When Savannah Meadows had lunch last October with her mother, Sharon Turcott, Meadows was “all smiles,” the mother told CBS News. 

“Maybe she’s turned a corner,” Turcott recalled thinking about her daughter, who had been struggling with serious mental illness.

The next morning, she received a scheduled email: “Mom, if you’re reading this, I’m probably on my way to heaven,” it said. Her daughter had taken her own life at the age of 44.

“She did not want to die by suicide. She did not want to die alone,” Turcott said.

Instead, Meadows had been seeking a medically assisted death — something Canada legalized in 2016. It had been set to expand last year to patients who were suffering solely from mental illness, but that expansion was delayed, and Meadows ultimately died by suicide. 

The delay has been welcomed by some, but condemned by others. 

The history of Canada’s, still evolving MAID law

In 2016, Canada enacted a law allowing medical assistance in dying, known as MAID, for people whose natural death is reasonably foreseeable. Under the law, following a process establishing that all eligibility criteria have been met, a physician or nurse either directly administers a substance that induces death or prescribes a drug that the person takes themselves.

Five years later, the law was expanded, no longer requiring a person’s death to be reasonably foreseeable as an eligibility criterion for adults with a grievous and irremediable medical condition. Under the changes, individuals suffering solely from mental illness were temporarily excluded for eligibility until March 2023. 

Meadows, described by her mother as a proud trans woman, had picked a date and began preparations for the end of her life. 

“It gave me time to accept the fact that my daughter was going to die,” Turcott said.

A few days before Meadows would potentially have been eligible to seek a medically assisted death, however, the government announced a yearlong delay for the consideration of cases of mental illness. Seven months later, Meadows died by suicide.

The delayed inclusion of patients seeking MAID on the basis of mental illness has been met with apprehension from the start. 

Canada’s Expert Panel on MAID and Mental Illness, established to assist in developing the government’s approach to the expansion of the law, outlined concerns in a 2022 report, including the daunting task for clinicians asked to make predictions about individual patients and establish incurability and irreversibility despite the difficulties of predicting the evolution of mental disorders.

Another factor was what the report referred to as structural vulnerability, or the risk of factors such as unstable housing or lack of employment opportunities resulting in individuals viewing death as an only option.

The panel offered a number of recommendations in its report for establishing an expanded MAID regime.

The future of the MAID law’s expansion, however, is also dependent to some degree on domestic politics, which appear set to shift. Pierre Poilievre, whose Conservative Party is up by a significant margin in polls ahead of national elections set to take place within a year, has vowed to “revoke entirely” the expansion of the law to include solely mental health cases, arguing that it blurred a line “between suicide prevention and suicide assistance.”

“She would have died the way she wanted to.”

Since her daughter’s death, meanwhile, Turcott has become an advocate for MAID access for those whose sole underlying condition is mental illness.

“She would have died the way she wanted to, and because that’s what she wanted, that would have been fine with me,” Turcott said. “Suicide was not fine with me.”

In February, the government further postponed MAID eligibility for patients whose sole condition is mental illness until March 2027 — four years after it was initially slated to go into effect. 

Mark Holland, Canada’s Minister of Health, said that while “significant progress has been made in supporting practitioners in assessing MAID eligibility in complex cases,” the country’s health system was “not yet ready for MAID where the sole underlying condition is mental illness.”

The delay has been condemned by some MAID advocates. Dying With Dignity Canada, an organization that advocates for end-of-life rights, filed a lawsuit in August alleging discriminatory exclusion in the law against people with mental illness.

An ongoing debate over access to MAID

Others, however, view the delay as a step to ensure necessary safeguards are in place and health care providers are prepared to handle relevant cases. The Canada Mental Health Association said in a January statement that it supported the postponement, citing what it called insufficient time and resources allocated to ensure that people with mental illnesses can access the necessary care.

Some groups oppose the law’s expansion outright. In September, Inclusion Canada, a nonprofit group that advocates for Canadians with intellectual disabilities, filed a lawsuit challenging MAID for people with a disability who are not dying or whose death is not “reasonably foreseeable.” 

The lawsuit argues that MAID Track 2, the 2021 expansion of the law to include patients whose deaths are not reasonably foreseeable, had already resulted in premature deaths.

“People are dying. We are witnessing an alarming trend where people with disabilities are seeking assisted suicide due to social deprivation, poverty and lack of essential supports,” Krista Carr, executive vice-president of Inclusion Canada, said in September.

Compounding CMHA and Inclusion Canada’s concerns, an expert committee of professionals from disciplines including ethics, social work and medicine that reviewed MAID deaths in Ontario identified cases in which it said isolation and unmet social needs, such as housing, had fueled several euthanasia recipient’s requests. 

The committee also found that patients seeking eligibility under the expanded Track 2 criteria were about 8% more likely to reside in areas of the province with high levels of social marginalization than MAID Track 1 recipients.

The committee’s report acknowledged that while the deaths discussed were not necessarily representative of frequent reasons for accessing MAID Track 2, or even the majority of MAID Track 2 deaths, the themes identified were “not uncommon within the MAID review process.” 

Out of 4,644 medically assisted deaths carried out during 2023 under Canada’s MAID law, only 116 deaths were Track 2 patients, according to the committee.

But the report’s findings don’t resonate with everyone, and opposition to the law’s proposed inclusion of patients who suffer from only mental illness has been deeply frustrating for some people seeking MAID. 

Jason, a Toronto resident who didn’t want to be fully identified over concerns that his future MAID review process could be affected, is one of those people.

“When I first heard that it was delayed, my world came crashing down,” he said.

Jason told CBS News that he’s struggled with depression, anxiety and panic attacks for decades, and has attempted suicide twice. He said he’s tried inpatient programs, medication, electroconvulsive therapy and ketamine treatment, among other remedies, to little avail.

“I would not be alive today if there wasn’t the possibility of MAID going through in 2027,” he said, saying the chance of MAID’s expansion was the only reason he hadn’t attempted suicide a third time.

The current safeguards for those seeking MAID whose death is not reasonably foreseeable include two independent practitioners — one of whom must have expertise in the condition affecting the patient — confirming that all eligibility criteria are met, a minimum period of 90 days for eligibility assessments to be made, and the opportunity for the patient to withdraw consent at any point up until the procedure is carried out.

The patient must also be informed of counseling and palliative care options, support for disabilities and mental health, and be offered consultation with relevant professionals in addition to having discussed with their practitioner “reasonable and available means to relieve the person’s suffering, and agree [with the practitioner] that the person has seriously considered these means.”

In a poll conducted in 2023 by Dying with Dignity Canada, 78% of respondents said they supported the removal of the “reasonably foreseeable” natural death requirement from the MAID law, indicating strong support for the Track 2 expansion. But a 2017 survey gauging the attitudes of Canadian psychiatrists toward medical assistance in death found only a minority of 29.4% supported MAID on the basis of mental illness alone, compared to 71.8% who said other factors should also be present to determine eligibility.

Jason said he understood some doctors’ opposition to MAID for mental illness.

“Doctors are there to make you better,” he said. But he added that as mental illness isn’t something that “shows up on a screen,” it can be difficult for people without direct experience to understand the extent of someone else’s pain.

“I don’t have the physical pain that someone else has, but the psychological pain is just as bad,” he said.

In 2022, MAID deaths accounted for 4.1% of overall deaths in Canada, with the average age of MAID patients being 77, according to Canada’s fourth and most recent annual report on Medical Assistance in Dying. Since the law was introduced in 2016 there have been a total of 44,958 medically assisted deaths in the country.

Jason said he didn’t want to put his family through the trauma of another suicide attempt, and that his brother and mother were helping him explore options abroad. Those options, especially for people suffering mental illness, are limited, and often complicated by varying domestic laws around the world.  

Jason said that, like Turcott, his own mother is supportive of his choice to seek MAID.  

“As much as she doesn’t want me to do this again, she would rather I die properly with the assistance of a doctor than have it done by suicide,” he said.

Turcott said she was concerned that the postponement of MAID on the basis of mental health would result in more suicides, leaving families to mourn unexpectedly.

“I don’t want anybody to experience the loss of their child through suicide, and their child being so desperate that they saw no other choice but to take their life,” she said.

With average credit card interest rates recently surpassing 23% and retail credit card rates sitting above 30% on average, many Americans have found themselves trapped in a cycle of minimum payments and mounting balances. That can be a tough road to navigate in any economic environment, but in today’s landscape, where prices on essentials continue to climb and household budgets remain stretched, it can be even more difficult to conquer. As a result, more cardholders are maxing out their credit cards and becoming delinquent on their credit card payments.

Late payments and maxed-out credit cards can have a real impact on your credit and your financial health, so if you’re facing this issue, it’s important to find ways to get relief. Fortunately, there are many potential debt relief strategies to consider, including credit card debt management programs. These programs were created to help cardholders consolidate multiple credit card payments into a single monthly payment while potentially securing lower interest rates and fees. The appeal is obvious: simplified payments, reduced rates and a clear path to becoming debt-free. 

However, some cardholders may be hesitant to enroll in one of these programs due to concerns about the impact it could have on their credit. But will enrolling in a credit card debt management program actually hurt your credit? The answer isn’t entirely straightforward. 

Explore the debt relief options available to you now.

Will enrolling in a credit card debt management program hurt your credit?

Enrolling in a debt management program can have both positive and negative effects on your credit score. One of the immediate impacts is that your creditors may add a notation to your credit report indicating that you are participating in a debt management program. While this notation itself doesn’t lower your score, it could raise red flags for lenders, as it signals that you’re receiving help to manage your debts.

Another consideration is how the program affects your credit utilization ratio and credit age. Your creditors will likely close your credit card accounts when you enter the program. This action can negatively impact your credit score in two ways. First, it reduces your available credit, which increases your credit utilization ratio. Second, it can slightly shorten your average credit age if these are long-standing accounts, which could lower your score temporarily. 

However, the program’s positive effects often outweigh these initial setbacks. As you make consistent payments through the program, your payment history – which accounts for 35% of your FICO score – strengthens. As your balances decrease, your credit utilization also improves, positively impacting another 30% of your score.

It’s also worth noting that debt management programs don’t carry the same negative credit implications as more drastic measures like bankruptcy or debt settlement. While your credit report will show that you’re paying through a debt management program, this notation itself doesn’t factor into your credit score calculations.

So, the short answer is that ultimately, the effect a debt management plan has on your credit depends heavily on your starting point. If your credit score is already suffering due to late payments or high balances, a debt management program may help stabilize and eventually improve your credit over time. If your score is in good shape but you’re struggling with mounting debt, the short-term impact of closing accounts and creditor notations might bring a noticeable dip in your score.

Tackle your expensive credit card debt today.

What other credit card debt relief options are worth considering?

Debt management programs are just one tool in the debt relief toolbox. Depending on your financial situation, you might want to consider these other alternatives:

• Debt consolidation: With debt consolidation, you take out a single loan to pay off all your credit card balances. This simplifies your payments and can lower your interest rate if you qualify for a competitive loan. However, you’ll need good credit to access the best rates.
• Balance transfer: If you have a solid credit score, a balance transfer card with an introductory 0% APR period can help you save on interest and pay down debt faster. Just be cautious of transfer fees and ensure you can pay off the balance before the promotional period ends.
• Debt settlement: You can contact your creditors, either with the help of a debt relief company or on your own, to try and negotiate a settlement for less than you owe. While this requires negotiation skills, it’s a more direct approach that can yield favorable results.
• Bankruptcy: If you’re facing overwhelming debt with no feasible way to repay it, bankruptcy may provide a clean slate. However, it comes with significant long-term consequences for your credit and should be a last resort.

The bottom line

Enrolling in a credit card debt management program can impact your credit in both positive and negative ways. While the immediate effects — such as account closures and creditor notations — might cause a temporary dip in your score, the long-term benefits of consistent payments and reduced interest rates can outweigh these drawbacks. For many, the opportunity to regain control over their finances and work toward becoming debt-free is worth the trade-off.