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Working from home in Canada
viggen




msg:4522913
 2:58 pm on Nov 27, 2012 (gmt 0)

...might end up there, i was wondering if webmasterworld members from Canada can help me here...

...how does the taxation work in Canada when self employed... (my wife gets super job in Ottawa, i just cruise along with here), so if i make 50.000 CAD how much of that would go to the province/state, social security etc...

Your help would be appreciated...

Life seems pretty good there, climate seems very similar to here (alpine europe), and plenty of hockey and fishing...

 

brotherhood of LAN




msg:4522915
 3:03 pm on Nov 27, 2012 (gmt 0)

This may be a good starting point

[canada.gc.ca...]

bakedjake




msg:4522916
 3:06 pm on Nov 27, 2012 (gmt 0)

In Ontario, about 18% at $50k, so you'd take home around $41,100.

I am not an accountant, but that number seems gut-check correct. Source: [ey.com...]

viggen




msg:4522917
 3:14 pm on Nov 27, 2012 (gmt 0)

thanks for the quick answer,

how does it work with the health care system, is there an option to join my wifes social plan (like in austria) or should i go for my own, how much would that be?

thanks again

SevenCubed




msg:4522927
 3:50 pm on Nov 27, 2012 (gmt 0)

how does it work with the health care system


Health care here is a right and nobody is refused medical care irregardless of their financial or social status. Most, but not all, health care services are paid for by the government from our tax system. You and your wife will be issued photo ID cards from the Ontario Health Insurance Plan -- OHIP -- (if you are in Ottawa Ontario). It is just like a credit card. No matter what sort of health concern you have you just show up at a hospital emergency department or at the office of your family doctor, they verify your card status, you get treatment. It's one of the best plastic cards on the planet because you never get a bill for services :)

Doctors, nurses, all medical staff, as well as facilities costs are paid for through tax dollars. Dental work is excluded and I think general eye examinations are also excluded. But if your wife is going to be working for a decent employer they typically have extended health benefits for employees (and immediate family members) that pick up the cost of whatever the government does not cover.

If you have an unexpected accident and end up in the hospital for a year -- no cost to you except services like phone and TV if you want those. It covers ward rooms, but not semi-private or private rooms. If you want it by choice it will be an out-of-pocket expense. You will be placed in private at no additional cost if your reason for being there warrants it such as an infectious disease or something along that line.

Those are just the basics I can think of offhand. If you want more in depth info just search for Ontario Health Insurance Plan or OHIP. But do keep in mind that many people who work in Ottawa live just across the border in Qu├ębec in which case it is all covered too but may vary slightly in coverage. In a nutshell, you'll be well taken care of when you get here.

Just a quick example -- my elderly mother is going for knee replacement surgery next week. Operation, post-op physio, as well as special door-to-door transportation cost to her -- $0.

Hockey, ahhhhhhhh :) Canadian kids are born with the gene in their DNA. In fact (not really) the twisting of the strand of DNA was modeled off the hockey stick blade curve ;p

And fishing, *sigh* -- plenty of it and you won't be too far from Algonquin Park, a large wilderness reserve. Enjoy!

bakedjake




msg:4522935
 3:59 pm on Nov 27, 2012 (gmt 0)

Health care here is a right and nobody is refused medical care irregardless of their financial or social status.


This is half true. If you are dying, you won't be refused care (this is the case in just about any modern western country), but if you do not have status in Canada, you will be billed for treatment.

You can technically be refused medical care in non-emergency situations if you refuse to pay and you have no immigration status in Canada.

how does it work with the health care system, is there an option to join my wifes social plan (like in austria) or should i go for my own, how much would that be?


When you first come to Canada, there's a three month waiting period before you are eligible to receive health benefits. After that, as long as you have legal status (whether it be a work visa, student visa, permanent residence, or citizenship), you'll have access to OHIP.

Work/Student Visas generally don't require a medical exam, but if you're trying to immigrate (gain permanent residence), there is a mandatory medical examination required and you can be rejected based on the results of that evaluation.

One important thing to remember is that OHIP (and the other provincial health plans) covers virtually nothing outside of Canada. You'll want to buy insurance if you travel frequently.

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