If you had Scandinavian bennies ...

Avatar for rollmops2009
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Registered: 02-24-2009
If you had Scandinavian bennies ...
50
Mon, 04-19-2010 - 7:40am
I am curious. If you had Scandinavian social benefits – 1 year of paid parental leave, free health care and dental/ortho for the kids, no future college costs as well as subsidized daycare and after school care – would it affect your decision about SAH or WOH, either way?

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What would men be without women? Scarce, sir, mighty scarce.

Mark Twain

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Registered: 05-06-2007
Tue, 04-20-2010 - 9:56am
Wow. I just did the math, and we also pay less for our mortgage each month than we do for daycare in the summer. During the school year it's about even since DD only goes for afterschool care, but wow. What an eye opener.
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&nbs

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Registered: 08-29-2002
Tue, 04-20-2010 - 10:00am

I don't know how it is in Denmark, but in Sweden each person has to work for his/her own retirement. Also, there is no such thing as joint taxation. Each person is taxed as an individual regardless of marital status.

Avatar for rollmops2009
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Registered: 02-24-2009
Tue, 04-20-2010 - 11:56am
Do you mean the equivalent of social security? If so, I think everyone gets a minimum, but I am not sure if a SAH wife can "take over" her dh's SS. When my mother was a SAHM, she bought a retirement annuity to augment her retirement benefits.

*^*^*^*^*

What would men be without women? Scarce, sir, mighty scarce.

Mark Twain

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Registered: 08-29-2002
Tue, 04-20-2010 - 12:59pm

At least in Sweden, it depends greatly on when the woman was born. The right to a widow's pension based on the husband's earnings was phased out at one point, but in increments. The older the woman is, the more right she has to the pension based on the assumption that she had fewer opportunities to work and earn her own pension.

I think for women born from the 1950s, there is no right to a state pension based on the husband's earnings, though there is a guaranteed minimum amount of money one can get if one has lived in Sweden for more than 30 or 40 years (can't remember which) and never worked. The amount is really not great, so women do tend to have a fairly strong incentive to work if they want to have a decent pension.

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Registered: 02-19-2008
Tue, 04-20-2010 - 6:13pm
This reminds me of Canada. We currently get 1 year off for maternity/paternity. For 6 months you get paid 75% of your salary and the last 6 months is 55% of your salary. It can be shared with your partner. Your spouse also gets a separate 5 weeks off at 75% of his salary that is his alone to use. We do have subsidized daycare, it's $7/day and very well run. As far as health care most companies offer a separate coverage so whatever medical coverage is not free (and a lot is in Canada) you will get at least 80% coverage on the rest. The only thing we don't have is future college costs paid but there are programs in place for savings in which the government will help you if you open an RESP. They are actually quite generous with that. Having said all that both me and my spouse still work because the cost of living here is high, taxes are high, and going up again!! It's just not possible to be a SAHM or SAHD right now and it's not looking any brighter in the future either, if anything the costs will be higher and higher the way it's going!
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Registered: 02-06-2009
Wed, 04-21-2010 - 11:16am

<I am curious. If you had Scandinavian social benefits – 1 year of paid parental leave, free health care and dental/ortho for the kids, no future college costs as well as subsidized daycare and after school care – would it affect your decision about SAH or WOH, either way?>


We have some of the things on the list already, but subsidised daycare would be fantastic. It wouldn't have affected my 'decision' (not really a decision since I HTW), but it would make working far more worthwhile.


Oh, and if I'd had a year's full pay, I would have taken a full year's leave. In the UK you can take a year, but you get an absolute pittance for the majority of that time.

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Registered: 02-24-2010
Mon, 05-10-2010 - 6:51pm

Hate to say it,

Avatar for rollmops2009
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Registered: 02-24-2009
Tue, 05-11-2010 - 3:54am
That makes sense. May I ask why your dh does not want to help his kids with college?

*^*^*^*^*

What would men be without women? Scarce, sir, mighty scarce.

Mark Twain

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Registered: 06-17-2004
Thu, 06-10-2010 - 8:09am

<<<>>>

Well in Germany it is fairly close to that. Main reason I am a SAHM. Why it lasted so long is that daycare is freaking hard to get and there are waiting list. I have been working part time since November waiting for a spot. I am finally going back to work full time only to put my DD in daycare. As I don't know anyone with children in the same age and the small village we live in has almost no children, one in her age but I don't know them. So I am going to work from crap money just so she can have socialization skills and play with kids her age. She is almost 2 so it is time I get some adult time before we work on the second and last child.

Breakdown of my benefits are 12 months paid (2 for father, 12 mother or other ways possible, for mother no more than 12 months) 67% of what I earned in the last year (it is changing to 65% for those above 1250€ a month before taxes, still not affecting me).

Health care is not free, but everyone has it. For public care it is a % of what you earn. I am currently on my DHs, until I work full time. DD goes to the Dr with out copays, and her medications or prescriptions are free (mostly lotions for her bad skin, and Vitamin D). No dental here, :(.

College costs are minimum here, 500€ per semester I think, all depends on the Uni. That, of course, could all change in the future. When she is 16/18 she has a certain amount set aside for whatever she chooses, whether college or ausbildung.

Daycare is subsidized, with food it will cost me about 300€ per month for full time (10hours) for a child under 3. That is still a lot for what I will be earning.

We also get 184€ per month kindergeld (childrens money) until she is on her own. This is just for having a child, and it is money to help support her.

Taxes are high and some of the worst in the world, but overrall benefits are good if you have no job, can't find a job and are long time unemployed. It is very difficult to be homeless here.

ET: to make it easier to read.

Oh, if DHs job goes away we are looking to move to Scandanavia.




Edited 6/10/2010 8:17 am ET by amberlee127


Lilypie Zweiter Ticker
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Registered: 06-17-2004
Thu, 06-10-2010 - 8:32am

I guess for you or Laura, how are the waiting list for the daycares? Particularly under 3? They say as soon as you are pregnant put your name down on a waiting list!

I was only working freelance prior to giving birth and wasn't planning to go back there, so I never put my name on the list for a place. 1 year and 3 months I got a simple job but no daycare place available in a 15km radius. So I waited 7 months for the one 3kms away, which is also less than 1km from my work, makes sense! Almost 2 and finally getting to play with other children. This place is available in July, so I start working next month full time.

Glad to know that for above 3 the costs are halved so I will be able to keep her in kindergarten after the next/last is born (first gotta make it :) ) But will know to put it on the waiting list a lot sooner if I want to work. :D


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