What happens if you are out of Canada for more than 6 months?

Consequences of Extended Absences from Canada for More Than Six Months

Prolonged stays outside Canada can have significant implications for Canadian residents, particularly regarding their access to essential benefits. One of the most crucial aspects affected is provincial health insurance, which provides coverage for healthcare costs.

Impact on Provincial Health Insurance

After an absence of six months or more, individuals may lose their eligibility for provincial health insurance. This means that they will no longer be covered for medically necessary healthcare services, including doctor visits, hospital stays, and prescription medications. To maintain coverage, individuals must notify their provincial health insurance provider before leaving the country and provide proof of their return date.

Alternative Options for Healthcare Coverage

If provincial health insurance coverage is lost, individuals have several options for obtaining alternative healthcare coverage:

• Private Health Insurance: Purchasing private health insurance can provide coverage for healthcare costs incurred while outside of Canada. However, it is essential to note that premiums can be expensive.
• International Medical Insurance: Some employers offer international medical insurance as part of their employee benefits package. This coverage provides similar benefits to private health insurance but may have different premiums and coverage limits.
• Self-Funding Healthcare Costs: Individuals who choose not to purchase alternative health insurance must self-fund any healthcare expenses incurred during their absence from Canada. These costs can be substantial, especially for major medical procedures.

Other Potential Impacts of Extended Absences

In addition to the impact on health insurance, extended absences from Canada may also affect other aspects, such as:

• Employment: Some employers may have policies regarding the maximum duration of unpaid leave employees can take. Exceeding this limit could result in job loss.
• Taxes: Individuals who maintain residency in Canada but are out of the country for six months or more may still be liable for Canadian taxes on their worldwide income. However, they may be eligible for certain tax deductions and credits based on their time outside the country.
• Government Benefits: Some government benefits, such as Old Age Security and Canada Pension Plan, may be affected by extended absences from Canada. It is essential to contact the relevant government agencies to determine the impact on specific benefits.

Conclusion

Extended stays outside Canada can have significant consequences, particularly regarding provincial health insurance coverage. Individuals planning to be absent for more than six months should carefully consider their options for alternative healthcare coverage and inform their provincial health insurance provider accordingly. It is also essential to be aware of the potential impacts on employment, taxes, and government benefits to avoid any surprises upon their return to Canada.