Paul Deline: How do federal dental and rental payments work in Quebec?

In theory, Quebec’s federal children’s dental benefit has a two-year eligibility period. Or is there?

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New dental and rental payments from Ottawa was one of the topics recently raised by readers.

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Q: What are the new federal dental benefits for children working in Quebec?

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A: It is not as large as other prefectures. Canada Dental Benefit provides families with children under the age of 12 who are not covered by a private dental insurance plan, up to $650 per child per year. However, in Quebec, through the Régie de l’assurance maladie du Québec (RAMQ), basic dental services such as annual examinations, x-rays, fillings and tooth extractions are now available to her children under the age of 10. I’m here. So, in theory, you are eligible for Quebec federal benefits for only two years. Or is there?

RAMQ will not cover the cost of cleaning, fluoride application or orthodontic treatment. The federal government’s website cryptically states that “children already covered by another government dental program may also be eligible, provided all dental care is not paid for in that program.” It is stated. As such, Canadian dental benefits may be available depending on the services provided.

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The payment is $650 per child for families with a household income of approximately $70,000 or less, $390 for families with incomes between $70,000 and $80,000, and $260 for families with incomes between $80,000 and $90,000. Applicant certifies to use benefits for out-of-pocket dental care costs incurred by her child after October 1 of the current year, provides employer and dentist information, and keeps receipts is needed. False allegations may result in fines. She must apply for benefits through CRA MyAccount, but the application process won’t start until December.

Q: I live at home, but when I couldn’t do that and had to move to a nursing home, my daughter and her husband moved in, which became their home. All my property will be bequeathed to her. Will she be taxed when she moves into her house?If so, it will be difficult for her.

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A: Before that, you can rest assured. The capital gains tax principal residence exemption that applies to your property is also applicable if the home is occupied by one of your children (you can also claim the exemption for another property you own). If you don’t). This means that you won’t be taxed if it increases in value while you own it. If you want to transfer her property to her when she moves in, it’s also a tax-free transaction. It’s a matter of how comfortable you are with the idea of ​​giving up ownership at that point in your life.

Q: Any news about the aid to renters the federal government was talking about earlier this year?

A: If approved by Congress, additional federal aid to renters comes in the form of a $500 Canadian Housing Benefit check with many strings attached. Applicants cannot have net income exceeding $20,000 (individual) or $35,000 (family). They must pay at least 30% of their income to the shelter (for example, low-income people in subsidized housing in Montreal are ineligible because rent is set at 25% of their income). To receive it, you must apply to the Canada Revenue Agency and agree to be able to verify the information provided by the CRA (age, income, rent paid, payment destination, etc.). More information about eligibility and how to apply will be released in the coming weeks, according to the CRA.

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By the way, Quebec has its own housing allowance program and the income standards are almost the same. People over the age of 50 or low-income households with at least one dependent of her, including homeowners. You must also apply annually by completing Form LEX-165-V (Shelter Allowance Application). The Quebec solidarity tax credit also has a housing component, but to get it, he must earn less than $54,568 if single (and slightly higher for couples and dependents).

The Montreal Gazette invites readers’ questions on tax, investment, and personal finance issues. If you have any questions you would like addressed, please email Paul Deean at

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Paul Deline: How do federal dental and rental payments work in Quebec?

Source link Paul Deline: How do federal dental and rental payments work in Quebec?

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