Canadian permanent residents have all the benefits and obligations outlined below. Where You Can live A permanent resident and their accompanying dependants can live, work and study in any one of the ten provinces or three territories within Canada. Education Permanent residents have the right to free education up to the age of 18 in the Canadian public school system. When…

benefits_of PR

Canadian permanent residents have all the benefits and obligations outlined below.

Where You Can live

A permanent resident and their accompanying dependants can live, work and study in any one of the ten provinces or three territories within Canada.

Education

Permanent residents have the right to free education up to the age of 18 in the Canadian public school system.

When it comes to university, tuition fees are dramatically reduced for permanent residents when compared to international student rates. For example, the McGill University tuition fees for 2019-2020 are $2,544 for a Quebec resident, $7,940 for other Canadians and $18,110-$48,747 for international students, depending on the program of study.

Health Care

Permanent residents qualify for provincial universal health care coverage. 

While Medicare is governed by federal legislation, each province and territory administers its own public health plan, and some impose a Medicare waiting period on new residents. Where a waiting period applies the new resident is responsible to pay the entire cost of medical services, including hospital fees, even in an emergency.


The provinces that require a waiting period and those that do not are subject to change.

Currently, there are six provinces that offer “immediate” Medicare coverage for newly landed permanent residents. Moving from West to East, those include Alberta, Manitoba, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland & Labrador. In those jurisdictions, after registering for a health card with the qualifying documentation, the effective date of coverage is made retroactive to the date the new resident arrived to establish residency in the province or territory. 

That leaves four provinces (British Columbia, Saskatchewan, Ontario, and Quebec) and all territories (Yukon, Northwest Territories, and Nunavut) where a Medicare waiting period is imposed on newly arrived residents. In these jurisdictions even, new residents who are Canadian citizens face the waiting period. 

The waiting period can be up to three months from the date one physically arrives in the province or territory with the requisite immigration status (with the permanent resident document).

Tax

You must pay taxes at federal, provincial and municipal levels. Income tax is imposed on the basis of residency rather than citizenship. After becoming a permanent resident an individual would be required to pay Canadian taxes on worldwide income. The assets of a newly arriving immigrant are not taxed under Canadian law.

Federal Tax Rates For 2019

  • 15% on the first $47,630 of taxable income, and
  • 20.5% on the portion of taxable income over 47,630 up to $95,259 and
  • 26% on the portion of taxable income over $95,259 up to $147,667 and
  • 29% on the portion of taxable income over $147,667 up to $210,371 and
  • 33% of taxable income over $210,371.

Provincial Tax Rates For 2019

Alberta10% on the first $131,200

12% on the next $131,200-$157,464

13% on the next $157,464-$209,252

14% on the next $209,252-$314,928

15% on the amount over $314,928
British Columbia5.06% on the first $40,707 of taxable income

7.7% on the next $40,707-$81,416

10.5% on the next $81,416-$93,476

12.29% on the next $93,476-$113,503

14.7% on the next $113,503-$153,900

16.8% on the amount over $153,900
Manitoba10.8% on the first $32,670 of taxable income

12.75% on the next $32,670-$70,610

17.4% on the amount over $70,610
New Brunswick9.68% on the first $42,592 of taxable income

14.82% on the next $42,592-$85,184

16.52% on the next $85,184-$138,491

17.84% on the next $138,491-$157,718

20.3% on the amount over $157,718
Newfoundland and Labrador8.7% on the first $37,579 of taxable income

14.5% on the next $37,579-$75,181

15.8% on the next $75,181-$134,224

17.3% on the next $134,224-$187,913

18.3% on the amount over $187,913
Nova Scotia8.79% on the first $29,590 of taxable income

14.95% on the next $29,590-$59,180

16.67% on the next $59,180-$93,000

17.5% on the next $93,000-$150,000

21% on the amount over $150,000
Northwest Territories5.9% on the first $43,137 of taxable income

8.6% on the next $43,137-$86,277

12.2% on the next $86,277-$140,267

14.05% on the amount over $140,267
Nunavut4% on the first $45,414 of taxable income

7% on the next $45,414-$90,829

9% on the next $90,889-$147,667

11.5% on the amount over $147,667
Ontario5.05% on the first $43,906 of taxable income

9.15% on the next $43,906-$87,813

11.16% on the next $87,813-$150,000

12.16% on the next $150,000-$220,000

13.16 % on the amount over $220,000
Prince Edward Island9.8% on the first $31,984 of taxable income

13.8% on the next $31,985

16.7% on the amount over $63,969
Quebec0% $0-$15,269

15% $15,269.01-$43.790

20% $43,790.01-$87,575

24% $87,575.01-$106,555

25.75% More than $106,555
Saskatchewan11% on the first $45,225 of taxable income,

12.75% on $45,225-$129,214

17.4% on the amount over $129,214
Yukon6.4% on the first $47,630 of taxable income

9% on the next $47,630-$95,259

10.9% on the next $95,259-$147,667

12.8% on the next $147,667-$500,000

15% on the amount over $500,000

Becoming a Canadian Citizen

Under current law, to qualify for citizenship through naturalization, candidates must have three years of qualifying permanent resident status during the preceding five years.

Applicants must also:

  • Meet the Citizenship Language Requirement, if between the ages of 18 and 54;
  • Not be under a removal order;
  • Not have a criminal prohibition;
  • Pay processing fees.

About the author

Rashmi Lakkaraju

Rashmi is the founder and the lead practitioner at Cougar Immigration. She is a regulated and licensed member in good standing of the ICCRC (Immigration Consultants of Canada Regulatory Council). She is also an active member of the Canadian Association of Professional Immigration Consultants (CAPIC).