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PDF Editor FAQ

As a person who lives with universal health care, are the taxes and inconveniences worth it?

Hahahaha.You’ve been fed a line of bullshit.First, there is no “inconvenience”. I can go to literally any clinic, doctor, or hospital in the country and all I need to do is to show them my health card:Second, about those taxes: healthcare expenditures are mostly covered by various forms of income taxes, which means that you pay based on what you earn. If you’re a struggling new grad, you pay very little. If you are a rich old fart, you pay more. In both cases, overwhelmingly, people think that it is “worth it”. (And by the way? Just as an aside? In Canada, our taxes are actually lower than your taxes + health insurance + copays.)Here’s a great short video (by an American doctor) which explains the Canadian healthcare system really well:This article is well worth reading: https://www.washingtonpost.com/outlook/2020/08/06/health-insurance-canada-lie/?arc404=trueHere’s the text:In my prior life as an insurance executive, it was my job to deceive Americans about their health care. I misled people to protect profits. In fact, one of my major objectives, as a corporate propagandist, was to do my part to “enhance shareholder value.” That work contributed directly to a climate in which fewer people are insured, which has shaped our nation’s struggle against the coronavirus, a condition that we can fight only if everyone is willing and able to get medical treatment. Had spokesmen like me not been paid to obscure important truths about the differences between the U.S. and Canadian health-care systems, tens of thousands of Americans who have died during the pandemic might still be alive.In 2007, I was working as vice president of corporate communications for Cigna. That summer, Michael Moore was preparing to release his latest documentary, “Sicko,” contrasting American health care with that in other rich countries. (Naturally, we looked terrible.) I spent months meeting secretly with my counterparts at other big insurers to plot our assault on the film, which contained many anecdotes about patients who had been denied coverage for important treatments. One example was 3-year-old Annette Noe. When her parents asked Cigna to pay for two cochlear implants that would allow her to hear, we agreed to cover only one.Clearly my colleagues and I would need a robust defense. On a task force for the industry’s biggest trade association, America’s Health Insurance Plans (AHIP), we talked about how we might make health-care systems in Canada, France, Britain and even Cuba look just as bad as ours. We enlisted APCO Worldwide, a giant PR firm. Agents there worked with AHIP to put together a binder of laminated talking points for company flacks like me to use in news releases and statements to reporters.Here’s an example from one AHIP brief in the binder: “A May 2004 poll found that 87% of Canada’s business leaders would support seeking health care outside the government system if they had a pressing medical concern.” The source was a 2004 book by Sally Pipes, president of the industry-supported Pacific Research Institute, titled “Miracle Cure: How to Solve America’s Health Care Crisis and Why Canada Isn’t the Answer.” Another bullet point, from the same book, quoted the CEO of the Canadian Association of Radiologists as saying that “the radiology equipment in Canada is so bad that ‘without immediate action radiologists will no longer be able to guarantee the reliability and quality of examinations.’ ”Much of this runs against the experience of many Americans, especially the millions who take advantage of low pharmaceutical prices in Canada to meet their prescription needs. But there were more specific reasons to be skeptical of those claims. We didn’t know, for example, who conducted that 2004 survey or anything about the sample size or methodology — or even what criteria were used to determine who qualified as a “business leader.” We didn’t know if the assertion about imaging equipment was based on reliable data or was an opinion. You could easily turn up comparable complaints about outdated equipment at U.S. hospitals.(Contacted by The Washington Post, an AHIP spokesman said this perspective was “from the pre-ACA past. We are future focused by building on what works and fixing what doesn’t.” He added that the organization “believes everyone deserves affordable, high-quality coverage and care — regardless of health status, income, or pre-existing conditions.” An APCO Worldwide spokesperson told The Post that the company “has been involved in supporting our clients with the evolution of the health care system. We are proud of our work.” Cigna did not respond to requests for comment.)Nevertheless, I spent much of that year as an industry spokesman, my last after 20 years in the business, spreading AHIP’s “information” to journalists and lawmakers to create the impression that our health-care system was far superior to Canada’s, which we wanted people to believe was on the verge of collapse. The campaign worked. Stories began to appear in the press that cast the Canadian system in a negative light. And when Democrats began writing what would become the Affordable Care Act in early 2009, they gave no serious consideration to a publicly financed system like Canada’s. We succeeded so wildly at defining that idea as radical that Sen. Max Baucus (D-Mont.), then chair of the Senate Finance Committee, had single-payer supporters ejected from a hearing.Today, the respective responses of Canada and the United States to the coronavirus pandemic prove just how false the ideas I helped spread were. There are more than three times as many coronavirus infections per capita in the United States, and the mortality rate is twice the rate in Canada. And although we now test more people per capita, our northern neighbor had much earlier successes with testing, which helped make a difference throughout the pandemic.The most effective myth we perpetuated — the industry trots it out whenever major reform is proposed — is that Canadians and people in other single-payer countries have to endure long waits for needed care. Just last year, in a statement submitted to a congressional committee for a hearing on the Medicare for All Act of 2019, AHIP maintained that “patients would pay more to wait longer for worse care” under a single-payer system.While it’s true that Canadians sometimes have to wait weeks or months for elective procedures (knee replacements are often cited), the truth is that they do not have to wait at all for the vast majority of medical services. And, contrary to another myth I used to peddle — that Canadian doctors are flocking to the United States — there are more doctors per 1,000 people in Canada than here. Canadians see their doctors an average of 6.8 times a year, compared with just four times a year in this country.Most important, no one in Canada is turned away from doctors because of a lack of funds, and Canadians can get tested and treated for the coronavirus without fear of receiving a budget-busting medical bill. That undoubtedly is one of the reasons Canada’s covid-19 death rate is so much lower than ours. In America, exorbitant bills are a defining feature of our health-care system. Despite the assurances from President Trump and members of Congress that covid-19 patients will not be charged for testing or treatment, they are on the hook for big bills, according to numerous reports.That is not the case in Canada, where there are no co-pays, deductibles or coinsurance for covered benefits. Care is free at the point of service. And those laid off in Canada don’t face the worry of losing their health insurance. In the United States, by contrast, more than 40 million have lost their jobs during this pandemic, and millions of them — along with their families — also lost their coverage.Then there’s quality of care. By numerous measures, it is better in Canada. Some examples: Canada has far lower rates than the United States of hospitalizations from preventable causes like diabetes (almost twice as common here) and hypertension (more than eight times as common). And even though Canada spends less than half what we do per capita on health care, life expectancy there is 82 years, compared with 78.6 years in the United States.When the pandemic reached North America, Canadian hospitals, which operate under annual global budgets — fixed payments typically allocated at the provincial and regional levels to cover operating expenses — were better prepared for the influx of patients than many U.S. hospitals. And Canada ramped up production of personal protective equipment much more quickly than we did.Of the many regrets I have about what I once did for a living, one of the biggest is slandering Canada’s health-care system. If the United States had undertaken a different kind of reform in 2009 (or anytime since), one that didn’t rely on private insurance companies that have every incentive to limit what they pay for, we’d be a healthier country today. Living without insurance dramatically increases your chances of dying unnecessarily. Over the past 13 years, tens of thousands of Americans have probably died prematurely because, unlike our neighbors to the north, they either had no coverage or were so inadequately insured that they couldn’t afford the care they needed. I live with that horror, and my role in it, every day.

As a Canadian, what are your thoughts about having Harry and Meghan living in your country? Generally, do people care? Is it understandable why they felt they needed to?

Meghan has applied for citizenship of the U.K., after her marriage and alliance with the Royal Family. Together with her lack of required days in Canada, this nullifies any Permanent Resident status she may have tried to claim, or, may have had. How many countries can one be an applicant to, at the same time? The Duchess is, for sure, only a citizen of the USA.This means that wherever she is in the world, her income is taxed, and payable to the USA. Even if the funds come from the purse of Prince Charles, or the security benefits, paid for by Canadians.Even if she still had Canadian PR status, it would not be extended towards her husband, automatically. Spouses need to apply on their own merit, if they wish the privileges of employment, a driver’s license, and future consideration of citizenship. This is the case in most countries around the world.By all measures, it appears that they don’t really want to be citizens of Canada. It is a temporary stopover on the quest to things bigger and better. They are using the privileges of “Commonwealth”, for their own benefit, without any regard towards the Canadians, who have very unwittingly partially paid for their security, for some time.The Duke and Duchess rent an very extravagant home, in a secluded and exquisite geographical location, at no expense to them, personally. Prince Charles foots their cost of living. If Daddy cares to forever foot the bill, fine. But Meghan, in particular, makes a big show of being “part of the community”. No one else, in her neighbourhood, makes a statement of being “part of the community”. Once again, Canada is being used. They make statements of being financially independent. Fine. Be more financially frugal.Do Canadians resent Prince Harry and his wife living in Canada for a while? Not really. They can quietly hang out for a bit. Do Canadians mind paying for their security? Yes. Yes. Oh yes. There are many Canadians who desperately need those funds. Do Canadians mind being used as a pawn in a bigger game? Absolutely. And that, will take a long time to forgive.With humble and gracious courtesy - so sorry, Prince Harry.

What is the step-by-step procedure to apply for Canada PR?

After having lived through the horror of my own immigration process, and seeing countless other people making the same mistake, I thought it’s better to lay out the most effective, easy to understand and follow, approach to Canadian immigration.Ended up making a youtube video on this. ;)Some basic info on Canadian ImmigrationFor all immigration purposes, the Canadian Govt. has developed a really good website that you’ll need at every step of the application here on - Immigrate to Canada. Thanks to this website, you don’t need an attorney or consultant.Canada offers multiple channels for immigration, that you can make use of:Express Entry: Most popular and fastest immigration route, run by the Federal govt.. Meant for skilled people. Manages three economic immigration programs:Federal Skilled Worker Program (FSW) - Skilled workers with foreign experience. All professionals in sales, marketing, IT, finance, legal, medicine, etc. fall under this category.Federal Skilled Trades Program (FST) - People qualified in a skilled trade with foreign experience. Chefs, bakers, equipment operators, etc. fall under this category.Canadian Experience Class (CEC) - Skilled workers who have Canadian work experience.Provincial Nominee: Second most popular channel. Meant for people who do not have sufficient score to clear Express Entry. Run by each individual province. Program opens on ad-hoc basis. If you get nominated, then you must spend 2 years in the province, before you can move to any other province.Family Sponsorship: Existing permanent residents can sponsor their relatives, including their spouse, partner, children, parents, grandparents, and others to immigrateQuebec-selected skilled worker: Immigration program run separately by the province of Quebec. Meant for people who want to live in Quebec specifically.Start-up Visa: Have a start-up idea and can bring in local jobs? Canada will give you a PR, if your idea is accepted by a designated organization and implemented.Self-Employed: Can contribute culturally or in athletics to Canada.Atlantic Immigration Pilot: Immigrate by graduating from a school or working in New Brunswick, Prince Edward Island, Nova Scotia, or Newfoundland and Labrador. This program is meant to boost the economies of Atlantic provinces that usually don’t see much immigration influx.RefugeesMajority of the applicants apply via Express Entry, Provincial Nomination or Family Sponsorship. For this answer, I’ll focus exclusively on Federal Skilled Worker Program.Canadian immigration is entirely points based. Every applicant is awarded fixed points for their education, age, language abilities, marital status, spouse’s qualifications, etc. The system that awards these points is called the Comprehensive Ranking System (CRS).Every month, the Canadian Immigration Agency - IRCC, announces a cut-off score. All applicants with CRS score above this cut-off receive an invitation to apply for permanent residence. The ones that don’t qualify remain in the pool.STEP-BY-STEP PROCEDURE TO APPLY FOR CANADIAN PRSTEP 1: Check your eligibility (Cost: Free, Time: 10 mins)Use this quick online tool from the Canadian Govt. to check if you are eligible to apply. Do you want to come to Canada, or extend your stay? Scoring Criteria >> Eligibility to apply as a Federal Skilled Worker (Express Entry).STEP 2: Gauge your chances early (Cost: Free, Time: 15 mins - 2 hours)If you are eligible to apply, then I strongly recommend you to check your CRS score with your info and hypothetical scores for IELTS >> Comprehensive Ranking System (CRS) tool: skilled immigrants (Express Entry). At this stage, there are some important factors that will adversely affect your application:IELTS score: You need to score at least 8–7–7–7 (Listening, reading, writing, speaking respectively), to sufficient points to compete in the pool. Anything less than this, will cost you tonnes of points.Education: If you have a Bachelor/Masters, do some background research to check if World Education Services (WES), the authority that will assess your educational qualifications, will consider your university degree equivalent to a Canadian Bachelors/Masters. Reason why I say this is because if you have a Masters from a tier 3 college, and if WES does not find it equivalent to a Canadian degree, then you will end up being recognized as an applicant with only a Bachelors degree, losing crucial points in the process. Doing this check at this stage will save you a lot of money and trouble.Age: Every year beyond the age of 30, applicants will lose 5 points. So if you are planning to apply at a later date, then be sure to keep this mind.Work Experience: While claiming for work experience, note that Canada assumes that you have always worked in the same job classification, as denoted by your NOC code. If you were a Marketer for 3 years, and an Interior Designer for 2 years, then you cannot claim a combined work experience of 5 years. Choose whichever experience you want to claim, and stick with that corresponding NOC throughout your application.Spouse: It is not mandatory to have your spouse take the IELTS and verify their educational credentials. But if your CRS calculator shows you with points in the range of 400–430, then consider entering hypothetical IELTS scores for your spouse, and also entering their educational credentials.Try multiple permutations and combinations of the above factors in the CRS tool before you even begin your PR journey. Now, go through the CRS draws announced in the past few months with this link >> Express Entry rounds of invitations. This will help you get an idea about where you currently stand.For e.g., for this entire year, the draws have always been around 440–445. So look for a hypothetical CRS configuration that will help you score more than this cut-off.Everyone with a CRS score of 400+ should proceed to the next step. Others who aren’t scoring as much, should do a little bit more research and consider alternative immigration methods.Protip: I suggest taking a free mock IELTS test to actually check how much you score. Your entire application may rest on the laurels of your language abilities, so I would give particular attention to this.Another ProTip: If your spouse is younger than you, or has higher educational credentials, then please let them be the primary applicant instead.STEP 3: Educational Credentials Assessment [ECA] (Cost: INR 13,400 per person, Time: 30–45 days)Follow this detailed step by step process to complete your ECA through WES >>> WES Canada ECA Process, Processing Time, Validity, Documents - AM22 Tech This assessment will take you approximately one month, so get started at the earliest. You don’t have to evaluate your 10th or 12th results.Edit 2019: From December 1, 2018, the applicants’ college or university has to directly courier the attested documents to WES. Please do not courier yourself. It has to come from your college/universitySTEP 4: Take the “IELTS General Training” test (Cost: INR 13,500 pp, Time: depends on test date availability)While you initiate the WES ECA process, also start looking for available IELTS test dates in your city. Considering the heavy demand for IELTS for both immigration and education, test dates are at least 20 days away in many cities around the world. Having said that, I strongly suggest that you take a test date that’s at least 30 days away to give you ample time to prepare for the test.ProTip: Some tips to score well on your IELTS examRead more on registering for the IELTS test, cost and time involved.STEP 5: Start saving money in your bank account as Proof of FundsAs part of the PR process, Canadian immigration rules require you to have sufficient funds to manage your living expenses when you first arrive. Through the PR process, applicants need to prove that they have the necessary funds in their bank account. For more details on the amount, type of funds, etc >> Proof of funds - Skilled immigrants (Express Entry)In case you don’t have the sufficient funds, consider saving the required funds in your bank account at the same time you decide to apply for PR. Its best to show a gradual accumulation of funds in your account, rather than sudden, bulk transfers.ProTip: If you have a salary account, maintain the account balance with every monthly salary credit. Use your spouse’s income for other expenses.STEP 6: Create your Express Entry profile (Cost: Free, Time: 1 hour)After you have received your ECA and IELTS reports, go ahead and create an express entry profile. Here is a step by step process for creating your express entry profile online.From here on, keep a close eye on the draws announced by IRCC. If your CRS score clears the cut-off, then you will receive an Invitation to Apply within 24–48 hours, via email.In case the cut-off appears to be far beyond your reach, and if you feel there is nothing more you can do to add more points to your profile, then consider applying for Provincial Nomination Programs instead. Here is everything you need to know about PNPs - process, cost, timelines.STEP 7: Post-ITA Documentation (Cost: INR 10,000 pp, Time: 60 days)Congratulations on receiving your ITA! You have now successfully completed the major hurdle of your immigration journey. All that is left now is to provide the documentation expected of you within the time limit, and if everything is in order, you’ll receive your PR confirmation.The documents you will need to prepare at this stage are:Medical Exam at a IRCC authorized center. (INR 8500 per person in metros)Police Clearance Certificate from Passport Seva Kendra (INR 500 per person) >> (How to get a PCC)If you have lived in a foreign country for more than 5 months cumulatively, then you will have to procure a police clearance from those authorities. This can take a while, so get started on this first. (Note: IRCC says 6 months, but I have seen people with 5 months of stay also being asked for PCC)Reference letter from employer. (Here’s how to get a reference from your employer if they refuse to give you one)Bank Statement & Digital PhotosSTEP 8: Application Submission and PPR (Cost: INR 55,000 pp, Time: None)After having prepared the documents, you need to submit these in the system and make the final payments.INR 26,250 - Application Processing fee: CAD 550 per personINR 23,400 - Right of Permanent Residence Fee (RPRF): CAD 490 per person ~ (Note: this can also be paid when you are landing in Canada)INR 7160 - Dependent Child: CAD 150 per childINR 4500 - per person biometrics fee or INR 9200 for entire familyIf you have successfully paid your fees and submitted the application, you’ll receive an Acknowledgment of Receipt (AoR) via email and within the application inbox.Shortly after your application submission, CIC will contact you for biometrics and give you 30 days to submit your biometrics. Only after you have done this, they will start processing the application. Everyone between 14–79 years of age, will be required to submit their biometrics. You’ll receive all instructions in the mail.From here on, all you need to do is wait for an email from IRCC requesting your passport. Among the immigration community, this is called PPR - passport request. At this stage, you can be 99% sure that your PR has been confirmed. Once you receive this email, you visit the nearest VFS Global center, submit your passport and photos, and await for the final visa stamping.ProTip: Paying your RPRF will reduce the processing time by 4–7 days.STEP 9: Pre-arrival and landingAlthough you have received the PR confirmation in Step 8, the process is not yet officially concluded. One year from the date of your medicals, your immigration visa will expire. Within this time, you and your dependents must enter Canada by Flight or car at the border crossing, and complete the formalities. >> Things to do after landing in CanadaProTip: Signup with settlement agencies like SOPA or PlanningForCanada that will help you with orientation and other useful information. Also plan to land 3 months after receiving your PR.This concludes the step-by-step process for obtaining a Canadian PR. All the best, folks!P.S. Veteran immigrants, please feel free to correct or enrich this answer based on your experience.>> Follow our story on YouTube | Blog | Facebook | Instagram>> Contact us on Facebook Group

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