This is the cornerstone of the Canadian welfare system. It is used to ensure that every Canadian can maintain a basic standard of living, that is, everyone with food, shelter and clothing, no income and less than 1 000 yuan in the bank can apply for this money. Singles can get 500 to 700 Canadian dollars a month, and a family of three can get 1, 000 to 1, 300. Because of this, Canada raises many lazy people and lives on this money. Many taxpayers have great views on this, and the government has been trying to reform in recent years. But please note that new immigrants are usually not allowed to receive this money in the first six months, because theoretically everyone must bring a sum of money, which can last for six months.
Employment insurance
If a Canadian resident (green card or citizen) has been working continuously for half a year, but can't continue working because of unemployment, illness, giving birth to a child or adopting a child, then this temporary income can be obtained through the national employment insurance plan. According to the current policy, if you work 9 10 hours continuously in the past year, you can get this money if you are unemployed, which is generally 56% of your original monthly salary, and you can get it for ten consecutive months. To apply for subsidies, you must go to the Canadian government employment center and apply for a social insurance card (SIN card) there. Note that there are several situations in which you can't get unemployment benefits. One is that you were fired by your boss because you made a serious mistake, and the other is that you resigned voluntarily.
Health welfare health care plan
The government allocates about 4.8 billion Canadian dollars each year for health care benefits, which are shared equally by every Canadian. All provinces provide low-cost and high-quality health care programs (Manitoba is free to participate). Except for dentistry and ophthalmology, patients do not have to pay for medical treatment, laboratory tests, hospitalization and surgery, but only for prescription drugs. If your family doctor thinks you need hospitalization or even surgery, regardless of the size of the surgery, all the expenses will be borne by the medical insurance plan. During hospitalization, patients don't have to pay any fees for food and medicine. Most prescription drugs for the elderly over 65 and those receiving social assistance are provided free of charge.
Holiday speech opportunity
The Canadian government stipulates that full-time employees can get two weeks (ten working days) paid vacation every year after working for one year; After working for five years in a row, you can get three weeks' paid vacation every year. Holidays cannot be replaced by wages. Employees must not be dismissed because of pregnancy. In addition, you can get unpaid maternity leave, continue to keep your pension or medical plan, and return to your original job after maternity leave. During maternity leave, pregnant women can apply for employment insurance EI.
pension
Canadians can get an old-age security pension regardless of their assets or income. The Organization of American States does not need donations. As eligibility depends on a certain number of years of residence, new immigrants cannot enjoy full pension. However, if you are a Canadian citizen or immigrant, aged 65 or above, and have lived in Canada for at least 65,438+00 years after the age of 65,438+08, you can get a partial OAS pension. The calculation method is based on the number of years you have lived in Canada.
Pension plan
Canada's retirement plan is implemented in all provinces except Quebec. The Canadian retirement plan is a public insurance plan. Canadian residents who deduct a certain amount of pension contributions from their monthly income can get subsidies through this scheme after retirement or long-term physical disability. Pensions must be taxed, and applicants can get pensions anywhere in the world. Quebec has its own plan, called Quebec retirement plan.
Milk gold children's tax concessions
Literally, there is no meaning of milk. This is the name given by the local China people, which means that this money is enough for children to drink milk. In Canada, every child can receive this subsidy every month from birth to 18 years old, and the amount depends on the parents' income last year. Of course, families with higher incomes do not have this treatment. One of the purposes of setting up this subsidy is to help low-income families.
Child care allowance
In Canada, preschool education for children before the age of 6 is self-funded and expensive. A child's monthly child care fee is 600-800 Canadian dollars, so many low-income families can't afford to send their children to early education, so the government specially allocates funds to set up child care subsidies. According to the specific situation of the applicant, the government sometimes subsidizes half and sometimes fully. Note that this money is paid directly to the kindergarten where the children attend. There is a queue to apply for this money, so you should register as soon as possible. Some people say that neither of us has a job and should be given priority. No! On the contrary, the government thinks that since you can stay at home, it should be no problem to educate your children by yourself. They give priority to families where both husband and wife are working or studying and have little income.
Government housing
In order to ensure that everyone has housing and low-income people can get housing, the Canadian government allocates funds to build a large number of government houses every year, which are managed by specialized companies entrusted by the government and rented at extremely low prices, and are often beautiful buildings. Who can apply? In principle, anyone can, but its special charging method automatically excludes the rich. The basic charging principle is to pay rent according to a certain proportion of income, generally 25% to 30% of monthly income. If your monthly income is only 1000 yuan, you can live in a large apartment with two bedrooms, one living room and three bedrooms, one living room only by paying the house price in 250 yuan. But if your monthly salary is 10000 yuan, you have to pay 3000 yuan rent. Of course, it is not cost-effective. With this money, it is more than enough to buy a house. One thing to tell you is that few people in China apply for government housing. Because most people who live in this kind of house are low-income families and belong to the bottom of society, the areas where they live are often inferior to other areas in health and public security. People in China are often very concerned about their children's living environment, preferring to spend more money and find a "good area".
Income security allowance
If you have little or no income, you can apply for monthly income security allowance. The definition of income includes pension, living expenses, wages, unemployment insurance, labor remuneration or welfare from other countries. The less income, the more income security allowance. If you are married, your spouse's income will be taken into account when calculating the number of GIS you deserve. GIS must be reapplied every year.
spouse's benefit
You can also receive spouse allowance if you meet the following conditions: 1, aged between 60 and 65, and your spouse is an old-age security recipient. 2, the total income does not exceed the prescribed amount. 3. Have lived in Canada for at least 10 years after 18 years old. SPA must be reapplied every year. This allowance can be paid until you remarry or reach the age of 65, even if your spouse dies.
Pregnancy and childcare allowance
If you are pregnant, have a baby, have just adopted a baby or have to take care of a newborn baby and can't work, you may be eligible for pregnancy and childcare allowance. The pregnancy allowance is only paid to the birth mother 15 weeks at most, during a period of time before and after the birth of the child. Parenting allowance is paid to the child's biological parents or adoptive parents for a maximum of ten weeks. Biological mothers can apply for pregnancy and childcare allowance at the same time.
Pregnancy allowance
Pregnant mothers can start receiving pregnancy allowance at least eight weeks before delivery, and applicants must wait two weeks before they can start receiving the allowance. Therefore, pregnant mothers can take maternity leave at least 10 weeks before the expected date of delivery, and then immediately apply to the Canadian Human Resources Employment Insurance Office for pregnancy allowance.
The pregnancy allowance can only be paid for 15 weeks at most, but it will stop after the child is born 17 weeks. If the baby needs to be hospitalized due to health problems, the period of 17 weeks can be extended until the baby is discharged from the hospital and taken care of at home, but it cannot be delayed more than 52 weeks after the baby is born. In any case, the pregnancy allowance can only be paid for 15 weeks at most.
Parenting allowance
A baby's biological parents or adoptive parents can receive a child-raising allowance of up to ten weeks so that they can stay at home to take care of a newborn baby or adopted child. If the child has health problems and needs special care, the childcare allowance can be increased to 15 weeks. This allowance can be collected by one mother or father or shared by both parents. If two people receive parental allowance together, each person will have to accept a two-week waiting period without allowance. If the mother has already passed the two-week waiting period when receiving the pregnancy allowance, there is no need to go through the two-week waiting period when receiving the child-care allowance.
Parenting allowance can be collected as early as the baby's birthday or the day after the adopted child returns to China. This ten-week holiday cannot exceed 52 weeks after their birth or return home.
Sickness allowance
Sickness allowance is to help those employees who are unable to work due to illness, injury or quarantine to solve their financial difficulties. Sickness benefits can only be paid for 15 weeks at most, but you must have worked for 700 hours in the past 52 weeks or since you received employment insurance last time. Sickness allowance, pregnancy allowance and childcare allowance can be received within the same allowance period, but the total amount cannot exceed 30 weeks. spouse's benefit
You can also receive spouse allowance if you meet the following conditions: 1, aged between 60 and 65, and your spouse is an old-age security recipient. 2, the total income does not exceed the prescribed amount. 3. Have lived in Canada for at least 10 years after 18 years old. SPA must be reapplied every year. This allowance can be paid until you remarry or reach the age of 65, even if your spouse dies.
Pregnancy and childcare allowance
If you are pregnant, have a baby, have just adopted a baby or have to take care of a newborn baby and can't work, you may be eligible for pregnancy and childcare allowance. The pregnancy allowance is only paid to the birth mother 15 weeks at most, during a period of time before and after the birth of the child. Parenting allowance is paid to the child's biological parents or adoptive parents for a maximum of ten weeks. Biological mothers can apply for pregnancy and childcare allowance at the same time.
Pregnancy allowance
Pregnant mothers can start receiving pregnancy allowance at least eight weeks before delivery, and applicants must wait two weeks before they can start receiving the allowance. Therefore, pregnant mothers can take maternity leave at least 10 weeks before the expected date of delivery, and then immediately apply to the Canadian Human Resources Employment Insurance Office for pregnancy allowance.
The pregnancy allowance can only be paid for 15 weeks at most, but it will stop after the child is born 17 weeks. If the baby needs to be hospitalized due to health problems, the period of 17 weeks can be extended until the baby is discharged from the hospital and taken care of at home, but it cannot be delayed more than 52 weeks after the baby is born. In any case, the pregnancy allowance can only be paid for 15 weeks at most.
Parenting allowance
A baby's biological parents or adoptive parents can receive a child-raising allowance of up to ten weeks so that they can stay at home to take care of a newborn baby or adopted child. If the child has health problems and needs special care, the childcare allowance can be increased to 15 weeks. This allowance can be collected by one mother or father or shared by both parents. If two people receive parental allowance together, each person will have to accept a two-week waiting period without allowance. If the mother has already passed the two-week waiting period when receiving the pregnancy allowance, there is no need to go through the two-week waiting period when receiving the child-care allowance.
Parenting allowance can be collected as early as the baby's birthday or the day after the adopted child returns to China. The ten-week holiday shall not exceed 52 weeks after their birth or return home.
Sickness allowance
Sickness allowance is to help those employees who are unable to work due to illness, injury or quarantine to solve their financial difficulties. Sickness benefits can only be paid for 15 weeks at most, but you must have worked for 700 hours in the past 52 weeks or since you received employment insurance last time. Sickness allowance, pregnancy allowance and childcare allowance can be received within the same allowance period, but the total amount cannot exceed 30 weeks.