accommodate a new routine, such
as different hours of care. Talk with your child about what to expect. Stress
the positive parts of the change, but acknowledge the challenges. Devise
strategies about how to overcome some of the expected difficulties.
Talk to your child's care provider as soon as you decide to make a
change in child care. Try to give 1 to 2 weeks' notice to allow the centre to
get ready for your child's departure.
Effects of child care
Many parents worry that the relationship with their child will
suffer for having another caregiver. Current research on the mother-child
relationship indicates that its quality is mainly determined by family
characteristics such as the mother's interaction with the child, her
educational background, and family income level.2
Another common concern of parents is whether children will develop
and learn to their potential in a child care setting. Research shows that the
quality of the parent's (in this study, the mother's) relationship with the
child best supports a child's mental and behavioural growth.2 The more sensitive, responsive, attentive, and mind
stimulating the mother is, the better the child will do in child care.
Help prevent illness
Your child is more likely to become ill when he or she is
frequently with other children. One recent study shows that children in child
care with more than 6 other children and who are between 3 and 4½ years of age
have more episodes of upper respiratory infections (such as a cold) than those
in nonparental care with fewer children or who are cared for at home.3 The spread of many contagious diseases can be reduced by
practising healthy hygiene
habits, regardless of what type of child care arrangement you have.
Hand sanitizers (such as Purell) can work as well as
or better than soap and water.
Establish a backup plan
Plan what you will do if your regular provider cannot keep your
child or if your child is sick. Children with mild
upper respiratory illnesses such as minor colds
usually can attend child care. (Usually, mild upper respiratory illnesses are
transmitted before symptoms developed.) Keep your child at home if he or she
has a condition that prevents
attending child care, such as a fever or a rash.
Know your responsibilities
If you use an individual care provider for your family on a regular
basis, you may be obligated to comply with employer rules and regulations of
the federal, provincial, and local governments.