home_care_cost_model 0.1.0

checksums.yaml

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data/bin/home-care-cost-model

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+#!/usr/bin/env ruby
+$LOAD_PATH.unshift File.expand_path("../../lib", __FILE__)
+require "home_care_cost_model"
+require "json"
+
+result = HomeCareCostModel.calculate(
+  adl_katz_score: 2,
+  iadl_lawton_score: 1,
+  province: "BC",
+  household_composition: "with_spouse",
+  cognitive_status: "moderate",
+  mobility_status: "walker",
+  primary_diagnosis_category: "dementia",
+  informal_caregiver_hours_per_week: 20.0,
+  net_family_income_cad: 72000.0,
+  has_dtc: true,
+)
+
+if ARGV.include?("--json")
+  puts JSON.pretty_generate(result)
+else
+  puts "Home Care Cost Model — Ruby Engine v#{HomeCareCostModel::VERSION}"
+  puts "======================================================"
+  puts "Jurisdiction: #{result[:province]}   Tax year: #{result[:tax_year]}"
+  puts "Recommended PSW hours/week:      #{result[:recommended_psw_hours_per_week]}"
+  puts "Recommended housekeeping h/w:    #{result[:recommended_housekeeping_hours_per_week]}"
+  puts "Recommended nursing h/w:         #{result[:recommended_nursing_hours_per_week]}"
+  puts "Service mix:                     #{result[:recommended_service_mix]}"
+  puts "Private pay monthly CAD:         $#{'%.2f' % result[:private_pay_monthly_cad]}"
+  puts "Subsidy value monthly CAD:       $#{'%.2f' % result[:subsidy_value_monthly_cad]}"
+  puts "OoP before credits monthly CAD:  $#{'%.2f' % result[:out_of_pocket_before_credits_monthly_cad]}"
+  puts "Tax credits annual CAD:          $#{'%.2f' % result[:total_credits_value_cad]}"
+  puts "OoP after credits monthly CAD:   $#{'%.2f' % result[:out_of_pocket_after_credits_monthly_cad]}"
+  puts "OoP after credits annual CAD:    $#{'%.2f' % result[:out_of_pocket_after_credits_annual_cad]}"
+  puts "All-PSW comparison monthly CAD:  $#{'%.2f' % result[:all_psw_cost_comparison_monthly_cad]}"
+  puts "Hybrid savings monthly CAD:      $#{'%.2f' % result[:hybrid_savings_vs_all_psw_monthly_cad]}"
+  puts
+  puts "Disclaimer: #{result[:disclaimer]}"
+end

data/lib/home_care_cost_model.rb

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+# Home Care Cost Model — Ruby reference port
+#
+# Reference cost model for Canadian home care service-mix decisions.
+# Port of the Python reference implementation.
+#
+# Working paper: https://www.binx.ca/guides/home-care-cost-model-guide.pdf
+# This reference model is not clinical or financial advice.
+
+require "csv"
+require "json"
+
+module HomeCareCostModel
+  VERSION = "0.1.0"
+  WEEKS_PER_MONTH = 4.345
+  DISCLAIMER = "Reference model only. Not clinical or financial advice; consult a regulated health professional or registered tax practitioner for individual decisions."
+
+  METC_FEDERAL_RATE = 0.15
+  METC_FLOOR_FRAC = 0.03
+  METC_ABS_FLOOR = 2759.0
+  DTC_BASE = 9872.0
+  CCC_CAREGIVER_BASE = 8375.0
+  CCC_PHASE_START = 19666.0
+  CCC_PHASE_END = 28041.0
+  VIP_HOUSEKEEPING = 3072.0
+  VIP_PERSONAL_CARE = 9324.0
+
+  PROVINCIAL_FACTORS = {
+    "ON" => { metc_rate: 0.0505, metc_floor: 2923, dtc_base: 10250, ccc_base: 5933 },
+    "QC" => { metc_rate: 0.1400, metc_floor: 2759, dtc_base: 3494, ccc_base: 1311 },
+    "BC" => { metc_rate: 0.0506, metc_floor: 2605, dtc_base: 9428, ccc_base: 5014 },
+    "AB" => { metc_rate: 0.1000, metc_floor: 2824, dtc_base: 16066, ccc_base: 12307 },
+    "SK" => { metc_rate: 0.1050, metc_floor: 2837, dtc_base: 10405, ccc_base: 10405 },
+    "MB" => { metc_rate: 0.1080, metc_floor: 1728, dtc_base: 6180, ccc_base: 3605 },
+    "NS" => { metc_rate: 0.0879, metc_floor: 1637, dtc_base: 7341, ccc_base: 4898 },
+    "NB" => { metc_rate: 0.0940, metc_floor: 2344, dtc_base: 8552, ccc_base: 5197 },
+    "NL" => { metc_rate: 0.0870, metc_floor: 2116, dtc_base: 7064, ccc_base: 3497 },
+    "PE" => { metc_rate: 0.0980, metc_floor: 1768, dtc_base: 6890, ccc_base: 2446 },
+    "YT" => { metc_rate: 0.0640, metc_floor: 2759, dtc_base: 9872, ccc_base: 8375 },
+    "NT" => { metc_rate: 0.0590, metc_floor: 2759, dtc_base: 14160, ccc_base: 5167 },
+    "NU" => { metc_rate: 0.0400, metc_floor: 2759, dtc_base: 15440, ccc_base: 5560 },
+  }.freeze
+
+  def self.personal_care_category_for(province)
+    case province
+    when "ON", "QC" then "PSW"
+    when "BC", "AB", "SK", "MB" then "HCA"
+    else "HSW"
+    end
+  end
+
+  def self.cognitive_bump(c)
+    { "intact" => 0, "mild" => 3, "moderate" => 8, "severe" => 14 }[c] || 0
+  end
+
+  def self.mobility_bump(m)
+    { "independent" => 0, "cane" => 0.5, "walker" => 2, "wheelchair" => 5, "bedbound" => 12 }[m] || 0
+  end
+
+  def self.household_mod(h)
+    { "alone" => 3, "with_spouse" => 1.5, "with_adult_child" => 1, "multigen" => 0.5 }[h] || 2
+  end
+
+  def self.diagnosis_nursing(d)
+    { "stroke" => 4, "parkinson" => 1, "post_surgical" => 6, "chronic_mixed" => 2 }[d] || 0
+  end
+
+  def self.derive_psw_hours(adl, cognitive, mobility, informal)
+    base = 7.0 * [0, 6 - adl].max + cognitive_bump(cognitive) + mobility_bump(mobility)
+    credited = [informal * 0.5, base * 0.6].min
+    [(base - credited), 0.0].max.round(1)
+  end
+
+  def self.derive_housekeeping_hours(iadl, household)
+    base = 2.0 * [0, 8 - iadl].max + household_mod(household)
+    [base, 0.0].max.round(1)
+  end
+
+  def self.derive_nursing_hours(diagnosis, cognitive)
+    base = diagnosis_nursing(diagnosis)
+    base += 1 if cognitive == "severe"
+    [base, 0.0].max.round(1)
+  end
+
+  def self.datasets_dir
+    candidates = [
+      File.expand_path("../../datasets", __dir__),
+      File.expand_path("../../../datasets", __dir__),
+      File.expand_path("./datasets"),
+    ]
+    candidates.find { |d| File.exist?(File.join(d, "home_care_services_canada.csv")) }
+  end
+
+  def self.load_services
+    path = File.join(datasets_dir, "home_care_services_canada.csv") rescue nil
+    return {} unless path && File.exist?(path)
+    result = {}
+    CSV.foreach(path, headers: true) do |row|
+      result["#{row["jurisdiction_code"]}|#{row["service_category"]}"] = row.to_h
+    end
+    result
+  end
+
+  def self.load_subsidies
+    path = File.join(datasets_dir, "home_care_subsidy_programs.csv") rescue nil
+    return {} unless path && File.exist?(path)
+    result = {}
+    CSV.foreach(path, headers: true) do |row|
+      code = row["jurisdiction_code"]
+      result[code] ||= row.to_h
+    end
+    result
+  end
+
+  def self.service_rate(services, prov, category)
+    row = services["#{prov}|#{category}"]
+    return 0.0 unless row
+    (row["private_pay_rate_cad_median"] || "0").to_f
+  end
+
+  def self.subsidy_hours_awarded(subsidies, prov, adl)
+    row = subsidies[prov]
+    return 0.0 unless row
+    moderate = (row["typical_psw_hours_per_week_moderate"] || "0").to_f
+    high = (row["typical_psw_hours_per_week_high"] || "0").to_f
+    return 0.0 if adl >= 5
+    return high.round(1) if adl <= 1
+    alpha = (4 - adl) / 3.0
+    (moderate + alpha * (high - moderate)).round(1)
+  end
+
+  def self.calculate(input)
+    input = {
+      household_composition: "alone",
+      cognitive_status: "intact",
+      mobility_status: "independent",
+      primary_diagnosis_category: "frailty",
+      informal_caregiver_hours_per_week: 0.0,
+      net_family_income_cad: 60000.0,
+      is_veteran: false,
+      has_dtc: false,
+      agency_vs_private: "private",
+      include_subsidy: true,
+      tax_year: 2026,
+    }.merge(input)
+
+    services = load_services
+    subsidies = load_subsidies
+
+    psw_hours = derive_psw_hours(
+      input[:adl_katz_score], input[:cognitive_status],
+      input[:mobility_status], input[:informal_caregiver_hours_per_week]
+    )
+    housekeeping_hours = derive_housekeeping_hours(input[:iadl_lawton_score], input[:household_composition])
+    nursing_hours = derive_nursing_hours(input[:primary_diagnosis_category], input[:cognitive_status])
+
+    mix = if nursing_hours > 0 && psw_hours > 0
+            housekeeping_hours > 0 ? "nursing+psw+housekeeping" : "nursing+psw"
+          elsif psw_hours > 0 && housekeeping_hours > 0
+            "psw+housekeeping"
+          elsif psw_hours > 0
+            "psw_only"
+          elsif housekeeping_hours > 0
+            "housekeeping_only"
+          else
+            "no_formal_services"
+          end
+
+    pc_cat = personal_care_category_for(input[:province])
+    psw_rate = service_rate(services, input[:province], pc_cat)
+    house_cat = input[:agency_vs_private] == "agency" ? "Cleaning_Service_Agency" : "Housekeeper_Private"
+    housekeeping_rate = service_rate(services, input[:province], house_cat)
+    nursing_rate = service_rate(services, input[:province], "LPN_RPN")
+
+    private_monthly = (psw_hours * psw_rate + housekeeping_hours * housekeeping_rate + nursing_hours * nursing_rate) * WEEKS_PER_MONTH
+
+    subsidy_hours = input[:include_subsidy] ? [subsidy_hours_awarded(subsidies, input[:province], input[:adl_katz_score]), psw_hours].min : 0.0
+    subsidy_value = subsidy_hours * psw_rate * WEEKS_PER_MONTH
+    oop_monthly = [private_monthly - subsidy_value, 0.0].max
+    oop_annual = oop_monthly * 12.0
+
+    pp = PROVINCIAL_FACTORS[input[:province]] || PROVINCIAL_FACTORS["ON"]
+    fed_threshold = [input[:net_family_income_cad] * METC_FLOOR_FRAC, METC_ABS_FLOOR].min
+    metc_fed = [(oop_annual - fed_threshold), 0.0].max * METC_FEDERAL_RATE
+    prov_threshold = [input[:net_family_income_cad] * METC_FLOOR_FRAC, pp[:metc_floor]].min
+    metc_prov = [(oop_annual - prov_threshold), 0.0].max * pp[:metc_rate]
+    metc_credit = metc_fed + metc_prov
+
+    dtc_credit = (input[:has_dtc] || input[:cognitive_status] == "severe") ? (DTC_BASE * METC_FEDERAL_RATE + pp[:dtc_base] * pp[:metc_rate]) : 0.0
+
+    ccc_credit = 0.0
+    if %w[with_spouse with_adult_child multigen].include?(input[:household_composition]) && psw_hours >= 10
+      phase_factor = if input[:net_family_income_cad] <= CCC_PHASE_START
+                       1.0
+                     elsif input[:net_family_income_cad] >= CCC_PHASE_END
+                       0.0
+                     else
+                       1.0 - (input[:net_family_income_cad] - CCC_PHASE_START) / (CCC_PHASE_END - CCC_PHASE_START)
+                     end
+      ccc_credit = (CCC_CAREGIVER_BASE * METC_FEDERAL_RATE + pp[:ccc_base] * pp[:metc_rate]) * phase_factor
+    end
+
+    vip_credit = input[:is_veteran] ? (VIP_HOUSEKEEPING + VIP_PERSONAL_CARE) : 0.0
+    total_credits = metc_credit + dtc_credit + ccc_credit + vip_credit
+    oop_after_annual = [oop_annual - total_credits, 0.0].max
+    oop_after_monthly = oop_after_annual / 12.0
+
+    total_hours = psw_hours + housekeeping_hours + nursing_hours
+    all_psw_monthly = total_hours * psw_rate * WEEKS_PER_MONTH
+    hybrid_savings = all_psw_monthly - private_monthly
+
+    scope_warnings = []
+    if input[:adl_katz_score] <= 4 || %w[moderate severe].include?(input[:cognitive_status])
+      scope_warnings << "Personal care required: the recipient's ADL score or cognitive status indicates that personal care tasks (bathing, toileting, transfers) are needed. A housekeeper or cleaning service cannot legally substitute for a PSW/HCA in this scope. If a cleaning service is part of the plan, it must be in addition to, not instead of, personal support."
+    end
+
+    employment_warnings = []
+    if input[:agency_vs_private] == "private" && (total_hours - subsidy_hours) >= 20
+      employment_warnings << "At #{(total_hours - subsidy_hours).round(0)} hours per week of privately-hired care in #{input[:province]}, the CRA employer-determination test is likely to classify the family as an employer."
+    end
+
+    {
+      province: input[:province],
+      tax_year: input[:tax_year],
+      recommended_psw_hours_per_week: psw_hours,
+      recommended_housekeeping_hours_per_week: housekeeping_hours,
+      recommended_nursing_hours_per_week: nursing_hours,
+      recommended_service_mix: mix,
+      psw_hourly_rate_cad: psw_rate.round(2),
+      housekeeping_hourly_rate_cad: housekeeping_rate.round(2),
+      nursing_hourly_rate_cad: nursing_rate.round(2),
+      private_pay_monthly_cad: private_monthly.round(2),
+      subsidy_hours_per_week_allocated: subsidy_hours.round(1),
+      subsidy_value_monthly_cad: subsidy_value.round(2),
+      out_of_pocket_before_credits_monthly_cad: oop_monthly.round(2),
+      metc_credit_value_cad: metc_credit.round(2),
+      dtc_credit_value_cad: dtc_credit.round(2),
+      ccc_credit_value_cad: ccc_credit.round(2),
+      vac_vip_credit_value_cad: vip_credit.round(2),
+      total_credits_value_cad: total_credits.round(2),
+      out_of_pocket_after_credits_monthly_cad: oop_after_monthly.round(2),
+      out_of_pocket_after_credits_annual_cad: oop_after_annual.round(2),
+      all_psw_cost_comparison_monthly_cad: all_psw_monthly.round(2),
+      hybrid_savings_vs_all_psw_monthly_cad: hybrid_savings.round(2),
+      scope_warnings: scope_warnings,
+      employment_law_warnings: employment_warnings,
+      currency: "CAD",
+      disclaimer: DISCLAIMER,
+    }
+  end
+end

metadata

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+--- !ruby/object:Gem::Specification
+name: home_care_cost_model
+version: !ruby/object:Gem::Version
+  version: 0.1.0
+platform: ruby
+authors:
+- Dave Cook
+bindir: bin
+cert_chain: []
+date: 2026-04-10 00:00:00.000000000 Z
+dependencies: []
+description: Ruby port of the Home Care Cost Model reference implementation. Calculates
+  recommended PSW, housekeeping, and nursing hours, private-pay cost, subsidised hours,
+  and the 2026 federal/provincial tax relief stack for Canadian households.
+email:
+- dave@binx.ca
+executables:
+- home-care-cost-model
+extensions: []
+extra_rdoc_files: []
+files:
+- bin/home-care-cost-model
+- lib/home_care_cost_model.rb
+homepage: https://github.com/DaveCookVectorLabs/home-care-cost-model
+licenses:
+- MIT
+metadata:
+  homepage_uri: https://github.com/DaveCookVectorLabs/home-care-cost-model
+  source_code_uri: https://github.com/DaveCookVectorLabs/home-care-cost-model
+  documentation_uri: https://www.binx.ca/guides/home-care-cost-model-guide.pdf
+rdoc_options: []
+require_paths:
+- lib
+required_ruby_version: !ruby/object:Gem::Requirement
+  requirements:
+  - - ">="
+    - !ruby/object:Gem::Version
+      version: 2.7.0
+required_rubygems_version: !ruby/object:Gem::Requirement
+  requirements:
+  - - ">="
+    - !ruby/object:Gem::Version
+      version: '0'
+requirements: []
+rubygems_version: 3.6.3
+specification_version: 4
+summary: Reference cost model for Canadian home care service-mix decisions.
+test_files: []